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107 County Road 78a, Truchas, NM, 87578

2beds
1baths
1,300sqft
$575,000
$442price/sqft
$4,951/moest. monthly cost
$198,040/yrincome needed

About This Home

Near the the charming village of Truchas on the High Road to Taos, the community is known for its art galleries, spectacular top-of-the-world views, slightly cooler temperatures and small grass-alfalfa farms raising horses and cattle. A couple of miles from the village you will find an opportunity to own a private and secluded country retreat on 1.4 acres bordering the 15,000 acre Nuestra Señora del Rosario San Fernando y Santiago Land Grant. It is so quiet here!! Spectacular 360 views of the Sangre de Cristo and Jemez Mountain ranges, the Rio Grande Valley below and many, many dark night skies where the stars are clearly visible. This well maintained home is features custom made kitchen cabinets and hand carved beams, a wood stove and brick floors. The floor to ceiling windows on the south side of the home give an abundance of light and passive solar warmth. The primary bedroom is located on the first level. The loft is a large open space that currently servces as a bedroom although was previously the studio of a a very well known artist. Serviced by a private well with surface irrigation rights and a small holding pond. At the very end of the road, it is very special.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

7/10
5/10
6/10
Espanola Valley High SchoolGrades 9-1212.8 mi

Construction

Condition

  • Year built: 1979

Materials

  • Roof: Metal,Pitched
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Multi-Level,Northern New Mexico
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Cooktop,Gas Water Heater,Oven,Range,Water Heater,Washer,TanklessWater Heater

Basement

  • Basement: Other,See Remarks

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • 3/4 bathrooms: 1

Features

  • Beamed Ceilings,Interior Steps
  • Flooring: Brick,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Blower Fan,Wood Burning,Wood BurningStove
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Propane,Passive Solar,Space Heater,Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 1,300
  • Total interior livable area: 1,300 sqft

Property

Accessibility

  • Accessibility features: Not ADA Compliant

Details

  • Parcel number: 1061122320260
  • Special condition: Standard

Features

  • Levels: Two,Multi/Split
  • Stories: 2
  • Horses can be raised: Yes
  • Living area range: 1,251-1,500

Lot

  • Lot size: 1.43 Acres

Parking

  • Total spaces: 4
  • Parking features: RV Access/Parking

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Wildfire
    WildfireRelatively High
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Inland Flooding
Wildfire
Landslide
Winter Weather

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 $2,907$34,884
Home Insurance *$1,791$21,492
Property Taxes $105$1,260
Electricity $148$1,780
Total$4,951$59,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$169,748/yr
40% on housing$148,530/yr
45% on housing$132,026/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

$442This listing

vs Other Active Listings

Avg $/sqft

ZIP 87578$226
Rio Arriba County$709

vs Homes Sold Last Month

Median $/sqft

ZIP 87578$52
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
2026-07-01Listed for sale$575,000

For Sale by Agent

AgentVictoria S. Markley
BrokerageSotheby's Int. RE/Grant

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