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819 Carrizo Canyon Rd, Ruidoso, NM, 88345

4beds
3baths
4,056sqft
$299,000
$74price/sqft
$2,101/moest. monthly cost
$84,040/yrincome needed

About This Home

Mountain living with room to spread out! This 2-story, 4BR/3BA Ruidoso home offers flexible space in the cool pines. Two bedrooms have en suite baths, great for multi-gen living. Abundant storage, plus a basement kennel area for pet care or bonus space.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
Ruidoso Middle SchoolGrades 6-83.0 mi
4/10
Ruidoso High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1984

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 2

Cooling

  • Cooling features: Window Unit(s)

Features

  • Basement,Walk-In Closet(s)
  • Finished area above ground: 3,440

Interior Area

  • Total structure area: 4,056
  • Total interior livable area: 4,056 sqft

Property

Details

  • Parcel number: 4072066177362
  • Exclusions: Refrigerator

Features

  • Fencing: Chain Link Fence
  • Topography of land: Chain Link Fence
  • Residential vegetation: Native/Natural

Lot

  • Lot size: 0.37 Acres

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Wildfire
    WildfireVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Lightning
Wildfire
Winter Weather
Inland Flooding
Ice Storm

FEMA Declared Disasters in Lincoln County and New Mexico

Fire
Flood
Mud Landslide
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,511$18,132
Home Insurance *$168$2,016
Property Taxes $134$1,608
Electricity $288$3,460
Total$2,101$25,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$72,034/yr
40% on housing$63,030/yr
45% on housing$56,026/yr

New Mexico FAIR Plan Programs

New Mexico Property Insurance Program

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 7,506Commercial: 306
Total Premiums$5.96M
Total Exposure$950.67M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 5.7%
5.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$74This listing

vs Other Active Listings

Avg $/sqft

ZIP 88345$166
Lincoln County$203

vs Homes Sold Last Month

Median $/sqft

ZIP 88345$266
Lincoln County$275

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-06Price change$279,900
2026-07-13Listed for sale$299,000
2021-04-19Sold--
2020-11-10Price change$259,900
2020-11-09Price change$259,500
2020-10-09Price change$269,500
2020-09-10Listed for sale$269,900

For Sale by Agent

AgentAllison Smith
BrokerageExp Realty, LLC

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