3.5% down
≈ $3,366/mo
≈ $29,250 upfront
Veredas Urbanization in Gurabo
$450,000
4 bed
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $2,674/mo
≈ $103,500 upfront
Cash
≈ $375/mo
≈ $463,500 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.
34 min Miramar56 min Disc golf41 min SJU
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4-bedroom home worth a closer look.
Listing detailsPrice, facts & description
| Location | Veredas, Gurabo |
|---|---|
| Asking price | $450,000 |
| Property | 4 bed; pool; dated interior finishes but occupied and functional. |
| Bedrooms | 4 |
| Property type | Single Family Residence |
| Photos | 14 reported by Clasificados · 14 available here |
| Listing agent | (787)525-5187 |
Description from Clasificados
Source title: Urb Veredas en Gurabo
Beautiful residence with many extras in the exclusive Veredas de Navarro Urbanization. The residence features 4 bedrooms and 2.5 baths, terrace, and swimming pool. Call now for more information and an appointment at (787) 525-5187 Puerto Rico.
Hermosa residencia con muchos extras en la exclusiva Urbanización Veredas de Navarro. La residencia cuenta con 4habitaciones y 2 y medio baños, terraza y Piscina. Llame ahora para mas información y cita al (787)525-5187 Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Veredas, Gurabo, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 231 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 | 34 min | 19.8 mi |
|---|---|---|
| Playa Lucía Disc Golf | 37 min | 24.5 mi |
| Albergue Olímpico Disc Golf | 56 min | 31.2 mi |
| SJU Airport | 41 min | 24.5 mi |
| Costco (Caguas) | 11 min | 3.7 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
Not applicable; existing occupied home in established urbanización.
Questions to verify
- Confirm exact lot size and parcel boundaries; listing does not state acreage.
- Verify property tax, HOA fees, and annual urbanization maintenance costs (gated community).
- Inspect pool equipment, age, and any pending repairs or certifications.
- Walk the lot and immediate surroundings to confirm no undisclosed flooding, drainage, or subsidence issues despite FEMA Zone X rating.
- Review deed restrictions and covenants for Veredas Urbanization; confirm no age or occupancy limits.
- Request 12-month utility history and any recent major repairs (roof, HVAC, plumbing).
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–2 show the street-facing exterior of a modest single-family home in a suburban urbanization, with manicured landscaping and a garage; flat to gently sloped terrain typical of lowland Puerto Rico. Photos 3–7 reveal an interior with burgundy/maroon cabinetry, white tile flooring, and dated finishes in kitchen, bathroom, and hallways; the home appears occupied and maintained but not newly renovated. Photo 5 shows a small rectangular swimming pool with concrete surround, set behind the property. Photos 6–8 document hallway and kitchen layouts with functional but aging décor. Photos 9–14 appear to be of community amenities (waterfront promenade with neon sign, pavilion, large resort-style pools, landscaped grounds, aerial views of a gated development) rather than this specific parcel. No mountain view, ocean view, riverfront on the lot itself, or fruit trees are evident in images of the home or immediate grounds; privacy appears moderate (typical urbanization lot density).
Scout-read from listing photos. Verify against the images.
What the web found
Multiple Veredas Urbanization properties appear on agent sites (KW Puerto Rico, Compass, Honesty Homes, Best Properties Realty) showing gated community with resort-style amenities (gym, pools, tennis, security). Area sales data indicate broader Gurabo market averages $214–$481K for homes; the $450K price aligns with mid-range. The municipality has flood and landslide hazard history from Hurricane Maria (2017).
Also found online:
- KW Puerto Rico (agent site) — 45 Veredas Gurabo Prairie property: 3 BR convertible to 4, 2 full + 2 half bath, pool, solar system, gated security.
- Compass — 45 Veredas Gurabo Prairie: 3 BR / 2.5 BA, 1,940 GLA, 0.16 acres, $100 HOA, Lot 537, 49 ST.
- Honesty Homes — 45 Veredas, Gurabo, same resort-style description and security features.
Area intel: Gurabo market data: recent homes average $214,113–$480,930; cost ~$121–$234/sqft. Properties spend ~60 days on market. Veredas amenities include gated security ($100–$200 HOA typical), gym, pool, tennis courts, recreation areas. Area terrain is hilly (Caguas Valley); multiple rivers and creeks present drainage/flood risk. Hurricane Maria (2017) caused extensive landslides and flooding in Gurabo; USGS documents rainfall-induced landslide susceptibility across Puerto Rico. Gurabo elevation varies 177–551 ft (barrios). No recent specific hazard alerts found for Veredas urbanization.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 7 observations retained
$450,000 · 14 photos · 4 bed · (787)525-5187
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4880552 · added 2026-07-25