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12 Navajo Dr, Concho, AZ, 85924

4beds
2baths
1,940sqft
$475,000
$245price/sqft
$2,841/moest. monthly cost
$113,640/yrincome needed

About This Home

HORSE PROPERTY IN THE WHITE MOUNTAINS $10K BUYERS CONCESSIONS OFFERED Experience country living with breathtaking views of the White Mountain Range on this well-appointed 4-bedroom home situated on 2 acres. Designed for comfort and functionality, the home features a welcoming foyer with a coat closet, a spacious living room highlighted by a cozy wood stove, a breakfast nook, and a formal dining room perfect for gatherings. The home offers 2 bathrooms, providing convenience and flexibility for family and guests. Exterior improvements include durable siding on both the home and the 2.5-car garage, along with a vented metal roof for added longevity and efficiency. Recent upgrades include a new water heater and septic system. This property is thoughtfully equipped for sustainable and rural living with a 7,000-gallon water catchment system collecting from both the home and garage, complete with screened gutters. Equestrian enthusiasts will appreciate the back acre, fully set up for up to 4 horses with a solar-powered electric fence, roundpen, four stalls with 2.5 covered, and a 40-foot Conex storage container ideal for feed, tack, and equipment. The grounds continue to impress with a productive orchard featuring five varieties of fruit trees currently full of fruit, abundant grape vines, and several raised garden beds located just behind the home. A rare opportunity to enjoy mountain views, horse facilities, and self-sufficient living in a peaceful setting.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

5/10
Concho Elementary SchoolGrades PK-81.9 mi

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Slab
  • Roof: Metal,Pitched
  • Construction materials: Wood Frame

Type & Style

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

Interior

Appliances

  • Laundry features: Utility Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Features

  • Master Downstairs,Shower,Tub/Shower,Full Bath,Pantry,Kitchen/Dining Room Combo,Breakfast Room
  • Window features: Double Pane Windows,Drapes,Screens
  • Flooring: Carpet,Tile,Laminate
  • Fireplace features: Living Room,Wood Burning Stove
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 1,940
  • Total interior livable area: 1,940 sqft

Property

Details

  • Parcel number: 20127344A
  • Zoning description: Residential/AG

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Deck
  • Exterior features: Rain Gutters
  • Fencing: Privacy,Chain Link,Cross Fenced
  • Has view: Yes
  • View description: Panoramic
  • Horses can be raised: Yes

Lot

  • Lot size: 2.08 Acres

Parking

  • Parking features: Garage Door Opener
  • Has garage: Yes

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

  • Lightning
    LightningVery High
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Wildfire
Winter Weather

FEMA Declared Disasters in Apache County and Arizona

Fire
Flood
Snowstorm
Winter 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 $2,401$28,812
Home Insurance $141$1,692
Property Taxes $83$996
Electricity $216$2,603
Total$2,841$34,092

Income You'd Need if You Spent...

35% on housing$97,405/yr
40% on housing$85,230/yr
45% on housing$75,760/yr

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: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 1.2%
1.2%
0%15.0%
Property Taxes Growth Rate2-year average: -3.3%
-3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$245This listing

vs Other Active Listings

Avg $/sqft

ZIP 85924$175
Apache County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 85924
Apache County$186

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
2026-05-27Listed for sale$475,000

For Sale by Agent

AgentBarry A Nicks
BrokerageRealty Executives Arizona Territory - Show Low

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