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3463 White Horse Dr SE, Rio Rancho, NM, 87124

5beds
3baths
3,178sqft
$589,000
$185price/sqft
$3,646/moest. monthly cost
$145,840/yrincome needed

About This Home

Nestled in the highly sought-after Stonehenge Estates, this beautifully customized Charter home blends timeless design with exceptional quality and comfort. Offering five bedrooms, spacious living areas, and a thoughtfully redesigned kitchen, the home was built for both everyday living and effortless entertaining. Step outside and discover what truly sets this property apart, a backyard that feels more like a private garden than a typical subdivision lot. Winding walkways, shade trees, vibrant gardens, and inviting patios create an extraordinary outdoor setting that's perfect for morning coffee, evening gatherings, or simply enjoying the beauty of every season. Ideally located near schools, shopping, dining, parks, golf, this is a rare opportunity to own one of RR most cherished homes

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
7/10
Rio Rancho Middle SchoolGrades 6-82.2 mi
7/10
Rio Rancho High SchoolGrades 9-120.6 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2004

Materials

  • Roof: Tile
  • Construction materials: Frame,Stucco

Other

  • Builder name: Charter

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Double Oven,Dishwasher,Free-Standing Electric Range,Refrigerator
  • Laundry features: Washer Hookup,Electric Dryer Hookup,Gas Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 2

Features

  • Breakfast Area,Ceiling Fan(s),Cathedral Ceiling(s),Dual Sinks,Entrance Foyer,Family/Dining Room,In-Law Floorplan,Living/Dining Room,Multiple Living Areas,Pantry,Shower Only,Separate Shower,Walk-In Closet(s)
  • Window features: Double Pane Windows,Insulated Windows
  • Flooring: Carpet,Tile
  • Number of fireplaces: 2
  • Fireplace features: Glass Doors,Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Forced Air,Natural Gas
  • Cooling features: Refrigerated

Interior Area

  • Total structure area: 3,178
  • Total interior livable area: 3,178 sqft

Property

Details

  • Parcel number: 1013069138282
  • Zoning description: R-1

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Balcony,Covered,Patio
  • Exterior features: Balcony,Private Entrance,Privacy Wall,Private Yard,Water Feature,Sprinkler/Irrigation
  • Fencing: Wall

Lot

  • Lot size: 9,583 sqft
  • Features: Sprinklers In Rear,Landscaped,Sprinkler System

Parking

  • Total spaces: 3
  • Parking features: Attached,Finished Garage,Garage,Oversized,Storage,Workshop in Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    LightningRelatively High
  • Heat Wave
    Heat WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Heat Wave
Winter Weather

FEMA Declared Disasters in Sandoval 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 $2,978$35,736
Home Insurance *$120$1,440
Property Taxes $323$3,876
Electricity $225$2,711
Total$3,646$43,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$125,005/yr
40% on housing$109,380/yr
45% on housing$97,226/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 3.7%
3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$185This listing

vs Other Active Listings

Avg $/sqft

ZIP 87124$190
Sandoval County$215

vs Homes Sold Last Month

Median $/sqft

ZIP 87124
Sandoval County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-15Price change$583,950
2026-07-01Listed for sale$589,000

For Sale by Agent

AgentWill Beecher
BrokerageKeller Williams Realty

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