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210 Elizabeth St, Gallup, NM, 87301

4beds
3baths
1,596sqft
$199,000
$125price/sqft
$1,324/moest. monthly cost
$52,960/yrincome needed

About This Home

Welcome Home to Indian Hills! Discover comfort and charm in this beautifully 4-bedroom, 3-bathroom home with a versatile bonus room — perfect for a home office, playroom, or guest space. Located in the highly desired Indian Hills neighborhood, this home has been thoughtfully updated throughout. Each bathroom offering a fresh and modern touch ready for relaxation and everyday comfort. Enjoy peace of mind with features like refrigerated air conditioning and a durable propanel roof. The open and inviting layout provides plenty of space for family and friends, while the native landscaping keeps maintenance simple and natural. A storage shed offers extra space for your tools, gear, or hobbies. Whether you’re just starting out, growing, or looking for a comfortable place to settle in, this home is ready for you. Call your Realtor today to schedule your private showing!

Getting Around

28
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

7/10
4/10
3/10
Miyamura High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1963

Materials

  • Roof: Propanel
  • Construction materials: Concrete,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Free-Standing Range

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Attic
  • Flooring: Tile
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Natural Gas,Wood Stove
  • Cooling features: Refrigerated

Interior Area

  • Total structure area: 1,596
  • Total interior livable area: 1,596 sqft

Property

Details

  • Parcel number: 2102088241155

Features

  • Exterior features: Rain Gutters
  • Fencing: Back Yard,Front Yard,Fenced

Parking

  • Parking features: No Garage

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Cold Wave

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 $1,006$12,072
Home Insurance *$112$1,344
Property Taxes $58$696
Electricity $148$1,780
Total$1,324$15,888
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$45,394/yr
40% on housing$39,720/yr
45% on housing$35,306/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

$125This listing

vs Other Active Listings

Avg $/sqft

ZIP 87301$120
McKinley County$118

vs Homes Sold Last Month

Median $/sqft

ZIP 87301$133
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
2026-03-31Price change$209,000
2026-03-25Price change$220,000
2026-02-11Price change$225,000
2025-12-02Price change$234,900
2025-11-04Listed for sale$247,814
2021-09-22Sold--
2021-07-07Price change$189,000
2021-06-25Price change$205,000
2021-06-08Listed for sale$220,000

For Sale by Agent

AgentGeoffrey Bia
BrokerageExp Realty, LLC

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