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16 W Cobble Ln, Bluff, UT, 84512

2beds
2baths
1,800sqft
$750,000
$417price/sqft
$4,460/moest. monthly cost
$178,400/yrincome needed

About This Home

Architect-designed and thoughtfully built by a career general contractor, this beautifully crafted 2-bedroom, 2-bath home sits on 1.3 acres in Bluff, Utah and offers a rare blend of comfort, efficiency, and desert serenity. The open floor plan features a spacious living area with a classic Rumford fireplace, sunroom, generous pantry, and abundant storage including eight closets-one cedar lined. Designed for year-round comfort, the home includes central heat and air conditioning and an energy-efficient solar array that more than offsets electric needs. Quality construction details include Pella windows, an architect-grade metal roof, metal gutters, and a durable stucco exterior. Outdoor spaces are equally inviting, with a private courtyard and fountain, a south-facing deck, and a semi-in-ground pool with surrounding deck-perfect for enjoying Bluff's expansive skies. The property also includes a wired and plumbed workshop with bath, outdoor shower, one-car garage, small barn and paddock, plus a charming orchard and garden beds filled with honeysuckle, roses, rosemary, and more. Located within a quiet four-home enclave bordered by split-rail fencing, the property offers easy access to the Nature Conservancy lands and the San Juan River. All information is deemed reliable, but must be confirmed by the Buyer during due diligence. Square footage figures are provided as a courtesy estimate only and were obtained from Seller. Buyer is advised to obtain an independent measurement.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

4/10
Bluff SchoolGrades PK-50.8 mi
4/10
Whitehorse High SchoolGrades 7-1214.0 mi

Construction

Condition

  • Property condition: Blt./Standing
  • Year built: 2004

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Freezer,Range Hood,Refrigerator,Washer,Free-Standing Range

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 2

Features

  • Vaulted Ceiling(s)
  • Door features: Sliding Doors
  • Window features: Blinds,Drapes,Window Coverings,Double Pane Windows,Skylight(s)
  • Flooring: Tile
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning Stove
  • Fireplace: Yes
  • Finished area above ground: 1,800

Heating & Cooling

  • Heating features: Electric,Forced Air,Active Solar
  • Cooling features: Central Air,Active Solar

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,800 sqft

Property

Accessibility

  • Accessibility features: Accessible Doors,Accessible Hallway(s),Grip-Accessible Features,Ground Level,Accessible Approach with Ramp,Customized Wheelchair Accessible

Details

  • Parcel number: C00680000040
  • Zoning: RES
  • Zoning description: Single-Family
  • Other equipment: Satellite Equipment,Satellite Dish
  • Exclusions: Fireplace Equipment,Fireplace Insert,Microwave,Workbench
  • Horse amenities: Barn,Horse Property

Features

  • Stories: 1
  • Entry location: Ground Level
  • Private pool: Yes
  • Pool features: Above Ground,Fiberglass,In Ground
  • Patio & porch: Covered,Patio,Covered Patio,Open Patio
  • Fencing: Full
  • Has view: Yes
  • View description: Mountain(s),Valley,Red Rock
  • Topography of land: Terrain
  • Residential vegetation: Fruit Trees,Landscaping: Part,Mature Trees,Vegetable Garden,Xeriscaped
  • Horses can be raised: Yes

Lot

  • Lot size: 1.30 Acres
  • Features: Corner Lot,Secluded,Drip Irrigation: Auto-Full
  • Lot size dimensions: 0.0 x 0.0 x 0.0

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
  • Winter Weather
    Winter WeatherVery High
  • Heat Wave
    Heat WaveRelatively High
  • Landslide
    LandslideRelatively High
  • Avalanche
    AvalancheModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Winter Weather
Heat Wave
Landslide
Avalanche
Wildfire

FEMA Declared Disasters Across Utah Counties

Fire

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 $3,792$45,504
Home Insurance $113$1,356
Property Taxes $386$4,632
Electricity $169$2,039
Total$4,460$53,520

Income You'd Need if You Spent...

35% on housing$152,914/yr
40% on housing$133,800/yr
45% on housing$118,933/yr

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: 16.9%
16.9%
0%30.0%
Electricity Growth Rate10-year average: 0.9%
0.9%
0%15.0%
Property Taxes Growth Rate2-year average: 8.2%
8.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$417This listing

vs Other Active Listings

Avg $/sqft

ZIP 84512
San Juan County$179

vs Homes Sold Last Month

Median $/sqft

ZIP 84512
San Juan County$397

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
2026-03-26Listed for sale$750,000

For Sale by Agent

AgentReina Every
BrokerageBerkshire Hathaway HomeServices Utah Properties (Moab)

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