Adobe / Pueblo / Southwestern home in Albuquerque, NM
This 1,796-square-foot Adobe home in Albuquerque, NM includes 4 bedrooms and 2 bathrooms. Its Adobe character defines the property's look.
| Price | $399,000 |
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| Beds | 4 |
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| Baths | 2 |
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| Sqft | 1796 |
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| Architectural style | Adobe / Pueblo / Southwestern (97% match) |
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| Address | 8901 Cottonwood Rd NE, Albuquerque, NM 87111 |
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Why buy this home
- Confirmed Adobe / Pueblo / Southwestern architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Zillow.
Is this a good buy?
Priced a little above the area.
- At $399K, this home is 5% above the $380K median for 2065 similar Adobe / Pueblo / Southwestern homes in Albuquerque, NM.
- That works out to $222 per square foot, 3% below the $228 comparable rate.
- On the market 101 days, which is a long time; sellers are often flexible at this point.
| This home | $399,000 |
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| Adobe / Pueblo / Southwestern median in Albuquerque, NM | $380,000 (2065 homes) |
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| Price per sq ft | $222 vs. $228 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $2,600/month with 20% down at a 7.28% 30-year fixed rate. You would need about $111,413 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $2,184/mo |
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| Property tax (new-buyer reassessed rate) | $266/mo |
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| Homeowners insurance | $150/mo |
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| Total monthly | $2,600/mo |
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| Down payment (20%) | $79,800 |
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| Income needed | $111,413/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home C (56 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | C (56/100) |
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| Beats renting in | 8% of modeled paths |
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| Modeled 5-yr equity (median) | $166,425 |
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| Range (10th to 90th pct) | $94,308 to $256,502 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Albuquerque, NM where local data is thin.
Local home values
Typical home values in Albuquerque, NM have risen about 29% over the past 5 years (+2% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Zillow