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Single Family ResidentialResidential
$356,485$115 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

13 RIVER RD

OJO CALIENTE, NM 87549
0
Baths
3,108 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.25 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$356K
$319K low$394K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$172,485
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$137,988
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.43%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$145,600
HOMEWISE INC · recorded Dec 1, 2011
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$38,400
HOMEWISE INC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,569 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$61,604 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$11,920
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$49,684
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$59,810
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$184,811

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.43
94
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
73
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
4
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
44
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.71 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyRio Arriba
Lot (acres)The size of the land the home sits on, from county records.1.25

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
San Juan Elementary SchoolC-
Elementary · Grades KG–6 · 5.7 mi
M
Carlos F. Vigil Middle SchoolC+
Middle · Grades 7–8 · 8.5 mi
H
Espanola Valley High SchoolB
High · Grades 9–12 · 9.5 mi

District: EspaãƒÂ±Ola Municipal Schools

Neighborhood · ZIP 87549These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.65
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.82

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.9.8%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.3,913
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.24 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,826
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$87,275
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.15 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.76%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

13 River Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 65% of homes in Rio Arriba County
  • Costs less per square foot than 89% of homes in Ojo Caliente 87549
  • Bigger than 92% of homes in Rio Arriba County

What homes are worth in Ojo Caliente 87549

Each bar is how many homes fall in that price range. The marker is this home.

This home
$112K$850K

This home is worth more than 56% of homes in Ojo Caliente 87549.

How it measures up in Ojo Caliente 87549

The dot is this home. The mark in the middle is the typical home in Ojo Caliente 87549.

Estimated value$356,485
CheaperTypical $346,837Pricier

Pricier than 56% of homes nearby

Price per ft²$115
CheaperTypical $193Pricier

Pricier than 11% of homes nearby

Living area3,108 ft²
SmallerTypical 1,960 ft²Bigger

Bigger than 89% of homes nearby

Lot size1.25 ac
SmallerTypical 1.3 acBigger

Bigger than 49% of homes nearby

How 13 River Rd ranks against every home in each area.
MeasureThis homeOjo Caliente 87549Rio Arriba County
Estimated valuepricier than$356,48556% of homes65% of homes
Price per ft²pricier than$11511% of homes14% of homes
Living areabigger than3,108 ft²89% of homes92% of homes
Lot sizebigger than1.25 ac49% of homes63% of homes

About 13 River Rd

How much is 13 River Rd, Ojo Caliente, NM worth?

The TopHap Estimate for 13 River Rd, Ojo Caliente, NM is $356,485 as of Jul 14, 2026. The likely range is $319,183 to $393,787. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 13 River Rd, Ojo Caliente, NM last sell?

13 River Rd, Ojo Caliente, NM last sold on Dec 1, 2011, according to the county's recorded deed.

How big is 13 River Rd, Ojo Caliente, NM?

13 River Rd, Ojo Caliente, NM has 3,108 square feet of living space and a 1.25-acre lot.

What schools serve 13 River Rd, Ojo Caliente, NM?

13 River Rd, Ojo Caliente, NM is assigned to San Juan Elementary School (elementary), rated C-; Carlos F. Vigil Middle School (middle), rated C+; Espanola Valley High School (high), rated B. All sit in EspaãƒÂ±Ola Municipal Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 13 River Rd, Ojo Caliente, NM compare to other homes in Ojo Caliente 87549?

Among the 339 homes in Ojo Caliente 87549, it is worth more than 56% of them ($356,485 against a typical $346,837), its price per square foot is higher than 11% of them ($115 against a typical $193), it is bigger than 89% of them (3,108 ft² against a typical 1,960 ft²) and its lot is bigger than 49% of them (1.25 ac against a typical 1.3 ac). Measured against all of Rio Arriba County, it is worth more than 65% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 13 River Rd, Ojo Caliente, NM?

The 2025 property tax bill for 13 River Rd, Ojo Caliente, NM was $1,569. The county assessed it at $61,604.

Closest homes

More homes in Ojo Caliente 87549

Assigned schools

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See this home in context

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