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112 Divide St, Continental Divide, NM, 87312

4beds
2baths
2,314sqft
$430,000
$186price/sqft
$3,294/moest. monthly cost
$131,760/yrincome needed

About This Home

Welcome to this well maintained 4 bed 2 bath home sitting on 3 acres with gorgeous views! The property features multiple outbuildings including a large shop with electricity, a boat or RV garage, a two car garage, a manufactured home on the property that was used as a quilting business (not included in the square footage) and more! This fully fenced property is located less than 30 minutes from Gallup, NM. Enjoy peaceful country living while still close to local amenities. Schedule your showing today!

Getting Around

9
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

4/10
Thoreau Elementary SchoolGrades PK-54.8 mi
6/10
Thoreau Middle SchoolGrades 6-84.3 mi
4/10
Thoreau High SchoolGrades 9-124.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1974

Materials

  • Foundation: Permanent
  • Roof: Metal
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Electric Range,Dryer,Dishwasher,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • High Ceilings,Multiple Living Areas,Main Level Primary
  • Window features: Single Pane
  • Flooring: Carpet,Laminate,Tile
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Radiant
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,314
  • Total interior livable area: 2,314 sqft

Kitchen

  • Level: Main
  • Area: 146.52

Living Room

  • Level: Main
  • Area: 284.2

Primary Bedroom

  • Level: Main
  • Area: 143

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2081080298436
  • Zoning: Out of MLS Area
  • Zoning description: A-1

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Balcony,Open,Patio
  • Exterior features: Balcony,Private Yard,Propane Tank - Leased
  • Fencing: Full,Gate
  • Has view: Yes
  • Horses can be raised: Yes

Lot

  • Lot size: 3 Acres
  • Features: Views

Parking

  • Total spaces: 6
  • Parking features: Detached,Garage,Oversized,RV Garage,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 6
  • Carport: Yes
  • Carport 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

  • Cold Wave
    Cold WaveModerate
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Landslide
Lightning
Wildfire
Winter Weather

FEMA Declared Disasters in McKinley 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 $2,174$26,088
Home Insurance *$831$9,972
Property Taxes $125$1,500
Electricity $164$1,974
Total$3,294$39,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$112,937/yr
40% on housing$98,820/yr
45% on housing$87,840/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: 11.0%
11.0%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 12.1%
12.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$186This listing

vs Other Active Listings

Avg $/sqft

ZIP 87312
McKinley County$117

vs Homes Sold Last Month

Median $/sqft

ZIP 87312$81
McKinley County$141

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
2026-04-22Price change$430,000
2026-03-22Listed for sale$449,000

For Sale by Agent

AgentNew Mexico Dreamin LLC
BrokerageLPT Realty

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