3.5% down
≈ $2,730/mo
≈ $23,725 upfront
1,405 m² (0.35 acres) in Collores, Humacao
$365,000
5 bed0.35 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $2,169/mo
≈ $83,950 upfront
Cash
≈ $304/mo
≈ $375,950 upfront
Adjust the math 6.6% · 30 years
Monthly estimates include principal and interest, a property-tax allowance, a homeowners-insurance allowance, and mortgage insurance for the 3.5% scenario. Cash includes tax and insurance only. HOA, maintenance, utilities, and tax effects are not included.
The 6.6% starting rate rounds Freddie Mac’s 6.58% average 30-year rate on July 23, 2026. The 3% closing-cost placeholder is within the CFPB’s typical 2%–5% range. Tax, insurance, and mortgage-insurance figures are adjustable planning allowances—not quotes.
Estimate only. Loan eligibility, appraisal, lender reserves, seller credits, and program limits are not checked.
14 min Miramar76 min Disc golf59 min SJU
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5-bedroom home worth a closer look.
Listing detailsPrice, facts & description
| Location | Collores, Humacao |
|---|---|
| Asking price | $365,000 |
| Property | (4 main + 1 secondary unit), immaculate condition, ready to occupy. |
| Land | 0.35 acres |
| Bedrooms | 5 |
| Property type | Single Family Residence |
| Photos | 16 reported by Clasificados · 16 available here |
Description from Clasificados
Source title: 1,405 m² en Collores, Humacao
A residence built on a spacious 1,405-square-meter (0.35-acre) lot comprising two dwelling units. Main floor: a four-bedroom, two-bathroom residence with living room, kitchen, dining room, large family room, double carport, laundry with half bath, and terrace with half bath. Sub-level: a separate dwelling unit with kitchenette, bedroom, bathroom, and terrace. The entire perimeter is enclosed by a concrete fence. Amenities include a solar water heater, water reserve tank, transfer switch, security windows, and additional features. Located in Puerto Rico.
Residencia construida en un amplio solar de 1,405 metros cuadrados que consta de dos unidades de vivienda. Planta principal: Residencia de cuatro (4) habitaciones, dos (2) baños, sala, cocina, comedor, amplio family, marquesina doble, laundry con medio (1/2) baño y terraza con medio (1/2) baño. Subnivel: una unidad de vivienda con área de cocina, dormitorio, baño y terraza. Verja en concreto en todo el perímetro. Calentador solar, tanque de reserva de agua, transfer switch, ventanas de seguridad y más. Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Collores, Humacao, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 199 ft elevation 🌊 FEMA Zone X — minimal flood
Barrio-level pin (listings give barrio + municipio, not the exact lot) — verify the parcel location. Elevation: USGS. Flood zone: FEMA NFHL.
Drive times
| Miramar Bar | 14 min | 7.5 mi |
|---|---|---|
| Playa Lucía Disc Golf | 17 min | 12.3 mi |
| Albergue Olímpico Disc Golf | 76 min | 45.6 mi |
| SJU Airport | 59 min | 33.7 mi |
| Costco (Caguas) | 30 min | 18.2 mi |
CRIM & due diligenceParcel record & questions to verify
🏛️ CRIM property record
No parcel number is safely matched yet. The button opens the official map at the best listing location; confirm the parcel boundary before using its record.
🏛️ Open CRIM map near this property Paste an MLS address or CRIM number
A barrio or municipio pin is not precise enough to assign a CRIM record automatically.
Buildability
Already fully developed with two residential structures; no capacity for new single-family build. Zoning and local regs would require verification, but the lot is occupied and improved.
Questions to verify
- Confirm parcel boundaries and title match the 0.35-acre listing claim via CRIM cadastre.
- Verify zoning and legal status of the two-unit configuration; confirm secondary unit is legally permitted or document any licensing/tax implications.
- Inspect structural integrity and foundation of sub-level unit; water intrusion risk in below-grade spaces.
- Review utility costs and capacity (water reserve tank, solar heater, transfer switch) for dual-occupancy use.
- Confirm no planned development, rezoning, or infrastructure projects affecting the neighborhood.
- Walk the property to assess actual privacy, noise, and surrounding commercial or industrial activity not visible in photos.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–3 show a low-slung, single-story modern home on flat to very gently sloping land with manicured grass and brick/paver driveway; no elevation, no views, no water features visible. Interior shots (4–16) reveal a two-unit layout: main level with wood cabinetry kitchen, open living/dining areas with decorative tile flooring, and a below-grade secondary unit accessed by stairs. Home appears clean, well-maintained, and move-in ready with good natural light. Surroundings are residential suburban, no vegetation beyond lawn, no fruit trees, no rainforest, no ocean or river visible. Concrete perimeter fence confirms the enclosed, low-privacy setting typical of suburban Puerto Rico.
Scout-read from listing photos. Verify against the images.
What the web found
Web search confirms Collores is a barrio in Humacao (ZIP 00791) with elevation of 466 ft. Land values in the area range from $87,000–$539,000+ depending on size and location. The $365,000 asking price for 0.35 acres (~$1.04M per acre) aligns with premium Humacao properties but is higher than raw-land comparables in Collores proper.
Area intel: Collores barrio (Humacao, PR 00791) has 2010 census population of 2,770 and sits at 466 ft elevation. Comparable land sales in Collores include a 2,792 m² parcel listed at $539,000, and land in nearby Humacao areas ranges $87,000–$389,900 for 0.26–2.17 acre parcels. Humacao has nearby Palmas del Mar resort development; the region is on Puerto Rico's southeast coast. The Humacao Nature Reserve is located within the municipality.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 5 observations retained
$365,000 · 0.35 ac · 16 photos
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4875061 · added 2026-07-25