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3368 Ice Caves Rd, Ramah, NM, 87321

2beds
1baths
2,188sqft
$249,000
$114price/sqft
$1,624/moest. monthly cost
$64,960/yrincome needed

About This Home

This charming and spacious light-filled retreat on 20 fenced acres is just minutes from El Morro & El Malpais National Monuments and Cibola National Forest. The house features two living areas with wood floors throughout, and a large kitchen offers a pantry and double electric oven/gas top range. A dramatic 3/4 lava rock wall harvested from the property is a striking visual anchor and provides radiant heat from the sunlight that fills the adjacent atrium. Upstairs is a loft overlooking the atrium, with a small bedroom and space that could provide an office or third bedroom. A concrete cistern water catchment system and 2000 gal tank provide the home's water supply. New roof recently installed. Home is well-maintained but needs some work. Large barn w/ greenhouse offers many possibilities.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

9/10
3/10
4/10
Grants High SchoolGrades 9-1222.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1984

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Metal,Pitched
  • Construction materials: Frame,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom,Mountain
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: ENERGY STAR Qualified Appliances,Free-Standing Gas Range,Microwave,Refrigerator,Range Hood
  • Laundry features: Electric Dryer Hookup

Bedroom2

  • Level: Second
  • Area: 10192

Bedrooms & Bathrooms

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

Features

  • Atrium,Bookcases,Ceiling Fan(s),French Door(s)/Atrium Door(s),High Speed Internet,Loft,Multiple Living Areas,Main Level Primary,Tub Shower
  • Window features: Double Pane Windows,Insulated Windows,Vinyl
  • Flooring: Stone,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning Stove
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Baseboard,Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 2,188
  • Total interior livable area: 2,188 sqft

Kitchen

  • Level: Main
  • Area: 24732
  • Dimensions: Includes dining area

Living Room

  • Level: Main
  • Area: 33170

Living Room

  • Level: Main
  • Area: 21128

Primary Bedroom

  • Level: Main
  • Area: 17784

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2076054050025
  • Zoning: Out of MLS Area
  • Zoning description: R-1

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Open,Patio
  • Exterior features: Fire Pit,Outdoor Grill,Private Yard
  • Has view: Yes
  • Horses can be raised: Yes

Lot

  • Lot size: 20 Acres
  • Features: Garden,Landscaped,Meadow,Views,Wooded

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
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Inland Flooding
Wildfire
Winter Weather
Landslide

FEMA Declared Disasters in Cibola 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 $1,259$15,108
Home Insurance *$113$1,356
Property Taxes $97$1,164
Electricity $155$1,866
Total$1,624$19,488
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,680/yr
40% on housing$48,720/yr
45% on housing$43,306/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: 10.2%
10.2%
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

$114This listing

vs Other Active Listings

Avg $/sqft

ZIP 87321$487
Cibola County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 87321$114
Cibola County$122

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
2026-06-18Listed for sale$249,000

For Sale by Agent

AgentPatricia G Anderson
BrokerageBerkshire Hathaway Home Svc NM

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