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25 Bluff Rd, Thoreau, NM, 87323

2beds
1baths
936sqft
$250,000
$267price/sqft
$1,695/moest. monthly cost
$67,800/yrincome needed

About This Home

Escape to this charming two-bedroom, one-bath cabin nestled near Bluewater Lake. Surrounded by beautiful views and natural scenery, this peaceful retreat offers the perfect blend of privacy and comfort. Enjoy quiet mornings, breathtaking sunsets, and the relaxing atmosphere of this secluded location while still being close to outdoor recreation, fishing, hiking, and boating. Whether you're looking for a weekend getaway, vacation home, or full-time escape, this cozy cabin is a true hidden gem.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

4/10
Thoreau Elementary SchoolGrades PK-57.2 mi
6/10
Thoreau Middle SchoolGrades 6-88.0 mi
4/10
Thoreau High SchoolGrades 9-128.1 mi

Construction

Condition

  • Year built: 1980

Materials

  • Construction materials: Frame,Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Ceiling Fan(s)
  • Flooring: Vinyl,Wood

Heating

  • Heating features: Has Heating (Unspecified Type)

Interior Area

  • Total structure area: 936
  • Total interior livable area: 936 sqft

Property

Details

  • Parcel number: 2073074084294

Features

  • Stories: 1
  • Exterior features: Deck

Lot

  • Lot size: 5.62 Acres

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

  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Winter Weather
Cold Wave
Wildfire

FEMA Declared Disasters in McKinley 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 $1,264$15,168
Home Insurance *$211$2,532
Property Taxes $72$864
Electricity $148$1,780
Total$1,695$20,340
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,114/yr
40% on housing$50,850/yr
45% on housing$45,200/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 12.1%
12.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$267This listing

vs Other Active Listings

Avg $/sqft

ZIP 87323$61
McKinley County$118

vs Homes Sold Last Month

Median $/sqft

ZIP 87323$92
McKinley County$141

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
2026-05-14Listed for sale$250,000
2025-04-07Listing removed$1,700
2025-03-29Listed for rent$1,700
2024-11-18Listing removed$1,200
2024-11-17Listed for rent$1,200
2024-11-08Listing removed$1,200
2024-11-07Listing removed--
2024-09-30Listed for rent$1,200
2024-09-29Listed for sale$350,000
2019-12-20Sold--

For Sale by Agent

AgentLori A Baca
BrokerageRE/MAX Elegance

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