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214 Metz Dr APT 243, Ruidoso, NM, 88345

2beds
3baths
1,240sqft
$335,000
$270price/sqft
$2,179/moest. monthly cost
$87,160/yrincome needed

About This Home

This beautifully updated & fully furnished 2-bedroom, 2.5-bathroom condo with a lake view, prime location and close proximity to enjoy incredible amenities covered by the HOA, including access to the 3-par, 9-hole golf course, a trout-fishing lake, pickleball and tennis courts, and a heated outdoor swimming pool. Featuring an updated kitchen with butcher block counter tops, fresh flooring throughout the downstairs and bathrooms. The gas log fireplace creates a cozy, warm space on chilly evenings and winter months. The spacious upstairs bedrooms each have their own ensuite bath, providing comfort and privacy. Whether you're seeking a vacation retreat or a full-time residence, this condo offers a blend of luxury, convenience, and recreational fun.

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

5/10
6/10
Ruidoso Middle SchoolGrades 6-81.2 mi
4/10
Ruidoso High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1981

Materials

  • Construction materials: Fiber Cement,Frame

Type & Style

  • Home type: Condo
  • Architectural style: Chalet/Alpine
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Range,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Recessed Lighting
  • Flooring: Carpet,Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,240 sqft

Property

Details

  • Zoning: R1
  • Other equipment: None
  • Horse amenities: None

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Association
  • Patio & porch: Rear Porch,Deck
  • Fencing: None
  • Waterfront features: See Remarks

Lot

  • Features: Near Golf Course,Level,See Remarks

Parking

  • Parking features: Asphalt,No Garage,Parking Lot

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 $1,693$20,316
Home Insurance *$188$2,256
Property Taxes $150$1,800
Electricity $148$1,780
Total$2,179$26,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,708/yr
40% on housing$65,370/yr
45% on housing$58,106/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

$270This listing

vs Other Active Listings

Avg $/sqft

ZIP 88345$164
Lincoln County$202

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
2026-04-18Price change$335,000
2025-05-22Listed for sale$345,000

For Sale by Agent

AgentKaitlin Brophy
BrokerageBetter Homes & Gardens Real Estate - Steinborn & Associates

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