3.5% down
≈ $1,249/mo
≈ $10,855 upfront
Villa Marina (Extension) Gurabo
$167,000
3 bed1 bath
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $992/mo
≈ $38,410 upfront
Cash
≈ $139/mo
≈ $172,010 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.
30 min Miramar55 min Disc golf40 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 | Extension Villa Marina, Gurabo |
|---|---|
| Asking price | $167,000 |
| Property | 3 bed, 1 bath; dated but move-in ready; functioning kitchen, furnishings present. |
| Bedrooms | 3 |
| Property type | Single Family Residence |
| Bathrooms | 1 |
| Photos | 11 reported by Clasificados · 11 available here |
| Listing agent | 787-640-3372 |
Description from Clasificados
Source title: Villa Marina (Extensión) Gurabo
Corner property in excellent condition, consisting of 3 bedrooms, 1.5 bathrooms, kitchen, dining room, living room, family room, carport for one vehicle, balcony, exterior bathroom, and tool shed. Sale: cash or conventional loan (non-conforming) only; does not qualify for FHA or USDA Rural financing. Appointments may be scheduled through a licensed real estate broker or realtor ONLY with a signed Buyer's Agreement from their client, submitted in advance. For information and appointments with pre-qualification, call 787-640-3372, Javier A. Flores, License #C-6782 Puerto Rico.
Propiedad de esquina en excelentes condiciones, consta de 3 habitaciones , 1 baño y medio, cocina, comedor, sala, family, marquesina para un auto, balcón, baño exterior y casita de herramientas. Venta Cash o Solo préstamo conventional "NON COMFORMING " Casa No Cualifica para préstamo FHA o RURAL. Se puede hacer cita a Corredores de Bienes Raíces o Realtors SOLO con " Buyers Agreement" a su cliente firmado y que lo envié antes de acordar la cita. Para información y cita con pre-cualificacion llamar 787-640-3372 a Javier A. Flores -Lic # C-6782 Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Villa Marina (urbanización/subdivision), Gurabo, Gurabo 👁 Street View 🛰 Satellite
⛰ 160 ft elevation 🌊 FEMA Zone AE — flood risk
Municipio-level only — no barrio resolved; verify the parcel location. Elevation: USGS. Flood zone: FEMA NFHL.
Drive times
| Miramar Bar | 30 min | 18.1 mi |
|---|---|---|
| Playa Lucía Disc Golf | 33 min | 22.8 mi |
| Albergue Olímpico Disc Golf | 55 min | 31.7 mi |
| SJU Airport | 40 min | 25.1 mi |
| Costco (Caguas) | 9 min | 4.2 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
A home already exists and is occupied; this is not a buildable land parcel.
Questions to verify
- Confirm final acreage and parcel boundary; listing size not stated.
- Verify flood insurance requirement and annual cost given AE zone assignment.
- Inspect for past water damage, mold, or foundation issues consistent with high-flood-risk zone.
- Confirm non-conforming loan status and lender availability; FHA/USDA ineligibility may affect resale.
- Title search and lien check; verify no back taxes or municipal liens.
- In-person elevation survey and nearest water body distance to assess practical flood exposure.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–4 show a modest single-story concrete home with a red-metal carport, small yard with palm trees and minimal elevation change, flat terrain typical of lowland Gurabo. Interior shots (5–11) reveal a well-maintained, lived-in home with dated but functional décor: yellow kitchen cabinetry, brown upholstered furniture, framed religious art, and tile flooring throughout. No mountain or ocean views visible; surroundings are residential street-level with no evident water features, fruit trees, or rainforest vegetation—entirely suburban, no privacy screening beyond the property boundary. Home appears move-in ready with basic furnishings in place.
Scout-read from listing photos. Verify against the images.
What the web found
Web search confirms Villa Marina is an established urbanización in Gurabo, with comparables showing average home sales around $214,113 and median home values at $107,300, making this $167,000 listing potentially below current market. Historical flood risk documented in Gurabo; earthquake hazard rated low.
Area intel: Median home value in Gurabo: $107,300; average recent home sale price: $214,113. Historical flooding documented in Gurabo during Hurricane Cristina (1973) with evacuations. Earthquake hazard rated low (2% chance of damaging shaking in 50 years).
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 8 observations retained
$167,000 · 11 photos · 3 bed · 1 bath · 787-640-3372
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4895382 · added 2026-07-29