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113 Coker Ln, Ruidoso, NM, 88345

4beds
3baths
2,752sqft
$799,000
$290price/sqft
$5,042/moest. monthly cost
$201,680/yrincome needed

About This Home

Built in 2024 this beautiful home in White Mountain Meadows features 4 bedrooms, 3 bathrooms, and a thoughtfully designed single-level floor plan with soaring ceilings and quality finishes throughout. This spacious home offers two primary suites, 8-foot solid wood doors, and an open-concept living area ideal for entertaining. The spacious kitchen includes quartz countertops, stainless steel appliances, and ample workspace. Enjoy the covered back patio, striking entryway with iron glass doors, oversized 2-car garage with extra storage and the peace of mind of a Generac backup generator.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

5/10
6/10
Ruidoso Middle SchoolGrades 6-82.0 mi
4/10
Ruidoso High SchoolGrades 9-122.1 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2024

Materials

  • Roof: Composition,Pitched,Shingle
  • Construction materials: Masonite

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Disposal,Gas Oven,Gas Range,Microwave,Refrigerator,Water Softener Owned,Stainless Steel Appliance(s),Tankless Water Heater,Washer
  • Laundry features: Washer Hookup,Electric Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Breakfast Bar,Ceiling Fan(s),Open Floorplan,Recessed Lighting,Main Level Primary
  • Flooring: Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Forced Air,Fireplace(s),Natural Gas
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total interior livable area: 2,752 sqft

Property

Details

  • Parcel number: 4073061312409000000
  • Zoning: R1
  • Other equipment: None
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch,Covered
  • Exterior features: Other
  • Fencing: None
  • Has view: Yes
  • View description: Mountain(s),Trees/Woods
  • Waterfront features: None

Lot

  • Lot size: 0.42 Acres
  • Features: Interior Lot,Level,Wooded

Parking

  • Total spaces: 2
  • Parking features: Concrete,Driveway,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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 $4,040$48,480
Home Insurance *$448$5,376
Property Taxes $359$4,308
Electricity $195$2,347
Total$5,042$60,504
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$172,868/yr
40% on housing$151,260/yr
45% on housing$134,453/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

$290This listing

vs Other Active Listings

Avg $/sqft

ZIP 88345$162
Lincoln County$201

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)

Price History

DateEventPrice
2026-05-11Listing removed$4,400
2026-05-11Price change$799,000
2026-01-16Listed for rent$4,400
2021-08-19Price change$55,000
2021-08-14Listed for sale$52,000
2021-07-31Listing removed--
2021-05-03Listed for sale$52,000
2021-03-30Listing removed--
2020-12-30Listed for sale$52,000
2020-11-25Listing removed$52,000
2020-06-11Listed for sale$52,000

New Construction

AgentEric Vaughn
BrokerageCentury 21 Aspen Real Estate

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