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12109 Echo Valley Ln NW, Albuquerque, NM, 87120

4beds
3baths
2,676sqft
$515,000
$192price/sqft
$3,279/moest. monthly cost
$131,160/yrincome needed

About This Home

SOLAR PAID OFF AT CLOSING BY SELLER! Stunning Firwood floorplan with cathedral ceilings filled with natural light in the desired gated neighborhood of Inspiration! Elegant cabinets, stylish gray ceramic tile flooring, and luxurious granite countertops in the kitchen. The chef's kitchen is perfect with a large island, built-in gas stainless steel cooktop, and wall oven. The home offers a spacious two-story open Gathering Room, a versatile loft, and a private study. The Owner's Suite boasts a charming bay window, adding extra space and aesthetic appeal. The upgraded bathroom includes a fully tiled shower. Fully landscaped backyard with mountain views and solar making electric bills almost non existent! This home truly has it all!

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
24
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 2023

Materials

  • Roof: Pitched,Tile
  • Construction materials: Frame,Synthetic Stucco

Other

  • Builder name: Pulte

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Gas Range,Dishwasher,Disposal,Microwave,Range Hood
  • Laundry features: Electric Dryer Hookup

Bedrooms & Bathrooms

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

Features

  • Cathedral Ceiling(s),Dual Sinks,Great Room,Home Office,Kitchen Island,Loft,Multiple Living Areas,Main Level Primary,Pantry,Shower Only,Separate Shower,Walk-In Closet(s)
  • Window features: Double Pane Windows,Insulated Windows,Low-Emissivity Windows
  • Flooring: Carpet,Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 2,676
  • Total interior livable area: 2,676 sqft

Kitchen

  • Level: Main
  • Area: 204.33

Living Room

  • Level: Main
  • Area: 286.75

Primary Bedroom

  • Level: Main
  • Area: 229.67

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 100705842850311904
  • Zoning description: PC

Features

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

Lot

  • Lot size: 5,662 sqft
  • Features: Lawn,Landscaped

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Hail
Heat Wave
Inland Flooding
Lightning

FEMA Declared Disasters in Bernalillo 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 $2,604$31,248
Home Insurance *$121$1,452
Property Taxes $364$4,368
Electricity $190$2,283
Total$3,279$39,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,422/yr
40% on housing$98,370/yr
45% on housing$87,440/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$192This listing

vs Other Active Listings

Avg $/sqft

ZIP 87120$205
Bernalillo County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 87120
Bernalillo County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-20Price change$525,000
2026-03-03Price change$530,000
2026-01-10Price change$535,000
2025-11-10Price change$538,000
2025-10-22Price change$540,000
2025-09-26Listed for sale$550,000
2023-08-24Sold--
2023-06-26Pending sale$545,641
2023-05-08Price change$545,641
2023-05-03Price change$570,641
2023-04-06Price change$545,641
2023-03-31Price change$570,641
2023-03-23Price change$545,641
2023-03-07Price change$570,641
2023-02-15Price change$545,641
2023-02-09Price change$529,665
2023-01-12Price change$539,666
2023-01-10Price change$570,641
2022-12-20Price change$560,641
2022-12-06Price change$570,641
2022-11-15Price change$569,701
2022-10-09Price change$545,417
2022-09-30Price change$569,701
2022-09-12Price change$545,400
2022-09-06Listed for sale$569,701

For Sale by Agent

AgentAlicia Marie Messenger
BrokerageColdwell Banker Legacy

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