3.5% down
≈ $1,945/mo
≈ $16,900 upfront
Urb. Costa Azul, House in Guayama
$260,000
4 bed3.5 bath2,336 sqft0.05 ac
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.
46 min Miramar30 min Disc golf84 min SJU
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Listing detailsPrice, facts & description
| Location | Costa Azul, Guayama |
|---|---|
| Asking price | $260,000 |
| Property | 4 bed, 3.5 bath; move-in ready, suburban home in established urbanization. |
| Listing address | Urb. Costa Azul |
| Listed | Jul 9, 2026 |
| Land | 0.05 acres |
| Bedrooms | 4 |
| Property type | Single Family Residence |
| Living area | 2,336 sqft |
| Bathrooms | 3.5 |
| Listing status | EN VENTA |
| Photos | 8 reported by Clasificados · 8 available here |
Description from Clasificados
Source title: URB. COSTA AZUL, CASA EN GUAYAMA
FOR SALE | Urb. Costa Azul, Guayama. Spacious residence located in the well-known Urb. Costa Azul in Guayama, with approximately 2,336 square feet of construction, 4 bedrooms, 3.5 bathrooms, double carport, and patio. The property features comfortable interior spaces, good layout, and areas that can be adapted to the buyer's needs. Because of its size and configuration, it offers excellent potential for a large family, mixed use, or possible conversion to multifamily (subject to permits, design, and applicable requirements). Its location in an established urbanization provides convenient access to shops, schools, medical services, supermarkets, and main roads in the Guayama area. An excellent opportunity for those seeking space, location, and potential in a single property. Note: Some images were digitally retouched for presentation purposes. Verify the property by in-person visit. Puerto Rico
EN VENTA | Urb. Costa Azul, Guayama Amplia residencia ubicada en la reconocida Urb. Costa Azul en Guayama, con aproximadamente 2,336 pies cuadrados de construcción, 4 habitaciones, 3.5 baños, doble marquesina y patio. La propiedad cuenta con espacios interiores cómodos, buena distribución y áreas que se pueden adaptar según la necesidad del comprador. Por su tamaño y configuración, ofrece excelente potencial para una familia grande, uso combinado o posible conversión a multifamiliar, sujeto a permisos, diseño y requisitos aplicables. Su ubicación en una urbanización establecida brinda acceso conveniente a comercios, escuelas, servicios médicos, supermercados y vías principales del área de Guayama. Una excelente oportunidad para quienes buscan espacio, ubicación y potencial en una sola propiedad. Nota: Algunas imágenes fueron retocadas digitalmente para fines de presentación. Verifique la propiedad mediante visita presencial. Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Costa Azul, Guayama, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 81 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 | 46 min | 33.8 mi |
|---|---|---|
| Playa Lucía Disc Golf | 35 min | 25.8 mi |
| Albergue Olímpico Disc Golf | 30 min | 15.6 mi |
| SJU Airport | 84 min | 58.9 mi |
| Costco (Caguas) | 56 min | 39.4 mi |
Area notes
Guayama is a southern coastal municipality on relatively flat terrain; Urb. Costa Azul is a suburban residential development near the town center, lacking significant elevation or views. Distance to Humacao (east) is roughly 20–25 miles. The area is far from El Yunque and the lush northern mountains, with a drier climate typical of the southern coast; flood risk is moderate in low-lying zones. Character is typical suburban Puerto Rico: commercial access, schools, medical services, but little natural or scenic appeal.
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 0.05 acres in a dense urbanization; no buildable potential. Not a land option.
Questions to verify
- Confirm actual livable condition and move-in readiness via in-person inspection; note that images were digitally retouched.
- Verify zoning and whether the property is in a flood zone (FEMA maps for southern Guayama coastal plain).
- Clarify the legality and permitting cost of any multifamily conversion referenced, if that appeals to them.
- Check water and sewer service availability and reliability in Urb. Costa Azul.
- Survey the lot boundary and confirm no encroachments or disputes.
- Assess structural integrity, roof, HVAC, and plumbing condition; request any prior repairs or permits.
Research & sourcesPhotos, web findings & original listing
What the web found
The property listing appears on Encuentra24 as the same 4-bedroom, 3.5-bath house at $260,000, with approximately 2,336 sq ft of construction. Limited contact and comparable sales data are available in public sources; the Houzeo database shows a comparable Costa Azul listing at $140,000 for a 4-bed/2-ba property (Calle 18 Bloque L1), suggesting the $260,000 asking price is above recent local market examples.
Also found online:
- Encuentra24 — Same property: 4 rooms, 3.5 baths, 2,336 sq ft, $260,000, double marquesina and patio; listed 07/09/2026.
Area intel: Comparable 4-bedroom houses in Costa Azul/Guayama range from $140,000 (4 bd/2 ba, 1,350 sq ft, Calle 18 Bloque L1 per Houzeo) to lower-priced options in the $80,000–$125,000 range for 3–4 bedroom homes in surrounding Guayama areas. The $260,000 listing price appears premium relative to recent comps; however, this property offers larger construction (2,336 sq ft vs. 1,350 sq ft) and 3.5 baths vs. 2 baths in the $140,000 comp. Guayama real estate market shows diversity across urbanizations, with mixed residential and some commercial development near the shopping center.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 2 observations retained
$260,000 · 4 bed · 3.5 bath · 2,336 sqft · 0.05 ac · 8 photos - Encuentra24 same-property listing · Jul 31, 2026
$260,000 · EN VENTA · 4 bed · 3.5 bath · 2,336 sqft · 0.05 ac · Urb. Costa Azul
Match: Matching price ($260,000), bedroom count (4), bathroom count (3.5), location (Urb. Costa Azul, Guayama), construction size (2,336 sq ft ≈ 375 m²), and listing description.
Sources
Original listingEncuentra24 listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4897680 · added 2026-07-31