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149 Mira Monte Rd, Alto, NM, 88312

4beds
5baths
3,571sqft
$849,500
$238price/sqft
$6,058/moest. monthly cost
$242,320/yrincome needed

About This Home

Large Executive home with four large bedrooms each with their own baths plus a powder room off of the living room. Open floor plan with game room and second living area. Updated kitchen with granite counter tops and large dining area. Fully furnished with three golf courses with this membership. New fitness and pool area, pickleball, tennis, plus three restaurants too!

Getting Around

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

Schools

5/10
6/10
Ruidoso Middle SchoolGrades 6-83.8 mi
4/10
Ruidoso High SchoolGrades 9-123.8 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1999

Materials

  • Roof: Pitched,Shingle
  • Construction materials: Brick,Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Double Oven,Dryer,Dishwasher,Exhaust Fan,Disposal,Gas Water Heater,Microwave,Water Purifier Owned,Refrigerator,Water Heater,Washer

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 4
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),High Speed Internet,Primary Downstairs,Open Floorplan,Pantry,Loft,Main Level Primary
  • Flooring: Carpet,Laminate
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Gas Starter,Raised Hearth
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 3,571 sqft

Property

Details

  • Parcel number: 4074060349093000000
  • Zoning: R1
  • Other equipment: None
  • Horse amenities: None

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Association
  • Patio & porch: Covered,Front Porch,Patio
  • Fencing: None
  • Has view: Yes
  • View description: Valley
  • Waterfront features: None

Lot

  • Lot size: 0.45 Acres
  • Features: Interior Lot,Sloped Up

Parking

  • Parking features: Driveway,Garage,Garage Door Opener,Paved
  • Has garage: Yes
  • 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

  • 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 $4,295$51,540
Home Insurance *$299$3,588
Property Taxes $1,211$14,532
Electricity $253$3,046
Total$6,058$72,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$207,702/yr
40% on housing$181,740/yr
45% on housing$161,546/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

$238This listing

vs Other Active Listings

Avg $/sqft

ZIP 88312$256
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
2026-04-08Price change$849,500
2025-12-04Listed for sale$899,500

For Sale by Agent

AgentR.B. Holmes
BrokerageRio Ruidoso Company

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