3.5% down
≈ $3,366/mo
≈ $29,250 upfront
Residence in Quintas de Collores, Humacao, PR
$450,000
4 bed
Down $25,000 from the original $475,000 · last drop Jul 10, 2026
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.
16 min Miramar76 min Disc golf60 min SJU
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4-bedroom home with private and views.
Listing detailsPrice, facts & description
| Location | Quintas De Collores, Humacao |
|---|---|
| Asking price | $450,000 |
| Property | 4 bed; two-story, private office, second-floor terrace, double carport; condition unspecified but described as 'spacious' and 'excellent opportunity'—likely turnkey but unverified. |
| Bedrooms | 4 |
| Property type | Single Family Residence |
| Photos | 0 reported by Clasificados · 16 available here |
| Listing agent | 7876468691 |
Description from Clasificados
Source title: Terreno en Quintas De Collores, Humacao
Excellent opportunity to acquire a spacious residence located in Quintas de Collores. Two-story home with 4 bedrooms, 2.5 bathrooms, private office, second-floor terrace, double carport. Large lot: 2,319 m². Preapproval letter or proof of funds required for viewing. For more information, call 787-646-8691, Julio A. Rodriguez Realty Puerto Rico.
Excelente oportunidad de adquirir espaciosa Residencia ubicada en Quintas de collores .es dos plantas con 4 habitaciones 2 y medio baños ,oficina privada .terraza en el segundo piso .doble marquesina. amplio solar 2,319 mt para verla se pide carta de preaprobacion o evidencia de fondos para mayor información llame 7876468691 Julio A Rodriguez Realty Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Collores (barrio/ward), Humacao, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 204 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 | 16 min | 8.5 mi |
|---|---|---|
| Playa Lucía Disc Golf | 20 min | 13.2 mi |
| Albergue Olímpico Disc Golf | 76 min | 43.4 mi |
| SJU Airport | 60 min | 32.4 mi |
| Costco (Caguas) | 31 min | 16.8 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
Lot is only 0.57 acres in a residential community (Quintas de Collores), so no expansion potential; zoning appears residential/suburban. No info on utilities, septic, or flood zone.
Questions to verify
- Obtain last recorded sale price, date, and assessed value to confirm whether $475k represents fair appreciation or a flip markup.
- Inspect structural condition, roof, plumbing, electrical in detail; interior photos show dated finishes and marks suggesting deferred maintenance.
- Confirm cadastral lot size (listed 2,319 m² = ~0.57 acres) against official registry; verify boundary lines and easements.
- Walk the property in person to assess slope, soil drainage, and any hidden water runoff or seasonal drainage issues.
- Clarify availability of fruit-bearing or native trees elsewhere on lot or in neighborhood; if privacy/rainforest feel is a priority, this inland suburban lot will not deliver.
- Verify road maintenance responsibility, HOA fees (if any in Quintas de Collores), and property tax history.
Research & sourcesPhotos, web findings & original listing
What the photos show
The property sits on a large, flat to gently sloping lot (images 1–4 show expansive cleared/grassy grounds with minimal elevation change visible). The two-story home (images 1–2, 5–8) is in fair-to-mixed condition: interior living spaces are functional (image 5), kitchen dated (image 6), and multiple bedrooms show wear (images 9–16); the second-floor terrace (image 7) offers mountain/valley views consistent with Collores' inland, elevated locale. No ocean, river, or significant water feature is visible. Vegetation is sparse on the lot itself—mostly lawn and landscaping, no evident fruit trees or rainforest density. Road access is via paved private drive (images 3–4, 8). Surroundings show typical suburban residential density with neighboring homes visible.
Scout-read from listing photos. Verify against the images.
Other things spotted in the photos
AI-read from the listing photos — unverified, eyeball against the actual photo before relying on it.
- Survey (plano) #:
CROQUIS DE LA PROPIEDAD— Floor plan document shown in photo 16
What the web found
Humacao is experiencing development growth as an emerging market. The Collores barrio is a confirmed residential area in Humacao with both built homes and available land parcels. The $475,000 price point is above typical Collores residential sales ($250k–$350k) but comparable to some undeveloped land or premium lots in the municipality.
Also found online:
- Houzeo — Similar Collores property: Sr 926 Km 62, $288,000, 4Bd/4Ba/2000sqft (built home)
- Encuentra24 — Collores listing: 4 rooms, 3599 m², $300,000
- Trulia — 513+ condos/properties listed in Quintas de Humacao neighborhood
- Zillow — Multiple Humacao properties ranging $70k–$190k, mostly improved homes not raw land
Seller / agent: Miguel J. Cruz, Prestige Realty PR, 787-556-4971, www.prestigerealtypr.com (found on similar Collores land listing)
Area intel: Humacao is identified as an emerging development area gaining traction in Puerto Rico's 2025 real estate market. Recent comparable land sales in Collores range $250k–$350k for similar acreage. Single-family homes in Humacao average ~$2.1M; pricing varies significantly by neighborhood. Market shows typical Humacao properties at $332–$364/sqft. Collores is an inland, non-beachfront barrio at elevation ~466 ft with population ~2,770. Limited specific hazard or detailed terrain data was found in available sources.
What the sources contribute
Listing price history
- Jun 15, 2026 · $475,000 (ClasificadosOnline)
- Jul 10, 2026 · $450,000 (ClasificadosOnline)
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 9 observations retained
$450,000 · 2 price events · 16 photos · 4 bed · 7876468691
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4895311 · added 2026-06-16