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9905 Cardinal St NW, Albuquerque, NM, 87114

4beds
3baths
3,057sqft
$589,000
$193price/sqft
$3,737/moest. monthly cost
$149,480/yrincome needed

About This Home

Discover this spacious 4-bedroom home NW Albuquerque, conveniently close to schools, shopping, and dining. This home features large living spaces filled with natural light and high ceilings that create an open, airy atmosphere. The kitchen is a standout, offering an island, plenty of cabinets, and generous counter space. The oversized primary suite provides a relaxing retreat, complete with a large bathroom featuring a separate soaking tub and shower. The backyard has a combination patio and grassy area, play area and storage shed. Updates include: Living Room addition-2021, New Stucco-2023, New Water Heater-2025, New TPO Roof 2021-24, New HVAC-2018-19, New Carpet 2021-23, New Paint-2026

Getting Around

28
WalkingCar-Dependent
26
TransitSome Transit
38
BikeSomewhat Bikeable

Schools

8/10
7/10
3/10
Cibola High SchoolGrades 9-121.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2005

Materials

  • Roof: Flat

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Refrigerator
  • Laundry features: Electric Dryer Hookup

Bedrooms & Bathrooms

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

Family Room

  • Level: Main
  • Area: 430.08

Features

  • Breakfast Area,Ceiling Fan(s),Dual Sinks,Kitchen Island,Multiple Living Areas,Walk-In Closet(s)
  • Window features: Double Pane Windows,Insulated Windows
  • Flooring: Carpet,Tile
  • Number of fireplaces: 2
  • Fireplace: Yes

Heating

  • Heating features: Central,Multiple Heating Units

Interior Area

  • Total structure area: 3,057
  • Total interior livable area: 3,057 sqft

Kitchen

  • Level: Main
  • Area: 182.02

Living Room

  • Level: Main
  • Area: 245.85

Primary Bedroom

  • Level: Upper
  • Area: 293.88

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 101306500110130903
  • Zoning description: R-1B*

Features

  • Levels: Two
  • Stories: 2
  • Exterior features: Courtyard,Private Yard
  • Fencing: Wall

Lot

  • Lot size: 6,969 sqft

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage,Oversized
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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 $2,978$35,736
Home Insurance *$125$1,500
Property Taxes $417$5,004
Electricity $217$2,608
Total$3,737$44,844
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,125/yr
40% on housing$112,110/yr
45% on housing$99,653/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

$193This listing

vs Other Active Listings

Avg $/sqft

ZIP 87114$190
Bernalillo County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 87114
Bernalillo County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-24Price change$599,000
2026-04-01Listed for sale$615,000
2016-09-14Sold--
2016-07-26Listed for sale$290,000
2016-03-11Sold--
2005-06-16Sold--
2001-01-04Sold--

For Sale by Agent

AgentKathleen Atkin
BrokerageRealty One of New Mexico

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