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8819 Desert Finch Ln NE, Albuquerque, NM, 87122

3beds
2baths
1,646sqft
$520,000
$316price/sqft
$3,339/moest. monthly cost
$133,560/yrincome needed

About This Home

Nestled in a desirable private gated community, this beautiful home offers comfort, style, and an unbeatable location just minutes from trails, parks, shopping, and dining. Inside, you'll find a low-maintenance design with no carpet, REFRIGERATED AIR UNIT installed July 2026, raised wood beam ceilings, a cozy gas fireplace, and a stunning kitchen that's perfect for everyday living and entertaining. The spacious primary suite features a walk-in closet and a relaxing garden tub, creating the perfect retreat. Move-in-ready home one you won't want to miss!

Getting Around

66
WalkingSomewhat Walkable
21
TransitMinimal Transit
74
BikeVery Bikeable

Schools

10/10
8/10
7/10
La Cueva High SchoolGrades 9-120.8 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 2006

Materials

  • Roof: Bitumen,Flat
  • Construction materials: Adobe,Stucco

Other

  • Builder name: Tc Builders

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Gas Range,Dryer,Dishwasher,Microwave,Refrigerator,Range Hood,Water Softener Owned,Washer
  • Laundry features: Washer Hookup,Electric Dryer Hookup,Gas Dryer Hookup

Bedrooms & Bathrooms

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

Features

  • Beamed Ceilings,Breakfast Area,Ceiling Fan(s),Dual Sinks,Garden Tub/Roman Tub,High Ceilings,Main Level Primary,Pantry,Skylights,Walk-In Closet(s)
  • Window features: Double Pane Windows,Insulated Windows,Skylight(s)
  • Flooring: Tile
  • Number of fireplaces: 1
  • Fireplace features: Glass Doors,Gas Log
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Combination,Central,Forced Air
  • Cooling features: Refrigerated

Interior Area

  • Total structure area: 1,646
  • Total interior livable area: 1,646 sqft

Kitchen

  • Level: Main
  • Area: 168

Living Room

  • Level: Main
  • Area: 224

Primary Bedroom

  • Level: Main
  • Area: 188.5

Property

Details

  • Parcel number: 102006414710831102
  • Zoning description: R-T*

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Courtyard,Private Yard
  • Fencing: Wall

Lot

  • Lot size: 4,356 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached,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

  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Inland Flooding
Lightning

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 $2,629$31,548
Home Insurance *$194$2,328
Property Taxes $368$4,416
Electricity $148$1,780
Total$3,339$40,068
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$114,480/yr
40% on housing$100,170/yr
45% on housing$89,040/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

$316This listing

vs Other Active Listings

Avg $/sqft

ZIP 87122$327
Bernalillo County$198

vs Homes Sold Last Month

Median $/sqft

ZIP 87122
Bernalillo County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-04Pending sale$520,000
2026-07-31Listed for sale$520,000
2020-07-08Sold--
2020-06-07Pending sale$369,900
2020-05-28Listed for sale$369,900
2020-05-02Pending sale$369,900
2020-04-16Listed for sale$369,900
2018-12-27Sold--
2018-11-26Pending sale$354,900
2018-11-17Price change$354,900
2018-10-27Listed for sale$359,900

For Sale by Agent

AgentGregory Merrill
BrokerageMerrill Realty Ltd.

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