3.5% down
≈ $2,281/mo
≈ $19,825 upfront
Urb Campo Real – 4 Bedroom, 2.5 Bath Home
$305,000
4 bed2.5 bath
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $1,812/mo
≈ $70,150 upfront
Cash
≈ $254/mo
≈ $314,150 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.
20 min Miramar74 min Disc golf58 min SJU
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4-bedroom home with rural setting.
Listing detailsPrice, facts & description
| Location | Campo Real, Las Piedras |
|---|---|
| Asking price | $305,000 |
| Property | 4 bed, 2.5 bath; two-story concrete, fully furnished, move-in ready. |
| Bedrooms | 4 |
| Property type | Single Family Residence |
| Bathrooms | 2.5 |
| Photos | 7 reported by Clasificados · 7 available here |
Description from Clasificados
Source title: URB CAMPO REAL 4 CUARTOS 2.5 BANOS
Two-story concrete residence in an urbanization with controlled access. Large lot, concrete terrace, fully fenced. Puerto Rico.
RESIDENCIA EN CONCRETO DOS NIVELES RN URB CON ACCESO CONTROLADO AMPLIA SOLAR, TERRAZA EN CEMENTO, TOTALMENTE VERJADA Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Barrio Tejas (Bo Tejas), Las Piedras, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 523 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 | 20 min | 10 mi |
|---|---|---|
| Playa Lucía Disc Golf | 23 min | 14.7 mi |
| Albergue Olímpico Disc Golf | 74 min | 43 mi |
| SJU Airport | 58 min | 31.1 mi |
| Costco (Caguas) | 29 min | 15.6 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
Located within a gated urbanization (URB Campo Real); not raw land. Single-family building would not apply.
Questions to verify
- Confirm exact lot size and property boundaries (listing says 'large lot' but no acreage stated).
- Verify parcel number and title with CRIM; confirm urbanization covenants and HOA fees or community maintenance charges.
- Inspect roof condition, foundation, plumbing, and electrical systems; confirm year built and any prior damage/repairs.
- Clarify utilities: water, sewer, electric provider and current billings.
- Walk perimeter during daylight to assess privacy from neighbors and traffic noise from surrounding streets.
- Confirm move-in timeline against December deadline and any closing contingencies.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–3 and 6–7 show a two-story concrete residential home in an urbanized setting with manicured grounds, fenced perimeter, and controlled-access community infrastructure. The home appears move-in-ready with modern finishes, tile flooring, equipped kitchen, dining area, and multiple furnished bedrooms. No significant elevation changes visible within the lot; surroundings are flat suburban development with no mountain, ocean, or river views apparent. Vegetation is lawn and ornamental plantings only—no fruit trees evident. Privacy is moderate, constrained by typical urban lot spacing and neighboring properties visible in photo 1. No water features (river, stream, coast) are visible.
Scout-read from listing photos. Verify against the images.
What the web found
Web searches found a matching property on Encuentra24 with identical bedroom/bathroom count and similar description from October 2022 (listed at $185,000), and a KW Puerto Rico agent listing with the same features. A Keller Williams agent site also features a similar Campo Real property. Las Piedras median home sales price was $260,000 (last year), with recent comps ranging $150,000–$271,000 for 3–4 bedroom homes. The area has experienced flash flooding and hurricane risk (Hurricane Maria 2017 caused 500 roof losses and landslides in Las Piedras).
Also found online:
- Encuentra24 — Same property: 4 bedrooms, 2.5 bathrooms, 350 m² lot, 1,600 sf home, $185,000 (2022 listing); HOA $65/month. Property in gated urbanization with controlled access near SR #30.
- Keller Williams Puerto Rico (KW) — Agent: likely Alberto or KW agent; similar Campo Real address and property specs (C-Rey Jorge, Urb Campo Real, C-21, Las Piedras).
Seller / agent: Residentes De Campo Real office: 787-733-4513 (Bo Tejas, URB Campo Real, Las Piedras 00771)
Area intel: Las Piedras median single-family home sale price: $260,000 (last year, ~$147/sf). Recent comparable sales in Las Piedras: $150,000 (3 bed, 1 bath, Ceiba Sur); $220,000 (3 bed, 2 bath, Calle Acacia); $269,000–$271,111 (3–4 bed homes). Flash flood risk documented: April 2026 warning issued for Las Piedras; PR-936 flooded. Hurricane Maria (2017) caused 500 roof losses and landslides in Las Piedras with 205 mph winds. Las Piedras not coastal but subject to inland flooding and landslide hazards.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 11 observations retained
$305,000 · 7 photos · 4 bed · 2.5 bath
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4897375 · added 2026-07-29