3.5% down
≈ $897/mo
≈ $7,800 upfront
3-Bedroom House with Spacious Patio in Guayama
$120,000
3 bed1 bath0.14 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $713/mo
≈ $27,600 upfront
Cash
≈ $100/mo
≈ $123,600 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.
53 min Miramar28 min Disc golf83 min SJU
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3-bedroom home with private and fruit trees.
Listing detailsPrice, facts & description
| Location | San Martin, Guayama |
|---|---|
| Asking price | $120,000 |
| Property | 3 bed, 1 bath; interior shows dated but functional condition, move-in ready. |
| Land | 0.14 acres |
| Bedrooms | 3 |
| Property type | Single Family Residence |
| Bathrooms | 1 |
| Photos | 16 reported by Clasificados · 16 available here |
| Listing agent | 939-475-3003 |
Description from Clasificados
Source title: Casa de 3h con amplio patio en Guayama
$120K or best offer (cash sale). Galvanized roof. Comfortable 3-bedroom, 1-bathroom property on a 583 m² (0.14 acre) lot in a quiet area of Guayama. The residence features a living room, kitchen, balcony, and covered carport, offering functional and welcoming daily living space. One of its greatest assets is its spacious patio, ideal for enjoying the outdoors, planting, family gatherings, or future projects. The property includes several fruit trees that add charm and freshness to the surroundings, as well as an independent storage structure for tools, equipment, and other items. Its location offers a quiet environment and greater privacy with no direct neighbors in front. An excellent opportunity for those seeking a practical home with good exterior space and potential to adapt it to their needs. To schedule a viewing contact Ingrid López-Videla, 939-475-3003 Puerto Rico.
$120K O MEJOR OFERTA( Cash sale) Techo Galvanizado. Cómoda propiedad de 3 habitaciones y 1 baño ubicada en un solar de 583 metros cuadrados en una zona tranquila de Guayama. La residencia cuenta con sala, cocina, balcón y marquesina techada, ofreciendo un espacio funcional y acogedor para el diario vivir. Uno de sus mayores atractivos es su amplio patio, ideal para disfrutar al aire libre, sembrar, compartir en familia o desarrollar futuros proyectos. La propiedad cuenta además con varios árboles frutales que aportan encanto y frescura al entorno, así como una estructura independiente para almacenamiento de herramientas, equipos u otros artículos. Su ubicación ofrece un ambiente tranquilo y mayor privacidad al no tener vecinos directamente al frente. Una excelente oportunidad para quienes buscan una vivienda práctica, con buen espacio exterior y el potencial de adaptarla a sus necesidades. Para agendar cita contáctanos Ingrid López-Videla?? 939-475-3003 Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — San Martin, Guayama, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 34 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 | 53 min | 39.7 mi |
|---|---|---|
| Playa Lucía Disc Golf | 42 min | 31.7 mi |
| Albergue Olímpico Disc Golf | 28 min | 12 mi |
| SJU Airport | 83 min | 55.3 mi |
| Costco (Caguas) | 54 min | 35.8 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
Tiny 0.14-acre lot in an established residential zone; no room for new construction; zoned for single-family residence only.
Questions to verify
- Confirm legal lot size, boundary, and title against cadastre; verify the listed 0.14 acres (583 m²) matches property records.
- Walk the perimeter to confirm fencing ownership and any boundary disputes with stated 'no direct neighbors in front.'
- Inspect roof condition and age of galvanized roof; verify any recent repairs or remaining lifespan.
- Identify and verify the fruit trees on the property—types, age, productivity—to confirm the listing claim.
- Review utility connections (water, electric, sewage), verify meter readings, and confirm no liens or outstanding balances.
- Confirm cash-sale status and any seller contingencies; clarify whether the independent storage structure conveys with the sale.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–11 show a modest single-story concrete-block house with a covered front porch/balcony, modest setback from the street, and a fenced yard with hardscape and grassy areas. The lot is small and relatively flat; no elevation changes or views are visible. Photos 12–16 show interior spaces: a simple kitchen, living area, bedroom, and bathroom—all functional but dated finishes, no obvious water damage or major disrepair. Vegetation present includes scattered shrubs and a few fruit trees noted in the listing; the patio and yard offer space for outdoor use. The neighborhood appears residential and quiet, with no discernible ocean, mountain, or river views. No rainforest character visible.
Scout-read from listing photos. Verify against the images.
What the web found
No independent confirmation found for this specific listing. Web searches located several 3-bedroom properties in Guayama ranging from $80,000–$600,000 but none matched the precise $120,000 price point with 0.14 acres and spacious patio description. Searches revealed Guayama's terrain is coastal with flood risk, particularly in low-lying barrios like Jobos and Pozo.
Area intel: Guayama is located on Puerto Rico's southern coast. Terrain varies from coastal lowlands to mountain systems inland. Flood hazards are documented: low-lying barrios such as Jobos and Pozo experience recurrent flooding from heavy rains and tropical storms, with historical flooding records dating to at least the 1970s. The Sector Puente Jobos area around Melania Creek is cited as frequently flooded. Comparable 3-bedroom house listings in Guayama appear to range widely ($80,000–$600,000+), suggesting significant variation by location, condition, and lot size.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 5 observations retained
$120,000 · 0.14 ac · 16 photos · 3 bed · 1 bath · 939-475-3003
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4894745 · added 2026-07-29