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115 Whispering Pines Way, Alto, NM, 88312

4beds
3baths
1,696sqft
$264,900
$156price/sqft
$1,962/moest. monthly cost
$78,480/yrincome needed

About This Home

Welcome to peaceful mountain living in the pines! This condo features four bedrooms, three bathrooms with an open concept living room, updated kitchen and dining room! New flooring and paint throughout as well as new appliances. The main room is illuminated by natural light and wooded views! Bedrooms one and two both have an ensuite bathroom and have french doors that lead to the private back deck. The bottom two rooms and bathroom can be utilized as separate living quarters each with their own access. Relax on the front deck under the trees while viewing wildlife! This versatile mountain condo is the perfect place to call home!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
3
BikeSomewhat Bikeable

Schools

7/10
Capitan Elementary SchoolGrades PK-510.8 mi
6/10
Capitan Middle SchoolGrades 6-810.9 mi
9/10
Capitan High SchoolGrades 9-1210.9 mi

Construction

Condition

  • Property condition: Updated/Remodeled,See Remarks
  • Year built: 1981

Materials

  • Roof: Metal
  • Construction materials: Stucco

Type & Style

  • Home type: Condo
  • Architectural style: Mountain
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Range,Disposal,Microwave,Refrigerator,Water Heater,Washer
  • Laundry features: Washer Hookup,Electric Dryer Hookup

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Open Floorplan
  • Flooring: Carpet,Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,696 sqft

Property

Details

  • Parcel number: 4071059495414000000
  • Zoning: R3
  • Other equipment: None
  • Horse amenities: None

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Association
  • Patio & porch: Rear Porch,Covered,Deck,Front Porch,Balcony
  • Exterior features: Balcony,Rain Gutters
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Features: Wooded

Parking

  • Parking features: Common,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

  • Wildfire
    WildfireVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Wildfire
Lightning
Winter Weather
Inland Flooding

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 $1,339$16,068
Home Insurance *$93$1,116
Property Taxes $382$4,584
Electricity $148$1,780
Total$1,962$23,544
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,268/yr
40% on housing$58,860/yr
45% on housing$52,320/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

$156This listing

vs Other Active Listings

Avg $/sqft

ZIP 88312$260
Lincoln County$203

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
2026-07-31Price change$264,900
2026-05-03Price change$269,000
2026-03-12Price change$279,000
2025-07-21Price change$285,000
2025-07-03Listed for sale$295,000
2023-05-11Sold--
2023-01-25Price change$269,000
2022-10-11Price change$279,000
2022-09-07Listed for sale$295,000

For Sale by Agent

AgentBrant Hamilton
BrokerageFathom Realty NM

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