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104 Pine Lodge Dr, Ruidoso, NM, 88345

1beds
1baths
460sqft
$159,500
$347price/sqft
$1,114/moest. monthly cost
$44,560/yrincome needed

About This Home

COZY CABIN WITH GREAT VIEWS! Escape to your own retreat. This one-level cabin, nestled among the trees, offers breathtaking wooded valley views. Relax on the deck as you take in the nature, or cozy up inside by the freestanding wood stove. Equipped with a gas wall heater, this cabin is ready for year-round comfort. Also wildlife to enjoy.

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

5/10
6/10
Ruidoso Middle SchoolGrades 6-82.2 mi
4/10
Ruidoso High SchoolGrades 9-122.3 mi

Construction

Condition

  • Property condition: See Remarks
  • Year built: 1950

Materials

  • Roof: Metal,Pitched
  • Construction materials: Frame,Other

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Other
  • Flooring: Carpet,Linoleum
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Fireplace(s),Natural Gas,Wall Furnace
  • Cooling features: Other

Interior Area

  • Total interior livable area: 460 sqft

Property

Accessibility

  • Accessibility features: None

Details

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

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck,See Remarks
  • Exterior features: None
  • Fencing: None
  • Has view: Yes
  • View description: Valley,Trees/Woods
  • Waterfront features: None

Lot

  • Lot size: 5,227 sqft
  • Features: Interior Lot,Views,Wooded

Parking

  • Parking features: Other

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 $806$9,672
Home Insurance *$89$1,068
Property Taxes $71$852
Electricity $148$1,780
Total$1,114$13,368
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$38,194/yr
40% on housing$33,420/yr
45% on housing$29,706/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

$347This listing

vs Other Active Listings

Avg $/sqft

ZIP 88345$166
Lincoln County$203

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
2026-03-27Price change$169,500
2026-02-25Listed for sale$179,500

For Sale by Agent

AgentLoverin Real Estate Team
BrokerageLoverin Real Estate

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