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12200 Bear Valley Ln NW, Albuquerque, NM, 87120

5beds
4baths
3,481sqft
$639,900
$184price/sqft
$4,056/moest. monthly cost
$162,240/yrincome needed

About This Home

Welcome to this stunning 5-bedroom, 4-bathroom home with 3,481 sqft of beautifully designed living space. The open layout creates an inviting atmosphere, perfect for family gatherings and entertainment. The home features brand new laminate wood flooring, installed in May 2026, that extends throughout the living room, dining area, and all five bedrooms. Additionally, this property includes a spacious office as well as an extra flex room, ideal for a home gym, hobby room, or kids' hangout area. Step outside to enjoy the landscaped backyard with a covered patio and appreciate the privacy of no neighbors to the east or south. This meticulously cared-for home is also conveniently located near many amenities!

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
7
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 2021

Materials

  • Roof: Tile

Other

  • Builder name: Pulte

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Gas Range,Cooktop,Dishwasher,Microwave,Refrigerator,Range Hood
  • Laundry features: Electric Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Level: Main
  • Area: 171.96

Features

  • Breakfast Area,Ceiling Fan(s),Separate/Formal Dining Room,Family/Dining Room,Great Room,Home Office,Kitchen Island,Living/Dining Room,Multiple Living Areas,Main Level Primary,Separate Shower,Walk-In Closet(s)
  • Window features: Double Pane Windows,Insulated Windows,Sliding
  • Flooring: Laminate,Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 3,481
  • Total interior livable area: 3,481 sqft

Kitchen

  • Level: Main
  • Area: 263.5

Living Room

  • Level: Main
  • Area: 365.47

Primary Bedroom

  • Level: Main
  • Area: 253.5

Property

Details

  • Parcel number: 100705829744211602
  • Zoning description: PC

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Courtyard,Fire Pit,Private Yard
  • Fencing: Gate,Wall

Lot

  • Lot size: 8,276 sqft

Parking

  • Total spaces: 2
  • 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

  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Hail
Heat Wave
Inland Flooding
Lightning

FEMA Declared Disasters in Bernalillo 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 $3,235$38,820
Home Insurance *$121$1,452
Property Taxes $453$5,436
Electricity $247$2,969
Total$4,056$48,672
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$139,062/yr
40% on housing$121,680/yr
45% on housing$108,160/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$184This listing

vs Other Active Listings

Avg $/sqft

ZIP 87120$205
Bernalillo County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 87120
Bernalillo County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-22Price change$639,900
2026-07-13Price change$649,900
2026-07-03Price change$659,900
2026-06-25Price change$674,999
2026-05-28Listed for sale$685,000

For Sale by Agent

AgentAmanda C Baca
BrokerageLPT Realty

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