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16923 Us Highway 550, Aztec, NM, 87410

6beds
4baths
2,651sqft
$375,000
$141price/sqft
$2,398/moest. monthly cost
$95,920/yrincome needed

About This Home

''Inca Gold'' ''Inca Gold'' This unique 10.38-acre irrigated property sits on the site of the historic stagecoach stop and rail town of Inca, NM, just 19 minutes from Durango, CO and 13 minutes from Aztec, NM. Whether you're searching for a personal retreat, an income-producing venture, or both, this rare opportunity offers the perfect blend of country living, convenience, and potential. The property includes two homes. The first is a 1977 Schultz 14x66 with a 455-square-foot addition, featuring three bedrooms, two baths, two living areas, a kitchen with a gas stove, a primary suite with en suite bath, and two covered porches for outdoor enjoyment. The second is a 2000 Palm Harbor 16x76 with three bedrooms and two baths, ready for a remodel to make it your own. A detached 1,800-square-foot two-car garage and workshop adds function and character, complete with an 800-square-foot cellar that looks like it was pulled straight from an old Western movie. Additional outbuildings include a spacious metal shed for storage and a greenhouse with propane heaters, offering year-round growing potential. The land is set up for a variety of uses, with irrigation provided through 10-inch piping, pumps, and sprinklers, perfect for farming, gardening, or livestock. A domestic well currently feeds both homes, while propane is provided for free to the west home by the onsite well. Natural gas and community water taps are also available at the property line, offering flexibility for future improvements. There is plenty of space for RV parking, established apricot and peach trees, and endless room for your hobbies, toys, or animals. With its rich history, prime location, and wide-ranging potential, this property is more than just a home, it is an opportunity to create the lifestyle or investment you have been dreaming of. See also MLs# 25-1272.

Getting Around

4
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

3/10
5/10
2/10
Aztec High SchoolGrades 9-129.1 mi

Construction

Condition

  • Year built: 1977

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 4

Heating & Cooling

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

Interior Area

  • Total structure area: 2,651
  • Total interior livable area: 2,651 sqft

Property

Details

  • Parcel number: M0106536
  • Zoning description: None/County

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Covered
  • Fencing: Wire
  • Has view: Yes
  • View description: Valley,Mountain(s)
  • Horses can be raised: Yes

Lot

  • Lot size: 10.38 Acres
  • Features: Natural Landscape,Sprinklers In Front,Sprinklers In Rear

Parking

  • Total spaces: 3
  • Parking features: RV Access/Parking
  • Covered spaces: 3
  • Carport: Yes
  • Carport 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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Cold Wave
Landslide
Wildfire

FEMA Declared Disasters in San Juan 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 $1,896$22,752
Home Insurance *$152$1,824
Property Taxes $162$1,944
Electricity $188$2,261
Total$2,398$28,776
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,217/yr
40% on housing$71,940/yr
45% on housing$63,946/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: 7.0%
7.0%
0%30.0%
Electricity Growth Rate10-year average: 2.0%
2.0%
0%15.0%
Property Taxes Growth Rate2-year average: 2.3%
2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 87410$238
San Juan County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 87410$172
San Juan County$178

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)

No zestimate history available

Price History

DateEventPrice
2026-05-04Price change$389,000
2025-11-01Price change$399,000
2025-09-27Listed for sale$432,000

For Sale by Agent

AgentAllen Elmore
BrokerageEXP Realty, LLC

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