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28 County Road 356, Lumberton, NM, 87528

3beds
3baths
786sqft
$175,000
$223price/sqft
$1,337/moest. monthly cost
$53,480/yrincome needed

About This Home

Welcome to this cozy and inviting 3-bedroom, 2-bath home in the peaceful community of Lumberton — the perfect place to begin your homeownership journey. With 786 square feet of thoughtfully designed space, this home proves that comfort doesn’t require a large footprint. Inside, you’ll find a warm and welcoming living area that feels just right for relaxing evenings, movie nights, or gathering with loved ones. The functional layout offers three bedrooms and two full bathrooms — a wonderful opportunity for first-time buyers needing flexible space for family, guests, or even a home office. Important improvements have already been addressed, including updated plumbing and a new leach line, giving you added confidence and peace of mind as you step into homeownership. Located near the local elementary school and set in a quiet neighborhood, this home offers small-town charm, simplicity, and an affordable opportunity to own rather than rent. If you’ve been waiting for a manageable, move-in-ready home that feels welcoming from the moment you arrive — this could be the one.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

8/10
Dulce Elementary SchoolGrades PK-52.2 mi
3/10
Dulce Middle SchoolGrades 6-83.2 mi
6/10
Dulce High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 1998

Materials

  • Roof: Propanel

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Northern New Mexico
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dryer,Microwave,Range Hood,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Ceiling Fan(s)
  • Flooring: Carpet,Laminate

Heating

  • Heating features: Forced Air Perimeter

Interior Area

  • Total structure area: 786
  • Total interior livable area: 786 sqft

Property

Details

  • Parcel number: R000294

Features

  • Levels: One
  • Stories: 1
  • Fencing: Chain Link,Fenced

Lot

  • Lot size: 6,534 sqft

Parking

  • Parking features: 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
  • Lightning
    LightningVery High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Wildfire
Winter Weather
Drought
Landslide

FEMA Declared Disasters in Rio Arriba 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 $884$10,608
Home Insurance *$85$1,020
Property Taxes $220$2,640
Electricity $148$1,780
Total$1,337$16,044
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,840/yr
40% on housing$40,110/yr
45% on housing$35,653/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: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$223This listing

vs Other Active Listings

Avg $/sqft

ZIP 87528$1,012
Rio Arriba County$712

vs Homes Sold Last Month

Median $/sqft

ZIP 87528
Rio Arriba County$200

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
2026-03-05Listed for sale$175,000

For Sale by Agent

AgentMariella Avalos
BrokerageUnited Country - Northern New Mexico Real Estate

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