3.5% down
≈ $1,945/mo
≈ $16,900 upfront
Bo. Espino, San Lorenzo
$260,000
3 bed2 bath
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $1,545/mo
≈ $59,800 upfront
Cash
≈ $217/mo
≈ $267,800 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.
45 min Miramar57 min Disc golf64 min SJU
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3-bedroom home with private, nature / trees and mountain setting.
Listing detailsPrice, facts & description
| Location | Espino, San Lorenzo |
|---|---|
| Asking price | $260,000 |
| Property | 3 bed, 2 bath; Two 3-bed/2-bath units, both finished, tiled, well-lit, ceiling fans; excellent interior condition. |
| Bedrooms | 3 |
| Property type | Single Family Residence |
| Bathrooms | 2 |
| Photos | 16 reported by Clasificados · 16 available here |
| Listing agent | 787-475-4556 |
Description from Clasificados
Source title: BO. ESPINO, SAN LORENZO
Property for sale | Barrio Espino, San Lorenzo. Privacy, space, and contact with nature—this countryside property can be an excellent alternative. It features 2 residential units, both with 3 bedrooms and 2 bathrooms in excellent condition, ample land, good parking space, and a highly private setting. Price: $260,000. For more information or to schedule a visit, contact Jeannette Soto Realty CSP LIC. E-124 "Ensuring the sale of your home" 787-475-4556 / 787-745-5820. Puerto Rico.
Propiedad en venta | Barrio Espino, San Lorenzo Privacidad , amplitud y contacto con la naturaleza, esta propiedad en el campo puede ser una excelente alternativa. Cuenta con 2 unidades de vivienda ambas de 3 habitaciones y 2 baños en excelentes condiciones, amplio terreno, buen espacio de estacionamiento y un ambiente sumamente privado. Precio: $260,000 Para más información o coordinar una cita, comuníquese con Jeannette Soto Realty CSP LIC. E-124 "Asegurando la venta de su hogar" 787-475-4556/ 787-745-5820. Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Espino, San Lorenzo, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 1,559 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 | 45 min | 25.3 mi |
|---|---|---|
| Playa Lucía Disc Golf | 41 min | 17.6 mi |
| Albergue Olímpico Disc Golf | 57 min | 29.9 mi |
| SJU Airport | 64 min | 38.3 mi |
| Costco (Caguas) | 33 min | 17.5 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
Property already developed with two units; no indication of vacant buildable land or subdivision potential. Zoning likely non-conforming for new construction.
Questions to verify
- Confirm total acreage and legal parcel boundaries via CRIM or survey.
- Clarify which unit is primary residence and which is rental/guest (if that matters to buyer intent).
- Identify fruit/edible trees on the land and assess maintenance/harvesting status.
- Verify road access and utility infrastructure (water pressure, septic, generator backup).
- Inspect for any active water issues given the steep slope and tropical rainfall.
- Confirm December occupancy feasibility and any title/closing timeline constraints.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–4 show a multi-level concrete residence with covered balconies/porches, paved driveway, and metal railings; the home sits on moderately sloped terrain with dense tropical vegetation visible on surrounding land. Photo 2 captures a carport/driveway from above; photos 3–4 show the street frontage and side elevation with climbing plants and vegetation suggesting warm, humid climate. Interior photos (6–16) reveal two separate units: both have tiled flooring, white/neutral walls, ceiling fans, and good natural light; bedrooms appear modest but finished. Photo 5 shows the rear land—steeply sloped, overgrown, with banana or plantain plants visible, suggesting some agricultural potential but no clear orchard. No ocean or river views evident; no clear vista in any photo. Vegetation is lush and wild (rainforest-adjacent) but unmanicured.
Scout-read from listing photos. Verify against the images.
What the web found
Web search found references to comparable properties in Bo. Espino on Carr. 181 Km 13–13.9 and barrio-level real estate context, but the exact ClasificadosOnline listing ID 4892803 could not be accessed or matched to other platforms with certainty. Espino is a rural barrio in San Lorenzo with a median home value substantially below the $260,000 asking price.
Area intel: Espino barrio, San Lorenzo municipality, is a rural area with a median home value of $107,000. Properties on Carr. 181 Km 13–13.9 in the barrio appear in Findit and other listings. San Lorenzo's 2025 population estimate is 37,275; the broader Puerto Rico market shows year-over-year growth of 19% in 2025.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 8 observations retained
$260,000 · 16 photos · 3 bed · 2 bath · 787-475-4556
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4892803 · added 2026-07-29