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105 Moya Rd, Santa Fe, NM, 87508

3beds
3baths
2,112sqft
$699,000
$331price/sqft
$4,319/moest. monthly cost
$172,760/yrincome needed

About This Home

Experience this beautiful home located in Eldorardo. Enter through the front gate into a beautiful, enclosed courtyard with a charming fountain and covered portal—creating a warm and inviting first impression. Inside, a bright foyer with expansive windows (and enhanced by passive solar design) welcomes you. The den features sliding glass doors that open to an enclosed backyard with a covered patio—perfect for relaxing or entertaining. A greenhouse adds a special touch for plant lovers, and nearby trail access makes this home ideal for outdoor enthusiasts. Located in the desirable Eldorado community just minutes from Santa Fe, this well-maintained home sits on approximately 1.06 acres and offers ~2,112 sq ft of living space with 3 bedrooms plus an office or flex room. The two-story layout is perfect for everyday living and entertaining, featuring a living room with a cozy wood stove, a separate den/family room with a gas stove, and a formal dining room. The eat-in kitchen with a breakfast nook is filled with natural light. Fresh paint and updated bathrooms add a modern touch, while thoughtful upgrades reflect pride of ownership. Upstairs, enjoy access to multiple balconies with mountain views—ideal for taking in New Mexico’s stunning skies. The enclosed front courtyard provides a peaceful retreat, while the spacious backyard offers room for entertaining, gardening, or unwinding under the stars. Eldorado offers a vibrant lifestyle with amenities including athletic fields, tennis, pickleball, basketball courts, a pool, community center, trails, dog park, playground, stables, and more. Nearby shopping, dining, and services add convenience, with downtown Santa Fe just a short 15-minute drive away.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

9/10
--
Santa Fe EngageGrades 9-128.4 mi

Construction

Condition

  • Year built: 1992

Materials

  • Roof: Bitumen,Flat
  • Construction materials: Frame,Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Gas Cooktop,Microwave,Oven,Range,Refrigerator,Water Softener,Water Purifier,Washer

Bedrooms & Bathrooms

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

Features

  • Interior Steps
  • Flooring: Carpet,Other,See Remarks,Tile,Wood
  • Number of fireplaces: 2
  • Fireplace features: Gas,Wood Burning Stove
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Baseboard,Electric,Natural Gas,Passive Solar,Stove,Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 2,112
  • Total interior livable area: 2,112 sqft

Property

Accessibility

  • Accessibility features: Not ADA Compliant

Details

  • Parcel number: 124624573
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Association
  • Living area range: 2,001-2,500

Lot

  • Lot size: 1.06 Acres

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
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Lightning
Wildfire
Winter Weather
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 $3,534$42,408
Home Insurance *$175$2,100
Property Taxes $460$5,520
Electricity $150$1,801
Total$4,319$51,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$148,080/yr
40% on housing$129,570/yr
45% on housing$115,173/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

$331This 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
2026-05-04Price change$699,000
2026-03-27Listed for sale$714,000
2021-11-29Sold--
2021-10-14Pending sale$539,000
2021-10-09Price change$539,000
2021-10-03Listed for sale$555,000
2018-01-04Sold--
2017-09-30Listed for sale$389,000
2015-07-15Sold--
2015-04-14Price change$350,000
2015-02-25Listed for sale$375,000

For Sale by Agent

AgentMelanie Sandoval
BrokerageSotheby's Int. RE/Washington

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