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102 Eagle Ridge Rd, Alto, NM, 88312

3beds
2baths
1,720sqft
$540,000
$314price/sqft
$3,838/moest. monthly cost
$153,520/yrincome needed

About This Home

Full golf membership - Alto Lakes G&CC. Split plan 3 bed/2 bath with double attached garage & golf cart! Large front yard, covered front deck and deck on back. Stucco trimmed with stone. Pass through fireplace - living to kitchen. Primary, 2nd bedroom and kitchen have door to back deck. Dual sink, toilet room, garden tub and separate large shower in primary. Storage under home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

5/10
6/10
Ruidoso Middle SchoolGrades 6-83.7 mi
4/10
Ruidoso High SchoolGrades 9-123.7 mi

Construction

Condition

  • Property condition: See Remarks
  • Year built: 2002

Materials

  • Roof: Pitched,Shingle
  • Construction materials: Stone Veneer,Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Cooktop,Electric Oven,Gas Water Heater,Refrigerator,Washer
  • Laundry features: Washer Hookup,Electric Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Eat-in Kitchen,Open Floorplan,Main Level Primary
  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,720 sqft

Property

Details

  • Parcel number: 4074060134098000000
  • Zoning: R1
  • Other equipment: Satellite Dish
  • Horse amenities: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: Association
  • Patio & porch: Covered,Deck,Front Porch
  • Exterior features: Rain Gutters
  • Fencing: None
  • Has view: Yes
  • View description: Trees/Woods
  • Waterfront features: None

Lot

  • Lot size: 0.27 Acres
  • Features: Gentle Sloping,Sloped Up,Wooded

Parking

  • Total spaces: 4
  • Parking features: Attached,Driveway,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 4
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 2

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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Wildfire
    WildfireVery High
  • Winter Weather
    Winter WeatherVery High
  • Ice Storm
    Ice StormRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Wildfire
Winter Weather
Ice Storm
Hail
Strong Wind

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 $2,730$32,760
Home Insurance *$190$2,280
Property Taxes $770$9,240
Electricity $148$1,780
Total$3,838$46,056
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$131,588/yr
40% on housing$115,140/yr
45% on housing$102,346/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

$314This listing

vs Other Active Listings

Avg $/sqft

ZIP 88312$255
Lincoln County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 88312$282
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
2026-03-11Price change$565,000
2025-10-03Listed for sale$575,000

For Sale by Agent

AgentTamara Bailey
BrokerageCentury 21 Aspen Real Estate

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