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301 Maple Ave, Chama, NM, 87520

4beds
3baths
1,993sqft
$425,000
$213price/sqft
$2,823/moest. monthly cost
$112,920/yrincome needed

About This Home

This home is one of the oldest homes in Chama and has been in the same family since approximately 1940/1942. Sellers are unsure of the actual age.Quaint, charming 3 bedroom, 1123 +/- square foot main house that has been lovingly maintained, plus there is a 870 square foot guest house with one bedroom upstairs and a downstairs full bath as well as a 3/4 bath upstairs. The home, guest house, shed/gazebo all have had their roofs replaced in 2023.would be perfect using as a rental for extra income. Charming gazebo attached to a storage shed in the back yard for sitting outside enjoying gentle breezes on summer days. Manicured yard with flowers, grass, large trees and a fence to keep pesky animals out! The home is just a few blocks away from the Cumbres & Toltec Scenic railroad for those train buffs. The Sargeant's wildlife refuge is just down the road for those who love biking or hiking!

Getting Around

37
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

2/10
Chama Elementary SchoolGrades PK-50.3 mi
6/10

Construction

Materials

  • Construction materials: Frame,Siding

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Carpet,Laminate,Tile
  • Number of fireplaces: 2
  • Fireplace: Yes

Heating

  • Heating features: Natural Gas,Wood Stove

Interior Area

  • Total structure area: 1,993
  • Total interior livable area: 1,993 sqft

Property

Details

  • Parcel number: 1017184284435

Features

  • Stories: 1

Lot

  • Lot size: 7,405 sqft

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 $2,149$25,788
Home Insurance *$449$5,388
Property Taxes $77$924
Electricity $148$1,780
Total$2,823$33,876
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,788/yr
40% on housing$84,690/yr
45% on housing$75,280/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

$213This listing

vs Other Active Listings

Avg $/sqft

ZIP 87520$295
Rio Arriba County$710

vs Homes Sold Last Month

Median $/sqft

ZIP 87520$114
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)

Price History

DateEventPrice
2026-05-23Listed for sale$425,000
2022-10-27Sold--

For Sale by Agent

AgentMichele Marino
BrokerageUnited Country - Northern New Mexico Real Estate

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