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11 McNeil St, Ramah, NM, 87321

3beds
1baths
1,554sqft
$249,900
$161price/sqft
$1,596/moest. monthly cost
$63,840/yrincome needed

About This Home

Cute Vintage Country Style Home on a corner 1 Acre Lot nestle in Ramah, NM. The home is 3 br 1 bath. spacey eat in kitchen with dishwasher and refrigerator. Roomy living room with a wood burning fire place. Lamiinte flooring in hallway and living area. Tile flooring in kitchen and wood flooring in bedrooms. New Water Heater. Storage has potential to be Guest Quarters or a workshop. the 1 acre property is fenced all the way around. Walking distance to Ramah Lake. McGaffey Lake is 30mins on forest rd157. 15mins to El Morro National Monument. Gallup or Grants is 1 hr away. Make your appointment today.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

3/10
Ramah Elementary SchoolGrades PK-50.2 mi
7/10
Ramah High SchoolGrades 6-121.0 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1950

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dryer,Dishwasher,Microwave,Refrigerator,Water Softener Owned,Washer
  • Laundry features: Electric Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Ceiling Fan(s),Country Kitchen,Main Level Primary,Pantry
  • Window features: Double Pane Windows,Insulated Windows
  • Flooring: Laminate,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Propane,Wall Furnace
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,554
  • Total interior livable area: 1,554 sqft

Kitchen

  • Level: Main
  • Area: 192

Living Room

  • Level: Main
  • Area: 192

Primary Bedroom

  • Level: Main
  • Area: 120

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2092061292125
  • Zoning: Out of MLS Area
  • Zoning description: R-1

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Courtyard,Private Entrance,Water Feature,Propane Tank - Owned
  • Fencing: Back Yard,Full

Lot

  • Lot size: 1 sqft
  • Features: Corner Lot,Landscaped

Parking

  • 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

  • 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 $1,263$15,156
Home Insurance *$113$1,356
Property Taxes $72$864
Electricity $148$1,780
Total$1,596$19,152
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$54,720/yr
40% on housing$47,880/yr
45% on housing$42,560/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

$161This listing

vs Other Active Listings

Avg $/sqft

ZIP 87321$486
McKinley County$118

vs Homes Sold Last Month

Median $/sqft

ZIP 87321$114
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
2026-07-09Listed for sale$249,900

For Sale by Agent

AgentKevin Long
BrokerageNew Vision Real Estate Group

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