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4689 Lluvia Encantada, Santa Fe, NM, 87507

2beds
3baths
2,490sqft
$687,000
$276price/sqft
$4,084/moest. monthly cost
$163,360/yrincome needed

About This Home

Better Than New! This impeccably maintained 2,490 sq. ft. Pulte home is a masterclass in pride of ownership. Boasting a rare single-story layout with a very unique 2 Bedroom Ensuite layout with additional 2 flex spaces plus an additional powder bath for guests. This floorplan is very flexible and accommodates different lifestyles. Enjoy an abundance of natural light and brand-new flooring in the living area. You will notice the comfort of the upgraded carpet/padding in the bedrooms. Modern and efficient essentials throughout, including a tankless water heater, forced air heating and refrigerated air PLUS a sleek, low-maintenance backyard. From the pristine 2-car garage to the airy open-concept living space, this home is 100% move-in ready.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
Pinon Elementary SchoolGrades PK-61.4 mi
6/10
Milagro Middle SchoolGrades 7-83.9 mi
--
Santa Fe EngageGrades 9-121.1 mi

Construction

Condition

  • Year built: 2019

Materials

  • Roof: Membrane

Other

  • Builder name: Pulte

Type & Style

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

Interior

Bedrooms & Bathrooms

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

Features

  • No Interior Steps

Heating & Cooling

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

Interior Area

  • Total structure area: 2,490
  • Total interior livable area: 2,490 sqft

Property

Accessibility

  • Accessibility features: Not ADA Compliant

Details

  • Parcel number: 099309495
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Living area range: 2,001-2,500

Lot

  • Lot size: 7,840 sqft

Parking

  • Total spaces: 4
  • 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

  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Wildfire
Winter Weather

FEMA Declared Disasters in Santa Fe 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 $3,473$41,676
Home Insurance *$191$2,292
Property Taxes $243$2,916
Electricity $177$2,124
Total$4,084$49,008
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,022/yr
40% on housing$122,520/yr
45% on housing$108,906/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: 10.7%
10.7%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$276This listing

vs Other Active Listings

Avg $/sqft

ZIP 87507$283
Santa Fe County$366

vs Homes Sold Last Month

Median $/sqft

ZIP 87507$322
Santa Fe County$337

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
2026-05-02Price change$715,000
2026-03-13Price change$729,900
2026-02-24Listed for sale$739,900

For Sale by Agent

AgentMarlene Vance
BrokerageAdvance Realty

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