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3709 Chaco Dr, Gallup, NM, 87301

3beds
2baths
1,617sqft
$325,000
$201price/sqft
$2,069/moest. monthly cost
$82,760/yrincome needed

About This Home

Updated Gallup Home with Hardwood Floors, Beautiful Backyard & Garden Space Welcome to a charming and thoughtfully updated Gallup home with space to entertain, relax, garden, and enjoy the outdoors. This well-maintained 1989 home combines classic character-including real hardwood floors and a gas fireplace-with numerous recent updates, making it an excellent choice for a small family or anyone looking for a comfortable home in a quiet, friendly neighborhood. The spacious living and dining areas provide plenty of room for gatherings, family dinners, and entertaining. Real hardwood floors, fresh paint throughout, and updated light fixtures give the interior a warm, refreshed feel. The renovated bathroom features attractive tile accents. The gas fireplace has been freshly painted and can be set up for use, creating a cozy focal point for the living area. Major Recent Updates Numerous updates provide added comfort and peace of mind for the next owner: New 96% high-efficiency furnace - January 2026 New refrigerator - January 2026 Gas range and dishwasher - 2019 Water heater - 2021 Roof replaced - 2015 Fresh interior paint throughout Updated light fixtures Renovated bathroom with tile accents Enjoy the Backyard The landscaped backyard is one of the home's standout features, offering a great space for outdoor living and entertaining. The partially covered area is ideal for outdoor meals, gatherings, morning coffee, or relaxing with family and friends. For gardeners, the property offers two large gardening areas with plenty of room for vegetables, flowers, herbs, and seasonal planting. The garden spaces are particularly well suited for taking advantage of Gallup's growing season. A large garden shed provides convenient storage for gardening tools, outdoor equipment, and household items. Security & Outdoor Features The property includes several thoughtful security and convenience features: Ring doorbell Light and camera system overlooking the driveway Multiple motion-activated lights around the home Large garden/storage shed Landscaped backyard Partially covered outdoor entertaining area Location Enjoy a peaceful neighborhood setting near Indian Hills Elementary School and the scenic Gallup hogbacks. The home is close to numerous hiking trails and outdoor recreation opportunities, while the neighborhood provides a quiet, welcoming, and friendly environment. Why You'll Love This Home 1. Move-in ready with important updates A new high-efficiency furnace and refrigerator were installed in January 2026, along with other significant updates over the past several years. 2. Beautiful hardwood floors and refreshed interior Real hardwood floors, fresh paint, updated lighting, and a renovated bathroom give the home a warm and inviting feel. 3. An entertainer's backyard The landscaped backyard and partially covered outdoor area provide an excellent setting for family gatherings, barbecues, or relaxing outdoors. 4. Room to garden Two large gardening areas offer plenty of space to grow vegetables, flowers, herbs, and other seasonal plants. 5. Great storage The large garden shed provides valuable additional storage for tools, gardening equipment, outdoor furniture, and household items. 6. Peaceful location near nature Enjoy convenient access to Indian Hills Elementary, the Gallup hogbacks, and nearby hiking trails while living in a quiet and friendly neighborhood. 7. Thoughtful security features Ring doorbell, driveway camera and lighting, and multiple motion-activated exterior lights provide added convenience and security. A comfortable home with character, meaningful updates, and a beautiful outdoor living space-ready for its next owner to enjoy.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

7/10
4/10
3/10
Miyamura High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1989

Materials

  • Roof: Pitched
  • Construction materials: Frame,Stucco

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Tile
  • Fireplace features: Gas Starter

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Evaporative Cooling,Window Unit(s)

Interior Area

  • Total structure area: 1,617
  • Total interior livable area: 1,617 sqft

Property

Details

  • Parcel number: 2102088076050
  • Exclusions: Storage Shed(s)

Features

  • Exterior features: Sidewalk,Curb & Gutter
  • Fencing: Wood Fence
  • Topography of land: Wood Fence

Lot

  • Lot size: 0.25 Acres

Parking

  • Total spaces: 2
  • Parking features: 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

  • 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 $1,643$19,716
Home Insurance *$184$2,208
Property Taxes $94$1,128
Electricity $148$1,780
Total$2,069$24,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$70,937/yr
40% on housing$62,070/yr
45% on housing$55,173/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: 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

$201This listing

vs Other Active Listings

Avg $/sqft

ZIP 87301$119
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
2026-07-30Listed for sale$325,000

For Sale by Agent

AgentValentine Olson
BrokerageCedar & Ivy Real Estate, LLC

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