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10 Oak Trl, Cloudcroft, NM, 88317

1beds
1baths
816sqft
$260,000
$319price/sqft
$1,711/moest. monthly cost
$68,440/yrincome needed

About This Home

Cozy A-Frame Cabin Among the Pines – Just Minutes from Cloudcroft Escape to the serenity of the Silver Cloud area with this charming A-frame cabin, nestled among towering pines just 10 minutes south of Cloudcroft. A welcoming entryway on the ground level provides the perfect spot to stow your outdoor gear before stepping into the cozy main floor, which features a comfortable bedroom and full bathroom. Upstairs, the open living space boasts picturesque views and access to two decks—ideal for enjoying fresh mountain air and peaceful surroundings. Sliding glass doors from both the living room and kitchen/dining area create seamless indoor-outdoor living. Whether you're seeking a weekend getaway or a quiet retreat, this cabin offers the perfect blend of rustic charm and modern comfort. Check out the 3D tour and schedule a private showing today.

Getting Around

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

Schools

5/10
4/10
Cloudcroft Middle SchoolGrades 6-81.5 mi
6/10
Cloudcroft High SchoolGrades 9-121.5 mi

Construction

Condition

  • Year built: 1983

Materials

  • Roof: Shingle
  • Construction materials: Wood Siding,Wood

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Refrigerator,Electric Range/Oven,Free-Standing Range/Oven,Washer

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bathroom

  • Features: Tub and Shower

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1

Features

  • Eat-in Kitchen,Ceiling Fan(s)
  • Flooring: Partial Carpet

Heating & Cooling

  • Heating features: Electric Wall Heat,Other
  • Cooling features: None

Interior Area

  • Total structure area: 816
  • Total interior livable area: 816 sqft

Property

Details

  • Zoning description: Single Family,Restrict.Covnts

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Porch Covered

Lot

  • Lot size: 0.25 Acres
  • Features: Wooded,<1/2 Acre
  • Lot size dimensions: 0.251 Acres

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 $1,314$15,768
Home Insurance *$128$1,536
Property Taxes $121$1,452
Electricity $148$1,780
Total$1,711$20,532
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,662/yr
40% on housing$51,330/yr
45% on housing$45,626/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

$319This listing

vs Other Active Listings

Avg $/sqft

ZIP 88317$178
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)

No zestimate history available

Price History

DateEventPrice
2026-05-04Price change$260,000
2026-03-01Price change$265,000
2025-10-07Price change$274,000
2025-04-30Listed for sale$279,000

For Sale by Agent

AgentDebbie Loper
BrokerageFuture Real Estate

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