See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

71 County Road 544, Espanola, NM, 87532

5beds
3baths
4,009sqft
$535,000
$133price/sqft
$3,288/moest. monthly cost
$131,520/yrincome needed

About This Home

Nice home in nice location near the Rio Grande River. Very quiet. HOME needs some upgrades but it’s built well. Has hot water baseboard heating, house and outbuilding. Needs air-conditioning. Ductwork is in attic. On to Wells and one needs repaired. Large septic tank. Most of the house is carpeted except for one bedroom that has wood floors. Flagstone wood fireplace. New propanel Roof installed 2023.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

5/10
6/10

Construction

Condition

  • Year built: 1967

Materials

  • Roof: Metal

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Garbage disposal,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Tile,Carpet,Laminate,Linoleum / Vinyl
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Baseboard,Heat pump,Gas
  • Cooling features: Other

Interior Area

  • Total interior livable area: 4,009 sqft

Property

Details

  • Parcel number: 1047118007146

Features

  • Exterior features: Wood,Wood products
  • Has view: Yes
  • View description: Mountain

Lot

  • Lot size: 1.68 Acres

Parking

  • Parking features: Garage - Attached,Garage - Detached

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
  • Cold Wave
    Cold WaveModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Wildfire
Cold Wave
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 $2,705$32,460
Home Insurance *$200$2,400
Property Taxes $98$1,176
Electricity $285$3,420
Total$3,288$39,456
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,731/yr
40% on housing$98,640/yr
45% on housing$87,680/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

$133This listing

vs Other Active Listings

Avg $/sqft

ZIP 87532$170
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
2026-06-23Listed for sale$535,000
2026-04-16Listing removed--
2026-03-25Listed for sale$550,000

For Sale by Owner

AgentProperty Owner

Similar Homes