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522 Montano Rd NW, Albuquerque, NM, 87107

2beds
1baths
790sqft
$220,000
$278price/sqft
$1,556/moest. monthly cost
$62,240/yrincome needed

About This Home

Endless Possibilities! Unique property located in the heart of the Near North Valley! MX-T zoning that allows for use as a single family residence, a commercial space or a live-work opportunity. Located just 1 mile from the Rio Grande Community Farm, easy access to many acequia walking trails, grocery stores and great restaurants! Convenient westside access and I-25 access to make your commute easier! Live/Work in the heart of the North Valley and enjoy all ABQ has to offer! Property is being marketed in as-is condition.

Getting Around

67
WalkingSomewhat Walkable
29
TransitSome Transit
69
BikeBikeable

Schools

4/10
Taft Middle SchoolGrades 6-81.2 mi
4/10
Valley High SchoolGrades 9-121.4 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1920

Materials

  • Foundation: None
  • Roof: Flat
  • Construction materials: Frame,See Remarks

Type & Style

  • Home type: SingleFamily
  • Architectural style: Pueblo
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Free-Standing Gas Range,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Main Level Primary
  • Window features: Vinyl
  • Flooring: Tile,Vinyl

Heating & Cooling

  • Heating features: Wall Furnace
  • Cooling features: Evaporative Cooling

Interior Area

  • Total structure area: 790
  • Total interior livable area: 790 sqft

Kitchen

  • Level: Main
  • Area: 143

Living Room

  • Level: Main
  • Area: 121

Primary Bedroom

  • Level: Main
  • Area: 144

Property

Details

  • Parcel number: 00000000000000000
  • Zoning description: MX-T*

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Private Yard

Lot

  • Lot size: 5,227 sqft

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

  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Earthquake
Hail
Inland Flooding
Lightning
Winter Weather

FEMA Declared Disasters in Bernalillo 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 $1,112$13,344
Home Insurance *$141$1,692
Property Taxes $155$1,860
Electricity $148$1,780
Total$1,556$18,672
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,348/yr
40% on housing$46,680/yr
45% on housing$41,493/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.2%
0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$278This listing

vs Other Active Listings

Avg $/sqft

ZIP 87107$250
Bernalillo County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 87107
Bernalillo County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-04Pending sale$220,000
2026-07-29Listed for sale$220,000

For Sale by Agent

AgentKatherine Carpenter
BrokerageMaddox & Co/REALTORS

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