3.5% down
≈ $2,805/mo
≈ $24,375 upfront
For Sale: Santa Barbara Urbanization, Gurabo
$375,000
4 bed2.5 bath
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $2,228/mo
≈ $86,250 upfront
Cash
≈ $313/mo
≈ $386,250 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.
33 min Miramar51 min Disc golf37 min SJU
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4-bedroom home worth a closer look.
Listing detailsPrice, facts & description
| Location | Alturas De Santa Barbara, Gurabo |
|---|---|
| Asking price | $375,000 |
| Property | 4 bed, 2.5 bath; fully remodeled, pool, solar-ready, excellent condition. |
| Bedrooms | 4 |
| Property type | Land |
| Bathrooms | 2.5 |
| Photos | 10 reported by Clasificados · 10 available here |
| Listing agent | 787-955-5142 |
Description from Clasificados
Source title: VENTA URB SANTA BARBARA EN GURABO
Just steps from Expreso 30, with easy access to Caguas and San Juan. Four bedrooms, 2.5 baths, pool, spacious patio, and transferable solar system. The property is fully remodeled and in excellent condition. It features a living room, family room, dining room, 4 bedrooms with walk-in closets, and a large laundry area. The pool and expansive patio are surrounded by vegetation, creating an ideal family atmosphere and entertaining space. The solar system is available for transfer to the new owner, providing immediate energy savings. Fully equipped with refrigerator, stove, oven, microwave, washer, dryer, 4 air-conditioning units, ceiling fans, and lamps. Also includes security doors and windows, electric gates, carport, 600-gallon cistern, and storage room. Located in the Bo. Santa Bárbara, Gurabo, in a safe, quiet, residential sector in harmony with nature. For information or to schedule a visit, contact Sra. Medina at 787-955-5142 or 787-800-7757.
A pasos del Expreso 30, con fácil acceso hacia Caguas y San Juan. Cuenta con 4 habitaciones, 2.5 baños, piscina, patio amplio y sistema solar disponible para transferencia.La propiedad está totalmente remodelada y se encuentra en excelente condición. Dispone de sala, family room, comedor, 4 habitaciones con walk-in closet y un área de laundry amplia. La piscina y el amplio patio están rodeados de vegetación, creando un ambiente ideal para disfrutar en familia y recibir visitas. El sistema solar está disponible para transferencia al nuevo propietario, representando un ahorro energético inmediato. Totalmente equipada con nevera, estufa, horno, microondas, lavadora, secadora, 4 unidades de aire acondicionado, abanicos de techo y lámparas. También cuenta con puertas y ventanas de seguridad, portones eléctricos, marquesina, cisterna de 600 galones y cuarto de almacenaje. Ubicada en el Bo. Santa Bárbara, Gurabo, en un sector residencial seguro, tranquilo y en armonía con la naturaleza. Para más información o coordinar una cita, comuníquese con: Sra. Medina 787-955-5142 787-800-7757 Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — SANTA BARBARA, Gurabo, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 243 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 | 33 min | 20.4 mi |
|---|---|---|
| Playa Lucía Disc Golf | 36 min | 25.1 mi |
| Albergue Olímpico Disc Golf | 51 min | 29.6 mi |
| SJU Airport | 37 min | 22.9 mi |
| Costco (Caguas) | 6 min | 2.1 mi |
Area notes
Gurabo is a low-lying agricultural and residential municipio in central Puerto Rico (about 35–45 min south of Humacao), situated in the coastal plain with minimal elevation. The Santa Bárbara barrio is a conventional suburban/urbanización development near PR-30 (the expressway corridor to San Juan and Caguas), characterized by flat terrain, modest-income housing, and no ridge views or rainforest setting. Flood risk is moderate to elevated during heavy rains; terrain is far from the mountains and very distant from El Yunque. This is commuter-belt suburbia, not an elevated retreat.
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
This is an existing residential house in an established urbanización; not vacant land for building.
Questions to verify
- Flood-zone verification: confirm FEMA flood-plain status and any recent flood history in Santa Bárbara, Gurabo (low-lying area near expressway drainage).
- Title and lien search: verify clean title, no mortgage/tax liens, and that solar system transfer is legally clear and documented.
- Acreage and property bounds: request a certified survey to confirm lot size, setbacks, and any encroachments (listing provides no acreage; urbanización lots are typically modest).
- HOA/urbanización rules: clarify monthly or annual fees, architectural restrictions, and governance (urbanizaciones often have mandatory fees and architectural control).
- Zoning and permitted use: confirm residential zoning, any non-conformance, and whether short-term rental is permitted (if they have any intent to monetize).
- Utility and water supply: verify public water/sewer vs. cistern reliance (600-gallon tank suggests potential water scarcity; test cistern capacity and refill reliability).
Research & sourcesPhotos, web findings & original listing
What the web found
The listing appears on ClasificadosOnline for Urbanización Santa Bárbara in Gurabo (ZIP 00778). Web searches show similar Santa Bárbara urbanizations in the area with 3–4 bedroom homes selling historically in the $175,000–$375,000 range. The Gurabo area is mountainous with landslide and flood hazards related to hurricane vulnerability, particularly after Hurricane María in 2017.
Also found online:
- Houzeo.com — Land for sale in Urb Paraiso Sta Barbara Reina De Las Flores, Gurabo (nearby Santa Bárbara urbanization) — $145,000 for 1,820 sq ft lot
- encuentra24.com — 3-room house in Urb. Paseo de Santa Bárbara, Gurabo — $300,000 USD (158 m²)
- Zillow.com — 25 homes for sale in Gurabo PR; general market listings available
Area intel: Comparable sales in Santa Bárbara urbanizations (Mansiones, Chalets, nearby units) show recent asking prices from $175,000–$375,000 for 3–4 bedroom homes. Gurabo market average: $214,113 (homes), $234/sq ft for single-family homes; ~60 days on market. Terrain: Gurabo is hilly/mountainous within the Caguas Valley. Hazards: Landslide risk (Hurricane María triggered 70,000+ landslides in Puerto Rico); flood risk from Gurabo River, Loíza River, and 40+ creeks/streams. Area experienced severe rainfall, flooding, and landslides in September 2017 (Hurricane María). Buildable land parcels in Gurabo area range $45,000–$748,400 depending on size and location.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 7 observations retained
$375,000 · 10 photos · 4 bed · 2.5 bath · 787-955-5142
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4898082 · added 2026-07-24