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46 Wimsatt Loop, Cloudcroft, NM, 88317

2beds
1baths
1,368sqft
$449,000
$328price/sqft
$3,218/moest. monthly cost
$128,720/yrincome needed

About This Home

Escape to the mountains and discover the kind of quiet that’s hard to find and even harder to leave. Set on just over 2 acres, this inviting cabin offers a peaceful retreat where cool summer temperatures, sweeping views, and frequent wildlife sightings become part of your everyday experience—and the views truly steal the show. Fully remodeled and beautifully designed, this 2 bedroom, 1 1/4 bath home blends timeless cabin character with fresh, modern updates throughout. Inside, the open-concept great room welcomes you with vaulted ceilings, warm rustic wood accents, and stylish finishes that feel both elevated and comfortable. A wood-burning, forced air fireplace anchors the space, creating an ideal setting for cozy evenings after a day spent outdoors. Extensive upgrades provide both peace of mind and everyday convenience, including new flooring, updated plumbing and electrical systems, a new roof and gutters, updated cooktop and appliances, energy-efficient mini-split systems, and more. A short stairway leads to the upper-level bedrooms, offering a sense of separation while maintaining the home’s open, airy feel. The primary bedroom includes a convenient sink/vanity area, adding functionality and ease to your daily routine. Step outside and take full advantage of mountain living with both a spacious upper deck—perfect for taking in those incredible views—and a lower covered deck for shaded relaxation or entertaining in any season. The property offers ample parking and includes a crawl space for additional storage, making it as practical as it is picturesque. Served by association water for added convenience. Offered mostly furnished with an acceptable offer, this turn-key mountain retreat is ready for you to arrive and start enjoying from day one—whether as a full-time residence, weekend escape, or investment opportunity.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

5/10
4/10
Cloudcroft Middle SchoolGrades 6-85.3 mi
6/10
Cloudcroft High SchoolGrades 9-125.4 mi

Construction

Condition

  • Year built: 1989

Materials

  • Foundation: Crawl Space
  • Roof: Metal
  • Construction materials: Wood Siding,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Refrigerator,Built-In Range/Oven
  • Laundry features: Washer Hookup

Bathroom

  • Features: Tub and Shower,1.25 Bath

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1

Features

  • Eat-in Kitchen,Vaulted Ceiling(s),Ceiling Fan(s)
  • Window features: Window Coverings
  • Flooring: No Carpet
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating

  • Heating features: Wood

Interior Area

  • Total structure area: 1,368
  • Total interior livable area: 1,368 sqft

Property

Details

  • Parcel number: R040757
  • Zoning description: Single Family,Restrict.Covnts

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Deck Covered
  • Fencing: Chain Link

Lot

  • Lot size: 2.10 Acres
  • Features: Grass Front,Grass Rear,Wooded,1.01-2.5 Acre
  • Lot size dimensions: 2.105 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 $2,270$27,240
Home Insurance *$221$2,652
Property Taxes $579$6,948
Electricity $148$1,780
Total$3,218$38,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,331/yr
40% on housing$96,540/yr
45% on housing$85,813/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

$328This 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)

Price History

DateEventPrice
2026-05-07Listed for sale$469,000

For Sale by Agent

AgentDebbie Tate
BrokerageFuture Real Estate

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