3.5% down
≈ $2,356/mo
≈ $20,475 upfront
Antón Ruiz: Two-Story 3-Bedroom Home with Large Lot
$315,000
3 bed2.5 bath
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $1,872/mo
≈ $72,450 upfront
Cash
≈ $263/mo
≈ $324,450 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 Miramar77 min Disc golf62 min SJU
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Listing detailsPrice, facts & description
| Location | Anton Ruiz, Humacao |
|---|---|
| Asking price | $315,000 |
| Property | 3 bed, 2.5 bath; two-story, well-maintained, solar + Powerwall, move-in ready. |
| Bedrooms | 3 |
| Property type | Land |
| Bathrooms | 2.5 |
| Photos | 15 reported by Clasificados · 15 available here |
Description from Clasificados
Source title: Anton Ruiz: Two level 4 B/2.5 baths w lot
Spacious home with large lot in Humacao — ideal for living or investment. This beautiful two-story property is located in Humacao, surrounded by green areas in the Antón Ruiz neighborhood, just minutes from the highway. The well-maintained home features 3 bedrooms, 2.5 bathrooms, and sits on a large flat lot (1,669 square meters), offering plenty of outdoor space for family gatherings, gardening, or future additions. The home's cross-ventilation design provides excellent natural airflow throughout, creating a fresh and comfortable atmosphere year-round. Two levels provide spacious living areas and privacy, ideal for families. The property is equipped with solar panels and a Tesla Powerwall battery system, ensuring energy efficiency and peace of mind. Suitable as a primary residence, vacation home, or investment for short-term rentals. Features include two covered terraces, two-car garage, storage room, outdoor kitchen, water cistern, and gym equipment. Located on street 927, next to VP Fuels gas station (also known as Camino Los Gonzalez). Convenient access to Humacao (10 minutes to downtown, 15 minutes to Palmas del Mar, 20 minutes to Naguabo). A unique opportunity combining comfort, sustainability, and excellent access to eastern Puerto Rico.
Spacious Home with Large Lot in Humacao –Great for Living or Investment ! Discover this beautiful and spacious two-story property located in Humacao, surrounded by green areas, in the area known as Antón Ruíz, just minutes from the highway. This well-maintained home features 3 bedrooms, 2.5 bathrooms, and sits on a large flat lot, offering plenty of outdoor space for family gatherings, gardening, or future additions. Its cross ventilation design provides excellent natural airflow throughout the home, creating a fresh and comfortable atmosphere year-round. The property includes two levels, making it ideal for families seeking spacious living areas and privacy. It is also equipped with solar panels and a Tesla Powerwall battery system, adding energy efficiency and peace of mind. Perfect as a primary residence, vacation home, or an investment opportunity for short-term rentals, this property offers versatility in a prime location near beaches, marinas, and resort amenities. It also has two covered terraces, two car garage, storage room, outdoor kitchen, water cistern, gym equipment, among other features. Property located on the 927 street, next to VP Fuels gas station. Area also known as Camino Los Gonzalez. Lot size: 1669 square meters. It also has a convenient access to Humacao (10 minutes to downtown, 15 minutes to Palmas del Mar and 20 minutes to Naguabo). A unique opportunity to own a home that combines comfort, sustainability, and excellent access to the best of eastern Puerto Rico. Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Carr 925 Km 4.9, Bo. Junquito, Humacao, PR 00791 👁 Street View 🛰 Satellite
⛰ 63 ft elevation 🌊 FEMA Zone X — minimal flood
Exact coordinates from web research. Elevation: USGS. Flood zone: FEMA NFHL.
Drive times
| Miramar Bar | 14 min | 8.7 mi |
|---|---|---|
| Playa Lucía Disc Golf | 17 min | 13.5 mi |
| Albergue Olímpico Disc Golf | 77 min | 54.2 mi |
| SJU Airport | 62 min | 33.4 mi |
| Costco (Caguas) | 34 min | 22.1 mi |
Area notes
Antón Ruiz (Humacao) is a inland barrio in the eastern coastal lowlands of Puerto Rico, characterized by flat to gently rolling terrain with no significant elevation. The municipio of Humacao sits at sea level near the Caribbean coast, with a tropical humid climate prone to seasonal rainfall and occasional flooding in low-lying areas. The area is minutes from the highway and has good access to beaches, marinas, and resort amenities (Palmas del Mar), but offers no mountain or rainforest scenery—it is a developed, accessible suburban-rural zone rather than an elevated sanctuary.
