3.5% down
≈ $3,552/mo
≈ $30,875 upfront
Your Land @ CASA ENCANTO, Naguabo
$475,000
4 bed1 bath
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $2,823/mo
≈ $109,250 upfront
Cash
≈ $396/mo
≈ $489,250 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.
25 min Miramar88 min Disc golf72 min SJU
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4-bedroom home with private, views and fruit trees.
Check first
- FEMA Zone AE needs closer review.
Listing detailsPrice, facts & description
| Location | Rio, Naguabo |
|---|---|
| Asking price | $475,000 |
| Property | 1 bath; Main: + formal/family rooms, office, balcony, 2 storage, pool, jacuzzi, cisterna, laundry. Guest casita: . All furnished, move-in ready. |
| Bedrooms | 4 |
| Property type | Single Family Residence |
| Bathrooms | 1 |
| Photos | 1 reported by Clasificados · 17 available here |
| Listing agent | 787-422-7700 |
Description from Clasificados
Source title: Tu Terruño @ CASA ENCANTO Naguabo
Casa Encanto captures the majestic views of Naguabo's countryside, framing the impressive mountains of El Yunque National Park—your new awakening awaits. Located on the border of Naguabo/Humacao, move-in ready with all furniture, appliances, and electrical fixtures included. Two residences: (1) Imposing Main House: 4bed/4bath, formal living room, dining room, family room, kitchen, office, rear balcony, 2 storage areas, cisterna, heated jacuzzi, swimming pool, laundry room. (2) Traditional Country Guest Casita: living/dining room, kitchen, 2bed/1bath, laundry hookup. Every space in Casa Encanto is intentionally designed to maximize the environment and reconnect with nature. In addition to the two homes, the property includes: reserved agricultural plot #1 for cultivation, green areas for grounding & meditation, outdoor recreation areas for parties and gatherings, and land suitable for fruit trees or creative endeavors. Approximately 8 miles from Walmart, Home Depot & other amenities in Humacao; 5 miles from Naguabo's waterfront. Serves as primary residence or investment (each residence has separate deed, currently generating rental income). The keys to something new and special await. Peace & serenity are here.
Capturando las vistas que este hermoso campo Naguabeño se encuentra Casa Encanto. Este panorama enmarcan las majestuosas montañas de nuestro parque nacional de El Yunque & aquí te espera tu nuevo despertar. Radicada en el borde de Naguabo/Humacao y lista para vivir con Todos Los Muebles, Equipos & Placas Saldas, incluidas. No importa si es desde: Su Imponente Casa Principal= 4hab/4b-recibidor-sala formal-comedor-family-cocina-oficina-balcón posterior-2almacénes-cisterna-jacuzzi con calentador/piscina-lavandería. ~ o ~ Su Tradicional Casita de Campo para Huéspedes= sala-comedor-cocina-2hab/1baño-conexión laundry Cada espacio de Casa Ensueño está intencionalmente diseñado para maximizar el entorno y re/conectarse con la Naturaleza. Además de sus dos residencias también provee un terreno para siembraÁreas Verdes para hacer Grounding & MeditaciónÁreas Exteriores Recreativas para fiestas y reuniones & El Terreno, ideal para sembrar frutos ó lo que tu creatividad permita. Aprox. 8millas de Walmart, Home Depot & Otros en Humacao & 5millas del Malecón de Naguabo. Sirve como residencia primaria o Inversión. Actualmente generando $ cada residencia con su propia escritura. Aquí te espera la llave de algo nuevo y muy especial. Paz & Serenidad te esperan. Contacta: Sandy Ramos, Broker/Realtor® lic#C-13992 787-422-7700 Willy Arce, Real Estate Agent lic#v-3117 787-955-0999 Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Rio, Naguabo, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 10 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 | 25 min | 12.7 mi |
|---|---|---|
| Playa Lucía Disc Golf | 29 min | 17.5 mi |
| Albergue Olímpico Disc Golf | 88 min | 58.2 mi |
| SJU Airport | 72 min | 45.3 mi |
| Costco (Caguas) | 46 min | 26.1 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
Two existing residences already maximize development; additional single-family build unlikely unless significant undeveloped acreage exists (not disclosed). Naguabo terrain generally buildable; verify flood zone, road access, and any agricultural/conservation zoning restrictions.
Questions to verify
- Verify FEMA AE flood zone mapping and request flood insurance quotes; clarify whether main house or casita have ever flooded (Maria 2017, Hugo 1989 landslides).
- Confirm separate deed status and current rental income/occupancy rates for both residences; review lease terms and tenant stability.
- Inspect septic/sewer and cisterna capacity; verify water supply reliability and treatment systems (critical in high-flood-risk zone).
- Request property survey and cadastre acreage (listing does not state total acres); reconcile with 'reserved agricultural plot #1' and 8-acre comps.
- Walk the property boundary to confirm no river/stream encroachment and assess actual tree species and fruit production (photos show landscaping, not wild rainforest).
- Obtain Phase I environmental report and landslide risk assessment from USGS (eastern PR quartz diorite geology; nearby slopes monitored for instability).
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1, 4, 5, 6 show two bright yellow houses on gently sloping, well-maintained green lawns with mature landscaping and what appear to be tropical fruit trees (photo 5 shows distinctive yellow flowering/fruiting plants, likely heliconia or similar). Photos 2, 3, 7, 14 confirm extensive green vegetation and tree canopy; photo 2 shows mountain views in the distance (El Yunque range). Photos 8, 10, 11, 12 reveal furnished interiors in good condition with pools and modern amenities. However, photos reveal NO visible ocean or river on the property itself—distant views exist but no waterfront presence. The terrain is clearly low-lying and flat (consistent with 10 ft elevation); no meaningful topographic relief or elevation gain is visible. Privacy appears moderate: mature tree lines surround both homes but property is not isolated or extensively forested.
Scout-read from listing photos. Verify against the images.
What the web found
Web search found land listings and comparable sales in Naguabo on Trulia, Zillow, and other platforms, but could not locate this specific CASA ENCANTO parcel. The municipio has recent land sales ranging $100,000–$200,000+ for acreage; flooding and landslide risks are documented regional hazards.
Also found online:
- Trulia — Multiple Naguabo land parcels listed; 17.14 acres for $200,000; 11 acres for $119,000; 1.03 acres for $156,000
- Zillow — Naguabo property listings available; sample multi-family home $180,000
- Findit PR — Naguabo terreno (land) $100,000; various properties across barrios including Húcares
- ByOwner — 19 properties in Naguabo; avg home price $327,542; 61 sales last year; $82/sqft
Area intel: Recent Naguabo land sales: 11–17 acre parcels $119,000–$200,000. Average home price ~$327,542; avg $82/sqft. Major hazards: Naguabo is subject to hurricane storm surge, flooding, and landslides (USGS monitors landslide risk on steep slopes with Tertiary-Cretaceous quartz diorite geology). Humacao (south of Naguabo) is extremely vulnerable to flooding per 2019 FEMA maps. Region experiences tropical cyclone season (June–November); nearby Hurricane Hugo (1989) triggered landslides in eastern PR; Hurricane Maria (2017) caused severe flooding.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 14 observations retained
$475,000 · 16 photos · 1 bath · 787-422-7700 · 1 photo
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4879442 · added 2026-06-12