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Single Family ResidentialResidential
$485,361$674 / 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

3 BEAR RUN

CHAMA, NM 87520
0
Baths
720 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.
10 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$485K
$437K low$534K 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.$137,161
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$109,729
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.74%
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.$318,200
GENEVA FINANCIAL LLC · recorded Oct 28, 2022
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.$30,000
SUNWARD FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,964 (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.$112,065 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$44,213
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$67,852
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$108,801
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$336,195

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.35
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
67
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
37
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.
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.minimal

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.10.00

Transaction History(2)

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
Chama Elementary SchoolD-
Elementary · Grades PK–5 · 5.4 mi
M
Escalante Middle/High SchoolB-
Middle · Grades 7–12 · 12.6 mi

District: Chama Valley Independent Schools

Neighborhood · ZIP 87520These 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.153
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 100.81

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.66%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.12%
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.0.8%
PopulationHow many people live in this area.812
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$49,881
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$63,582
Average tempThe average temperature here across a full year.42°F
Annual precipHow much rain and melted snow falls here in a typical year.22 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.76%

Ownership

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

3 Bear Run 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 90% of homes in Chama 87520
  • Among the highest price per square foot in Rio Arriba County
  • Smaller than 89% of homes in Rio Arriba County
  • Has a bigger lot than 92% of homes in Rio Arriba County

What homes are worth in Chama 87520

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

This home
$76K$859K

This home is worth more than 90% of homes in Chama 87520.

How it measures up in Chama 87520

The dot is this home. The mark in the middle is the typical home in Chama 87520.

Estimated value$485,361
CheaperTypical $209,424Pricier

Pricier than 90% of homes nearby

Price per ft²$674
CheaperTypical $152Pricier

Pricier than 98% of homes nearby

Living area720 ft²
SmallerTypical 1,368 ft²Bigger

Bigger than 15% of homes nearby

Lot size10 ac
SmallerTypical 1.13 acBigger

Bigger than 90% of homes nearby

How 3 Bear Run ranks against every home in each area.
MeasureThis homeChama 87520Rio Arriba County
Estimated valuepricier than$485,36190% of homes86% of homes
Price per ft²pricier than$67498% of homesalmost all homes
Living areabigger than720 ft²15% of homes11% of homes
Lot sizebigger than10 ac90% of homes92% of homes

About 3 Bear Run

How much is 3 Bear Run, Chama, NM worth?

The TopHap Estimate for 3 Bear Run, Chama, NM is $485,361 as of Jul 14, 2026. The likely range is $436,913 to $533,809. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3 Bear Run, Chama, NM last sell?

3 Bear Run, Chama, NM last sold on Oct 28, 2022, according to the county's recorded deed.

How big is 3 Bear Run, Chama, NM?

3 Bear Run, Chama, NM has 720 square feet of living space and a 10.00-acre lot.

What schools serve 3 Bear Run, Chama, NM?

3 Bear Run, Chama, NM is assigned to Chama Elementary School (elementary), rated D-; Escalante Middle/High School (middle), rated B-. All sit in Chama Valley Independent Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3 Bear Run, Chama, NM compare to other homes in Chama 87520?

Among the 1,584 homes in Chama 87520, it is worth more than 90% of them ($485,361 against a typical $209,424), its price per square foot is higher than 98% of them ($674 against a typical $152), it is bigger than 15% of them (720 ft² against a typical 1,368 ft²) and its lot is bigger than 90% of them (10 ac against a typical 1.13 ac). Measured against all of Rio Arriba County, it is worth more than 86% 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 3 Bear Run, Chama, NM?

The 2025 property tax bill for 3 Bear Run, Chama, NM was $2,964. The county assessed it at $112,065.

Closest homes

More homes in Chama 87520

Assigned schools

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