CRIM & due diligenceParcel record & questions to verify
🏛️ CRIM property record
⚠️ Candidate parcel—not yet confirmed. The CRIM facts and sale history below belong to the parcel under the exact listing pin. Confirm the boundary before treating them as facts about this listing.
| CRIM parcel number | 281-000-001-42 |
|---|---|
| How it was matched | Parcel candidate from the exact listing pin and the February 2025 Planning Board parcel layer; verify in current CRIM |
| Address (CRIM) | BO ANTON RUIZ , CARR 927 KM.HM 1.2, PR, Puerto Rico, 00000 |
| Owner of record | IGLESIA DE DIOS PENTECOSTAL, M.I. |
| Recorded parcel size | 4.86 acres · 5 cuerdas · 19,651.95 m² |
| Last recorded sale | $0 on 1987-07-23 · buyer IGLESIA DE DIOS PENT |
| Registry | Finca 0 · Tomo ? · Folio 0 · Escritura 108 |
| Assessed value | $69,380 total (land $1,520 + structure $67,860) — CRIM tax basis, not market value |
| Taxable assessed value | $0 · exemption $69,380 |
🏛️ Open official CRIM record Paste an MLS address or CRIM number
The public cadastre identifies the parcel and its assessed values. It does not certify that the account has no current or prior debt; request the seller's CRIM account statement and certification for closing.
Buildability
Large flat lot (1,669 m²≈0.41 acres) is buildable, but the property is already developed. Single-family expansion potential exists on the lot; no flood zone or access red flags noted, but verify drainage and coastal zone limits.
Questions to verify
- Verify flood zone classification (FEMA map) and historical flooding or drainage issues on the 1,669 m² lot, especially given the flat, coastal-proximity terrain.
- Confirm property survey, lot boundaries, and any encroachments or easements affecting the large lot.
- Inspect the two-story structure for foundation soundness, roof condition, and any hurricane or water damage history (obtain full inspection report).
- Validate solar panel and Tesla Powerwall system: warranty status, performance history, maintenance records, and any utility interconnection agreements.
- Check zoning classification and confirm no restrictions on short-term rentals or commercial use if that is a secondary goal.
- Confirm water source (municipal vs. cistern), septic/sewer status, and any restrictions on well drilling or lot expansion given the lot size and coastal/municipal context.
Research & sourcesPhotos, web findings & original listing
What the web found
Web search identifies matching listings on eXp Realty (Carr 925 Km 4.9, Junquito) and Puerto Rico Real Estate for Sale, both showing the 4-bedroom property at $315,000. eXp listing adds detailed amenities: 3.85 cuerdas of land (vs. unspecified acreage), solar panels, Tesla battery, and cistern. Humacao market shows median listing price around $560,000 with 225 active listings; regional concerns include historical flood risk from tropical systems.
Also found online:
- eXp Realty — Same property (Carr 925 Km 4.9, Bo. Junquito): 4 bed, 1.5 bath, 3.85 cuerdas; equipped with AC, 12 solar panels, Tesla battery, 400-gallon cistern; age ~2000; price $88/sqft
- Puerto Rico Real Estate for Sale (Homar Real Estate) — 927 Anton Ruiz #km 27.7, Humacao: 3 bed, 3 bath, 3,200 sqft, $315,000; built 2000; coordinates 18.18216772, -65.80195199
- Corcoran — Listing for Anton Ruiz buildable lot (0.51 acres / 22,153 sqft) with mountain views in Humacao hills; peaceful setting near shopping, schools, highways
Area intel: Antón Ruíz Barrio median home value $108,200 (Niche); Humacao municipality median listing price ~$560,000 with 225 active listings (Christie's). Average sale price in Humacao $350,000. Area described as suburban-rural mix with retirees; not highly walkable. Historical flood risk: September 1960 hurricane-driven flash flood on Rio Humacao killed 90+ people; Puerto Rico rainfall-induced landslide hazard mapped by USGS. Recent crime incidents reported in Humacao (carjacking, shootings) but no specific alerts for Anton Ruiz sector.
What the sources contribute
Recorded sale history
- Jul 23, 1987 · $0 · buyer IGLESIA DE DIOS PENT (ClasificadosOnline)
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 6 observations retained
$315,000 · parcel 281-000-001-42 · 1 recorded sale · 15 photos · 3 bed · 2.5 bath - CRIM Catastro Digital public record · Jul 25, 2026 · 2 observations retained
parcel 281-000-001-42 · 1 recorded sale
Match: Official record returned for parcel 281-000-001-42.
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ Official CRIM record (281-000-001-42)Clasificados ID 4892719 · added 2026-07-24