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6549 S Richards Ave, Santa Fe, NM, 87508

3beds
2baths
2,230sqft
$740,000
$332price/sqft
$4,463/moest. monthly cost
$178,520/yrincome needed

About This Home

Beautifully updated single-level Rancho Viejo home located directly across from HOA open space and miles of community walking trails. Built in 2003, this thoughtfully designed 3-bedroom, 2-bath Ristra model offers 2,230 square feet with no interior steps, abundant natural light, refrigerated air conditioning, and in-floor radiant heat. High ceilings with vigas, clerestory windows, slate and wood floors, and a gas-fired kiva fireplace create classic Santa Fe style. The kitchen features granite countertops, an island with breakfast bar seating, and opens to the great room, while a separate sitting room and formal dining room provide flexible living and entertaining spaces. The privately situated primary suite is separated from the guest bedrooms and includes a remodeled bathroom with an oversized walk-in shower, bench seating, and grab bars. Two additional bedrooms and a full guest bath offer flexibility for family, visitors, or a home office. The secluded central patio and enclosed backyard provide inviting outdoor living, while the finished 2-car garage features epoxy flooring. A spacious laundry room includes an oversized washer and dryer, utility sink, and abundant cabinetry. Improvements include a new foam roof (2023), new stucco (2018), many replacement windows (2021), remodeled primary bath, and more. HOA dues include trash and recycling. Rancho Viejo is a Firewise community with approximately 15 miles of walking trails across more than 11,000 acres, nearly half preserved as open space, parks, playgrounds, and RV parking. Southside shopping, dining, and everyday amenities are about 12 minutes away. Santa Fe Community College, less than 2 miles away, offers a state-of-the-art fitness center and lifelong learning opportunities. Don’t miss the property video and 3-D tour!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

6/10
Milagro Middle SchoolGrades 7-84.6 mi
--
Santa Fe EngageGrades 9-123.6 mi

Construction

Condition

  • Year built: 2003

Materials

  • Foundation: Permanent,Slab
  • Roof: Flat,Foam
  • Construction materials: Frame,Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Disposal,Gas Water Heater,Microwave,Oven,Range,Refrigerator,Water Softener,Washer

Bedrooms & Bathrooms

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

Features

  • Beamed Ceilings,No Interior Steps
  • Window features: Insulated Windows
  • Flooring: Carpet,Other,See Remarks,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas,Kiva
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Natural Gas,Radiant Floor
  • Cooling features: Central Air,Refrigerated

Interior Area

  • Total structure area: 2,230
  • Total interior livable area: 2,230 sqft

Property

Accessibility

  • Accessibility features: Not ADA Compliant

Details

  • Parcel number: 910004652
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Living area range: 2,001-2,500

Lot

  • Lot size: 6,969 sqft

Parking

  • Total spaces: 4
  • Parking features: Attached,Direct Access,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Lightning
Wildfire
Winter Weather
Earthquake
Inland Flooding

FEMA Declared Disasters in Santa Fe 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 $3,741$44,892
Home Insurance *$185$2,220
Property Taxes $379$4,548
Electricity $158$1,902
Total$4,463$53,556
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$153,017/yr
40% on housing$133,890/yr
45% on housing$119,013/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: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$332This listing

vs Other Active Listings

Avg $/sqft

ZIP 87508$295
Santa Fe County$366

vs Homes Sold Last Month

Median $/sqft

ZIP 87508$337
Santa Fe County$337

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
2026-08-01Listed for sale$740,000
2015-04-10Sold--
2015-04-08Pending sale$385,000
2015-02-19Listed for sale$385,000
2008-11-23Listing removed$385,000
2008-10-25Listed for sale$385,000
2005-01-24Sold--

For Sale by Agent

AgentAdrienne DeGuere
BrokerageSotheby's Int. RE/Washington

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