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8 Silver Cloud Loop, Cloudcroft, NM, 88317

2beds
2baths
1,229sqft
$265,000
$216price/sqft
$1,959/moest. monthly cost
$78,360/yrincome needed

About This Home

Tucked beneath the tall pines and surrounded by the cool, crisp mountain air, this inviting retreat offers the perfect blend of comfort and charm. This well-maintained 2-bedroom, 2-bath home features a flexible layout with a second living area—ideal for guests, a game room, or a cozy den. The eat-in kitchen provides a warm, welcoming space to gather, while recent updates throughout the home—including refreshed paint, updated carpet, and stylish vinyl plank flooring—add a clean, modern touch without losing that mountain feel. Step outside to a spacious covered deck, perfect for entertaining or simply enjoying the peaceful outdoor living that makes mountain life so special. Whether hosting friends or unwinding with your morning coffee, this inviting space extends your living area into the beauty of the surrounding pines. Stay comfortable year-round with a pellet stove for those chilly mountain evenings and the added peace of mind of a whole-home generator. Major improvements such as a newer roof and new windows throughout enhance both efficiency and value. Situated on a corner lot, the property also includes a powered workshop—perfect for hobbies, storage, or extra workspace. Whether you're looking for a full-time residence, weekend escape, or investment opportunity, this mountain home captures the essence of Cloudcroft living. Make sure to check out the 3D virtual tour and schedule your showing today! https://my.matterport.com/show/?m=ypHkZeHzSGv&mls=1

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
4/10
Cloudcroft Middle SchoolGrades 6-81.5 mi
6/10
Cloudcroft High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1980

Materials

  • Roof: Metal
  • Construction materials: Wood Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Mobile Home

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Free-Standing Range/Oven
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bathroom

  • Features: Shower

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Features

  • Eat-in Kitchen,Vaulted Ceiling(s),Ceiling Fan(s)
  • Flooring: Partial Carpet
  • Fireplace features: Pellet Stove
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Propane,Other
  • Cooling features: None

Interior Area

  • Total structure area: 1,229
  • Total interior livable area: 1,229 sqft

Property

Details

  • Parcel number: R039356
  • Zoning description: Single Family,Restrict.Covnts

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck Covered

Lot

  • Lot size: 0.30 Acres
  • Features: Corner Lot,<1/2 Acre
  • Lot size dimensions: 0.299 Acres

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 $1,339$16,068
Home Insurance *$131$1,572
Property Taxes $341$4,092
Electricity $148$1,780
Total$1,959$23,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,165/yr
40% on housing$58,770/yr
45% on housing$52,240/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

$216This listing

vs Other Active Listings

Avg $/sqft

ZIP 88317$178
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)

Price History

DateEventPrice
2026-04-21Price change$265,000
2026-03-20Listed for sale$275,000
2022-08-29Sold--
2022-08-25Contingent$221,900
2022-05-27Listed for sale$221,900
2020-09-15Listing removed$120,000
2020-07-24Pending sale$120,000
2020-07-24Listed for sale$120,000

For Sale by Agent

AgentDebbie Loper
BrokerageFuture Real Estate

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