3.5% down
≈ $1,197/mo
≈ $10,400 upfront
Urban Town Center
$159,995
3 bed2 bath
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $951/mo
≈ $36,799 upfront
Cash
≈ $133/mo
≈ $164,795 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.
29 min Miramar55 min Disc golf40 min SJU
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3-bedroom home worth a closer look.
Check first
- FEMA Zone AE needs closer review.
Listing detailsPrice, facts & description
| Location | Pueblo, Gurabo |
|---|---|
| Asking price | $159,995 |
| Property | 3 bed, 2 bath; residential unit (second floor); first floor is commercial. Simple, lived-in condition; functional but dated. |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Photos | 16 reported by Clasificados · 16 available here |
| Listing agent | 787-617-7207 |
Description from Clasificados
Source title: CASCO URBANO
Two rental-generating units. Ground floor: commercial space with 2 bathrooms rented for $550/month. Second floor: residential unit with 3 bedrooms, 1 bathroom, living room, dining room, kitchen, laundry, and balcony, rented for $600/month. Located at 50 Calle Principal Andrés Arús Rivera, Gurabo. Near Farmacia de Todos, Zavala Insurance, San José Parish, and Placita de los Salseros. In the urban center of Gurabo for $159,995. Contact: 787-450-1212, 787-617-7207, 787-600-1475. My House Realty. We buy houses cash. Your trusted company. License 18964 Puerto Rico.
DOS UNIDADES ALQUILADAS. Dos unidades generando renta. Primer piso: local comercial con 2 baños rentado por $550. Segundo piso: residencial con 3 cuartos, baño, sala, comedor, cocina, laundry y balcón. Rentada por $600. Calle Principal Andrés Arús Rivera #50, Gurabo. Cerca Farmacia de Todos, Zavala Insurance, Parroquia San José y Placita de los Salseros. En CASCO URBANO, GURABO por $159,995. 787- 450-1212, 787-617-7207, 787-600-1475. My House Realty. COMPRAMOS CASAS CASH. Tu Compañía de Confianza. Lic. 18964 Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Pueblo, Gurabo, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 172 ft elevation 🌊 FEMA Zone AE — flood risk
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 | 29 min | 17.6 mi |
|---|---|---|
| Playa Lucía Disc Golf | 32 min | 22.4 mi |
| Albergue Olímpico Disc Golf | 55 min | 31.4 mi |
| SJU Airport | 40 min | 25 mi |
| Costco (Caguas) | 9 min | 4.1 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
This is an existing urban casco structure with two income units; no land for expansion or new construction. Zoning is commercial/residential town-center; not suitable for rural dream-home build.
Questions to verify
- Confirm property structure: is this a rented duplex/mixed-use building or a house? Verify title and whether entire structure or only residential unit is for sale.
- Verify FEMA Zone AE flood insurance requirements and annual cost; review flood history for Gurabo Bo. Pueblo.
- Inspect residential unit utilities (water, electric, septic/sewer); verify lease terms and tenant stability for rental income claims.
- Confirm zoning compatibility if couple intends to occupy as primary residence rather than investment property.
- Clarify acreage: listing does not state it; photo context suggests no meaningful land, only street-front lot.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–4 show a modest two-story concrete townhouse in an urban street setting with minimal setback; bright orange and cream paint, metal railings on balconies, and ground-floor commercial frontage. Photos 5–8 reveal a lived-in residential kitchen and bathroom of basic condition; photo 6 shows a modest living/bedroom space; photo 8 is a hallway. Photos 9–12 display three bedrooms of small to medium size, simply furnished, with minimal natural light and dated fixtures. Photo 13 shows a utility/laundry closet. Photos 14–15 reveal ground-floor commercial and storage areas with miscellaneous items. Photo 12 is an exterior balcony view of an urban street scene. The property sits at street level in a densely built town center with no elevation, no visible views, no water, no fruit trees, and very limited privacy due to immediate neighbors and commercial traffic.
Scout-read from listing photos. Verify against the images.
What the web found
Web search did not locate this specific property on Realtor.com, Zillow, Point2, or agent sites. Gurabo is emerging as an attractive suburban option with market average sales near $214,000 and land lots ranging from $65,000–$3.5M. Construction costs have risen ~30% island-wide due to material and labor shortages.
Area intel: Gurabo is located in central-eastern Puerto Rico with mixed urban and rural barrios. Recent comparable homes in the area: $620,000 (4bd/4ba, 32,695 sqft), $570,000 (4bd/4ba), $550,000 (3–6bd). Raw land in Gurabo ranges from $65,000–$3.5M depending on acreage. Average home sale price: $214,113; average days on market: 60. Market is increasingly attractive as a suburban alternative to San Juan, supported by tax incentives and infrastructure improvements. Historical landslide risk noted from Hurricane Maria impacts in 2017.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 9 observations retained
$159,995 · 16 photos · 3 bed · 2 bath · 787-617-7207
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4878741 · added 2026-07-30