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1031 San Ildefonso St, Espanola, NM, 87532

3beds
2baths
1,220sqft
$330,000
$270price/sqft
$1,999/moest. monthly cost
$79,960/yrincome needed

About This Home

Discover the warmth and charm of this well cared for Valley home, where pride of ownership shines throughout. Situated on a spacious .36 acre corner lot, this 3 bedroom, 2 bath property offers the perfect blend of timeless character and thoughtful updates. Enjoy original wood floors, updated windows, refrigerated air, a water softener, and security screen doors for year-round comfort and peace of mind. The versatile third bedroom showcases beautiful vigas and wood accents, making it an ideal family room, home office, game room, or guest space to fit your lifestyle. Outside, you'll find mature trees, lush grass, a private well, backyard access, a garage, covered patio and carport plus a shop. The charming covered front porch is the perfect spot to add a porch swing and unwind while taking in the peaceful surroundings. Full of original character and meticulously maintained over the years, this home is ready for its next chapter. Don't miss this opportunity to make this gem your own.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

5/10
6/10

Construction

Condition

  • Year built: 1957

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Oven,Range,Refrigerator,Washer

Bedrooms & Bathrooms

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

Features

  • Beamed Ceilings,No Interior Steps
  • Flooring: Carpet,Wood

Heating & Cooling

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

Interior Area

  • Total structure area: 1,220
  • Total interior livable area: 1,220 sqft

Property

Accessibility

  • Accessibility features: Not ADA Compliant

Details

  • Parcel number: 1048121121107
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Living area range: 1,001-1,250

Lot

  • Lot size: 0.36 Acres

Parking

  • Total spaces: 6
  • Parking features: Carport,Detached,Garage,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Carport: 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
    WildfireRelatively High
  • Earthquake
    EarthquakeModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Wildfire
Earthquake
Winter Weather

FEMA Declared Disasters in Rio Arriba 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 $1,668$20,016
Home Insurance *$123$1,476
Property Taxes $60$720
Electricity $148$1,780
Total$1,999$23,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,537/yr
40% on housing$59,970/yr
45% on housing$53,306/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
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 87532$169
Rio Arriba County$711

vs Homes Sold Last Month

Median $/sqft

ZIP 87532$174
Rio Arriba County$200

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
2026-08-06Pending sale$330,000
2026-08-03Listed for sale$330,000

For Sale by Agent

AgentFrancesca A. Rodriguez
BrokerageSimply Real Estate NM

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