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305 Chipmunk Ave, Cloudcroft, NM, 88317

4beds
1.75baths
2,284sqft
$499,000
$218price/sqft
$3,600/moest. monthly cost
$144,000/yrincome needed

About This Home

This charming historic home with an artistic flare is located in the heart of the Village of Cloudcroft and is walking distance to shops, dining, pickle ball courts, tennis, dog park and playgrounds. This home has been well maintained and upgraded with modern conveniences. Outside has a patio where you can have your favorite beverage, read a book and make some memories. Theres a nice size yard and a large shed for extra storage. Large windows allow the natural light to flow into the home. The house has three bedrooms, two bathrooms a separate dining room off the kitchen and two living rooms. The kitchen has an island for extra storage and prep area; there's also a bonus laundry area. Make this your full-time mountain home, investment property or personal getaway and start enjoying mountain life.

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

5/10
4/10
Cloudcroft Middle SchoolGrades 6-80.2 mi
6/10
Cloudcroft High SchoolGrades 9-120.1 mi

Construction

Condition

  • Year built: 1902

Materials

  • Roof: Metal
  • Construction materials: Wood Siding,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Range/Oven,Washer
  • Laundry features: Electric Dryer Hookup

Bathroom

  • Features: Shower

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1.75

Features

  • Tile Counters
  • Flooring: Wood,Hardwood
  • Fireplace features: Living Room,Dining Room
  • Fireplace: Yes

Heating

  • Heating features: Propane,Electric Wall Heat,Wood

Interior Area

  • Total structure area: 2,284
  • Total interior livable area: 2,284 sqft

Property

Details

  • Parcel number: R035295
  • Zoning description: Single Family,Restrict.Covnts

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio,Porch Covered

Lot

  • Lot size: 10,018 sqft
  • Features: Grass Front,Grass Rear,Wooded,<1/2 Acre

Parking

  • Parking features: No Carport,No Garage

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
  • Wildfire
    WildfireVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Winter Weather
Lightning
Hail
Ice Storm

FEMA Declared Disasters in Otero 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 $2,523$30,276
Home Insurance *$246$2,952
Property Taxes $669$8,028
Electricity $162$1,948
Total$3,600$43,200
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,428/yr
40% on housing$108,000/yr
45% on housing$96,000/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 4.0%
4.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$218This listing

vs Other Active Listings

Avg $/sqft

ZIP 88317$175
Otero County$176

vs Homes Sold Last Month

Median $/sqft

ZIP 88317$248
Otero County$165

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
2025-08-25Listed for sale$499,000

For Sale by Agent

AgentChristine Barry
BrokerageAspen Trails Realty

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