3.5% down
≈ $1,148/mo
≈ $9,978 upfront
Verdemar Urbanization
$153,500
3 bed1 bath
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $912/mo
≈ $35,305 upfront
Cash
≈ $128/mo
≈ $158,105 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.
15 min Miramar79 min Disc golf64 min SJU
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3-bedroom home with rural setting.
Check first
- FEMA Zone AE needs closer review.
Listing detailsPrice, facts & description
| Location | Verde Mar, Humacao |
|---|---|
| Asking price | $153,500 |
| Property | 3 bed, 1 bath; dated carpet and finishes, functionally livable |
| Bedrooms | 3 |
| Bathrooms | 1 |
| Photos | 16 reported by Clasificados · 16 available here |
| Listing agent | 787-321-2344 |
Description from Clasificados
Source title: Urb. Verdemar
Located in Urb. Verdemar, Humacao, this property is ready to show and offered at $153,500. It features 3 bedrooms, 1 remodeled bathroom, a carport, and an excellent location just minutes from Punta Santiago Beach. Qualifies for 100% Rural financing, ideal for buyers seeking affordable options. Important: the property does not qualify for aid programs. For more information or to schedule a viewing, contact Héctor Jared, Lic. C-18434 at 787-321-2344.
Ubicada en Urb. Verdemar, Humacao, esta propiedad lista para mostrar se ofrece en $153,500. Cuenta con 3 habitaciones, 1 baño remodelado, marquesina y una excelente localización a solo minutos de la Playa Punta Santiago. Cualifica para financiamiento Rural 100%, ideal para compradores que buscan opciones accesibles. Importante: la propiedad no cualifica para ayudas. Para más información o coordinar una cita, comunícate con Héctor Jared, Lic. C-18434 al 787-321-2344. Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Punta Santiago, Humacao, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 4 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 | 15 min | 9.1 mi |
|---|---|---|
| Playa Lucía Disc Golf | 19 min | 13.8 mi |
| Albergue Olímpico Disc Golf | 79 min | 54.5 mi |
| SJU Airport | 64 min | 37.8 mi |
| Costco (Caguas) | 35 min | 22.3 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 urbanization lot in a platted residential community; no new construction or significant expansion likely permitted under subdivision covenants.
Questions to verify
- Confirm FEMA AE flood-zone insurance cost and availability; 4 ft elevation poses serious storm/flooding risk for December move-in
- Verify lot size and easements/HOA deed restrictions in Urb. Verdemar; urbanization covenants may limit future improvements
- Inspect roof, foundation, and plumbing for age and condition (carpet suggests older construction)
- Confirm Rural financing eligibility and any liens or tax arrears
- Walk the property and neighborhood for actual privacy, noise, and adjacent land use
- Request prior sale history and any flood/damage claims on record
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–3 show a small, white single-story house with a concrete walkway, modest landscaping (grass and some greenery), and a carport. Interior shots (4–16) reveal a 3-bed/1-bath layout with worn carpet flooring throughout, basic finishes, wood-grain cabinetry in the kitchen, and functional but dated bathroom with tile shower. The home sits in a flat, developed residential subdivision with no elevation change, no views of ocean, river, or mountains, and no visible fruit trees or rainforest character. Road access appears straightforward via subdivision streets. The home's condition is livable but worn; no major structural damage is evident, though carpeting and fixtures show age.
Scout-read from listing photos. Verify against the images.
What the web found
Web searches confirm Verdemar Urbanization exists in Punta Santiago, Humacao with recent comparable 3BR/1BA house sales at $157,000–$169,000. The specific listing ID 4889237 at $153,500 could not be verified. Some Verde Mar properties face FEMA flood designations. Multiple agents list Verde Mar properties across finditpr.com, deshow.com, and other platforms.
Also found online:
- finditpr.com — Multiple 3BR/1BA Verde Mar homes listed; comparable pricing $149,900–$165,000
- deShow.com — 3BR/1BA Verde Mar house under renovation; contact info provided
Seller / agent: deShow listing shows contact: 787-489-0990, [email protected]; other Verde Mar listings cite agents J.D. Carrion (HOMES BROKERS, 939-400-4663) and SONIA PACHECO (Verde Mar Calle 28 listing)
Area intel: Recent 3BR/1BA Verde Mar sales: $157,000 (3/2026), $169,000 (3/2026), $149,900, $160,000. Single-family home average sales price in Humacao: $50,000. At least one Verde Mar property designated in FEMA flood zone. Urbanization is near Balneario de Punta Santiago and oceanfront.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 5 observations retained
$153,500 · 16 photos · 3 bed · 1 bath · 787-321-2344
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4889237 · added 2026-07-29