3.5% down
≈ $1,945/mo
≈ $16,900 upfront
House for Sale in Costa Azul Urbanization, Guayama
$260,000
4 bed3 bath0.05 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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4-bedroom home worth a closer look.
Listing detailsPrice, facts & description
| Location | Costa Azul, Guayama |
|---|---|
| Asking price | $260,000 |
| Property | 4 bed, 3 bath; 2,336 sqft, appears move-in ready. |
| Land | 0.05 acres |
| Bedrooms | 4 |
| Property type | Single Family Residence |
| Bathrooms | 3 |
| Photos | 6 reported by Clasificados · 6 available here |
Description from Clasificados
Source title: URB COSTA AZUL, GUAYAMA
HOUSE FOR SALE IN COSTA AZUL URBANIZATION IN GUAYAMA. EXCELLENT LOCATION. — 4 BEDROOMS — 3½ BATHROOMS — 2,336 SQ FT OF CONSTRUCTION. Bank pre-qualification and verification of funds required. Puerto Rico.
SE VENDE CASA EN URB COSTA AZUL EN GUAYAMA. EXCELENTE UBICACIÓN. - 4 HABITACIONES - 3 BAÑOS Y MEDIO - 2,336 P2 DE CONSRUCCIÓN SE REQUIERE PRE CUALIFICACIÓN BANCARIA Y VERIFICACIÓN DE FONDOS. 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 on the southern coast of Puerto Rico, in the flat coastal plain with minimal elevation and no significant views of mountains or ocean from inland urbanizations. It is approximately 40–50 km (25–30 miles) west of Humacao, routed drive time roughly 45 minutes. The area has typical tropical climate with moderate flood risk in coastal zones. Costa Azul is a suburban residential neighborhood, not known for privacy, rainforest, or scenic character.
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
Already developed lot in residential urbanization; no opportunity to build additional structures or expand footprint.
Questions to verify
- Confirm flood zone and flood insurance requirement (southern coast, flat terrain = potential risk).
- Verify exact property lines and HOA covenants/restrictions in Costa Azul urbanization.
- Review title and survey; confirm no easements affecting the 0.05 acres.
- Inspect structural condition, roof age, plumbing/electrical systems, and HVAC for true move-in readiness.
- Clarify what 'excellent location' means in listing context — proximity to shops/schools vs. scenic value.
- Confirm water/sewer service status and any pending special assessments in the development.
Research & sourcesPhotos, web findings & original listing
What the web found
The property appears on Encuentra24 with identical specs (4 bedrooms, 3.5 bathrooms, 375 m² / 2,336 sq ft, $260,000). Guayama shows a very weak housing market with declining demand, reduced prices, and increased inventory; the area has historical flood vulnerability.
Also found online:
- Encuentra24 — Same property: 4 bedrooms, 3.5 bathrooms, 375 m², $260,000, in Urb. Costa Azul, Guayama, posted July 9, 2026. Listing emphasizes convenient location near shopping center, schools, and services.
Area intel: Comparable recent sales in Costa Azul: $140,000 for a 4-bed, 2-bath, 1,350 sq ft home (Calle 18 Bloque L1). Guayama market is very weak with active listings up 12.5% year-over-year, pending ratio down 15.3%, and median price per sq ft declining 19.9%, indicating buyer's market and potential price adjustments. Flooding is a regional concern: Puente Jobos de Guayama around Melania Creek is documented as frequently flooded; the area experienced flooding during 2022 and 2024 tropical events. Coastal flood hazard is classified as medium for Yabucoa Municipio (adjoining area), with 20%+ chance of damaging coastal flood in next 10 years.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 5 observations retained
$260,000 · 0.05 ac · 6 photos · 4 bed · 3 bath
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4898333 · added 2026-07-25