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12 Horn Toad, Chama, NM 87520

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For Sale

$565,000

2 beds • 2 baths • 1 half baths • 2,260 sqft

Estimated Payment

$ 2,902 /mo. †

6.65% APR for 30 yrs.
$0 in taxes
Change Loan Terms

  • Single Family Detached
    Property type

  • Newly Listed
    Time on Century 21

  • $250.00
    Price per square foot

  • 11-20 Years Old
    Age

Explore this Property

Custom Mountain Retreat on 10 Acres in Chama West Subdivision: Discover this exceptional custom-built mountain home nestled on 10 pristine acres in the coveted Chama West Subdivision of Northern New Mexico. Featuring 2-3 bedrooms and 3 bathrooms, this property showcases superior construction with Structural Insulated Foam Panel (SIPS) technology, ensuring maximum energy efficiency and durability in all seasons. The bright, open floorplan capitalizes on breathtaking mountain vistas through premium Andersen insulated windows and patio doors. Soaring ceilings and abundant natural light complement the exquisite custom cabinetry and fine woodwork throughout. Enjoy cozy evenings by the wood-burning fireplace or relax in the master suite's jetted bathtub with panoramic views. This versatile home offers flexible spaces including a potential studio, office area, spacious walk-in pantry, and dedicated laundry room. The oversized 3-car garage provides ample space for vehicles plus a workshop area. RV enthusiasts will appreciate the special hookups for extended adventures. Perfect for horse lovers, the gently sloping terrain offers ideal riding conditions across your private acreage. Premium features include heated floors, gas cooking, and exceptional storage throughout the property. Located in premier horse country near the Humphries and Sargent Wilderness Areas, this property provides unparalleled access to outdoor recreation including fishing on the renowned Chama and Brazos Rivers. Share your land with abundant wildlife including elk, deer, and wild turkey. Whether as your primary residence or mountain getaway, this meticulously crafted home delivers the authentic Northern New Mexico lifestyle surrounded by unforgettable natural beauty. Tractor may be purchased on a separate bill of sale with the purchase of the property. See video link for interactive map.
MLS# 202501080

Courtesy Of United Country N New Mexico RE

(575) 756-2196

Property Features

  • Age
    11-20 Years Old
  • Appliances
    Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • Architecture Style
    Other
  • Cooling System
    None
  • Fireplace
    Fireplace
  • Heating System
    Fireplace, Radiant
  • Lot Size
    10 Acres
  • Roof Type
    Metal

Map and Directions

Directions to 12 Horn Toad, Chama, NM 87520

Home seller CENTURY 21 Dunagan Associates

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Dunagan Associates

(575) 234-1516
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $2,902
  • Property Taxes
    $0
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $2,902

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Chama Elementary School

Grades PK-5 Public School

Chama, NM 87520 6.1 miles
182 pine ave

87 total students
10:1 Student teacher ratio

School Rating: C+

School Details

Chama Middle School

Grades 6-8 Public School

Chama, NM 87520 6.1 miles
181 pine ave

37 total students
23:1 Student teacher ratio

School Rating: C+

School Details

Escalante Middle/high School

Grades 7-12 Public School

Tierra Amarilla, NM 87575 12.2 miles
Stateroute 531 1158

153 total students
13:1 Student teacher ratio

School Rating: C-

School Details

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Chama, NM 87520

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Chama, NM 87520

This community’s employment is highest in the food and administrative support industries. The area’s overall household expenses are above the national average.

81° July
Hottest Average Month
5° January
Coldest Average Month
380 Total Households in Area
1.4% Increase in population since the year 2010
21.7%
of households
have children
16 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Chama, NM 87520

Chama, NM 87520 has a population of 850 people in 380 households with a median age of 48.9 years old.

1.4%
Increase in population
since the year 2010
Population is Trending up
365
Total households as of 2010
3.1%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 48.9 years old. The smallest percentage group is 55-64 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

Hispanic 62%
White 45%
Other 12%
Native American 6%
Black 1%
Asian <1%
The most prevalent ethnicity is Hispanic at 62%, followed by White at 45%, Other at 12%, and Native American at 6%.

Economics
for Chama, NM 87520

5 /sq mi
Population Density
$48,003 /yr
Median Household Income
$212,425
Median Sales Price
16 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is $50-74,999k representing 25.85% of the households.

Transportation to Work

  • Drive 85%
  • Work from Home 8%
  • Walk or Bike 6%
  • Public Transit 0%

Occupancy by Type

Owned 313 54%
Vacant 197 34%
Rented 66 11%

White vs Blue Collar Jobs







White Collar 77%
Blue Collar 23%

Family & Education Facts
for Chama, NM 87520

48.9 Median Age

Average Household Size

2.2
persons per
household

46.1%

Married Households

Community Population By Education

High School Graduate 38%
Some College 25%
Some High School 19%
Graduate Degree 9%
Bachelors Degree 7%
Associates Degree 1%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 37.8% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
21.7% of households have children

Weather
for Chama, NM 87520

The weather for this area ranges from a high of 81° F in July to a low of 5° F in January

81° July
Hottest Average Month
5° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
5°
37°
Feb
10°
41°
Mar
17°
47°
Apr
25°
57°
May
32°
66°
Jun
39°
76°
Jul
46°
81°
Aug
45°
78°
Sep
38°
72°
Oct
28°
61°
Nov
17°
48°
Dec
8°
39°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 Santa Fe Association of REALTORS&#174;, Inc. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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