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4904 Rio St, Farmington, NM, 87402

5beds
3baths
3,952sqft
$534,000
$135price/sqft
$4,262/moest. monthly cost
$170,480/yrincome needed

About This Home

This home has it ALL. From the moment you walk in, the spacious open-concept layout makes it clear this house was built for real life and real gatherings. Five bedrooms + 2 flex rooms 1 with a walk in closet and three full bathrooms give everyone room to spread out, and the main-level master is a true retreat with a stunning contemporary ensuite you won't want to leave. But the showstopper? That full walkout basement -- designed to entertain. Wet bar, game room, a private bedroom and full bath, plus two flex rooms ready to become whatever you need: home gym, office, playroom, you name it. Slide open the barn doors and you'll find a dedicated media room with direct access to one of the covered patios. Movie night just got an upgrade. Step outside and the backyard is its own getaway. Cool off in the large in-ground pool during those hot summer days, unwind in the hot tub year-round, and enjoy the pergola with artificial grass that keeps everything looking sharp and low-maintenance in every season. Space to live, room to grow, and every detail set up for making memories. Homes like this don't come along often in Farmington -- come see it before it's gone.

Getting Around

31
WalkingCar-Dependent
19
TransitMinimal Transit
22
BikeSomewhat Bikeable

Schools

6/10
5/10
Heights Middle SchoolGrades 6-80.7 mi
7/10
Piedra Vista High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 2004

Type & Style

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

Interior

Appliances

  • Appliances included: Microwave,Range Hood
  • Laundry features: Mud Room

Basement

  • Has basement: Yes

Bedroom2

  • Level: Main
  • Area: 140
  • Dimensions: 10 x 14

Bedroom3

  • Level: Main
  • Area: 104.34
  • Dimensions: 9.4 x 11.1

Bedroom4

  • Level: Main
  • Area: 109.89
  • Dimensions: 9.9 x 11.1

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: Main
  • Area: 120
  • Dimensions: 10 x 12

Features

  • Kitchen Island
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating

  • Heating features: Natural Gas

Interior Area

  • Total structure area: 3,952
  • Total interior livable area: 3,952 sqft

Kitchen

  • Level: Main
  • Area: 256
  • Dimensions: 16 x 16

Living Room

  • Level: Main
  • Area: 171
  • Dimensions: 10 x 17.1

Master Bedroom

  • Level: Main
  • Area: 375
  • Dimensions: 25 x 15

Other

  • Level: Lower
  • Area: 110.88
  • Dimensions: 9.9 x 11.2

Other

  • Level: Lower
  • Area: 142.68
  • Dimensions: 11.6 x 12.3

Other

  • Level: Lower
  • Area: 190.08
  • Dimensions: 13.2 x 14.4

Other

  • Level: Lower
  • Area: 500
  • Dimensions: 20 x 25

Property

Details

  • Parcel number: 2073174383368
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Pool features: In Ground
  • Patio & porch: Patio
  • Has spa: Yes
  • Fencing: Block,Back

Lot

  • Lot size: 10,018 sqft

Parking

  • Parking features: Garage - Attached

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
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Inland Flooding
Winter Weather

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 $2,700$32,400
Home Insurance *$227$2,724
Property Taxes $1,055$12,660
Electricity $280$3,371
Total$4,262$51,144
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$146,125/yr
40% on housing$127,860/yr
45% on housing$113,653/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: 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

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 87402$168
San Juan County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 87402$170
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
2026-08-07Pending sale$534,000
2026-08-03Listed for sale$534,000
2025-12-23Listing removed$549,000
2025-10-04Listed for sale$549,000
2025-09-25Pending sale$549,000
2025-08-01Listed for sale$549,000
2025-08-01Pending sale$549,000
2025-07-15Price change$549,000
2025-07-08Listed for sale$565,000
2022-08-19Listing removed--
2022-06-28Price change$505,000
2022-06-24Price change$521,000
2022-05-24Listed for sale$526,000
2020-09-24Listing removed$435,000
2020-09-17Listed for sale$435,000
2018-12-14Sold--
2018-10-05Price change$399,900
2018-09-26Listed for sale$409,900
2009-09-07Listing removed$424,900
2009-05-01Price change$424,900
2008-06-25Listed for sale$439,000

For Sale by Agent

AgentKimberly A Prado
BrokerageEXP Realty, LLC

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