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10 N3082, Vernon, AZ, 85940

2beds
2baths
1,350sqft
$549,850
$407price/sqft
$3,268/moest. monthly cost
$130,720/yrincome needed

About This Home

Welcome to your own private mountain retreat in the Vernon countryside. Situated on 7.63 acres comprised of two separate parcels, this exceptional property offers breathtaking views of Ziegler Mountain, abundant privacy, and direct access to the outdoor lifestyle that makes the White Mountains so special. Built in 2022 with quality construction and thoughtful design, this 2-bedroom, 2-bath home features a versatile loft, luxury vinyl plank flooring throughout the main living areas, carpeted bedrooms, and an oversized laundry room. Large windows perfectly frame the surrounding landscape, bringing the spectacular mountain views indoors while allowing natural light to fill the home. The kitchen, living, and loft spaces create a comfortable and functional layout, (continued) while opportunities remain for a future owner to add their own personal finishing touches and make the property uniquely their own. Constructed with durability and efficiency in mind, the home features R-38 insulation, Colorado snow-load trusses, 5/8-inch fire-rated sheetrock throughout the bearing walls, loft, hallway, ceilings, propane surround, and garage. The split-face block stem wall is 100% concrete-filled with steel reinforcement every two feet, providing exceptional structural integrity. The oversized garage is equipped with an insulated metal garage door, while every window is protected by insulated metal security shutters for added peace of mind. The property is fully fenced with a gated entrance and is heavily treed, creating a serene setting where wildlife, fresh mountain air, and quiet surroundings can be enjoyed year-round. Outdoor enthusiasts will appreciate the proximity to National Forest access, offering endless opportunities for horseback riding, hiking, ATV adventures, and exploration. Forest roads provide access throughout the surrounding backcountry, including routes leading toward Greens Peak. Additional improvements include a 10' x 20' storage shed, Conex storage container, durable low-maintenance fiber cement siding, and a 2,200-gallon rainwater collection holding tank. The property is served by a shared well, and water has already been extended to the second parcel. A rare and valuable feature is the presence of two septic systems--one serving the existing residence and a second already installed on the additional parcel. This creates outstanding flexibility for future expansion, a guest home, additional residence, or investment opportunities, subject to applicable approvals. Whether you're seeking a full-time residence, mountain getaway, horse property, or a private basecamp for outdoor recreation, this one-of-a-kind Vernon property delivers unmatched views, quality construction, and room to grow in one of the White Mountains' most peaceful settings.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
Vernon Elementary SchoolGrades PK-87.4 mi

Construction

Condition

  • Year built: 2022

Materials

  • Foundation: Stemwall
  • 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: 2
  • Bathrooms: 2

Features

  • Master Downstairs,Eat-in Kitchen,Shower,Tub/Shower,Pantry,Kitchen/Dining Room Combo,Split Bedroom
  • Window features: Double Pane Windows,Tinted Windows
  • Flooring: Carpet,Vinyl
  • Fireplace features: Living Room,Wood Burning Stove
  • Fireplace: Yes

Heating

  • Heating features: Wood

Interior Area

  • Total structure area: 1,350
  • Total interior livable area: 1,350 sqft

Property

Details

  • Parcel number: 10655011C
  • Zoning description: Residential

Features

  • Patio & porch: Deck
  • Exterior features: Rain Gutters
  • Fencing: Privacy,Wire
  • Has view: Yes
  • View description: Panoramic
  • Horses can be raised: Yes

Lot

  • Lot size: 7.63 Acres
  • Features: Wooded

Parking

  • Parking features: Garage
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Wildfire
    WildfireVery High
  • Winter Weather
    Winter WeatherVery High
  • Landslide
    LandslideRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Wildfire
Winter Weather
Landslide
Cold Wave

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 $2,780$33,360
Home Insurance $176$2,112
Property Taxes $96$1,152
Electricity $216$2,603
Total$3,268$39,216

Income You'd Need if You Spent...

35% on housing$112,045/yr
40% on housing$98,040/yr
45% on housing$87,146/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

$407This listing

vs Other Active Listings

Avg $/sqft

ZIP 85940$204
Apache County$195

vs Homes Sold Last Month

Median $/sqft

ZIP 85940
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
2026-06-19Listed for sale$549,850
2020-02-20Sold$19,000
2006-01-13Sold$10,560

For Sale by Agent

AgentShelby Teel
BrokerageFrank M. Smith & Associates - Main

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