3.5% down
≈ $3,216/mo
≈ $27,950 upfront
Modern Residence with Pool and Large Lot
$430,000
4 bed4 bath2,591 sqft0.06 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $2,555/mo
≈ $98,900 upfront
Cash
≈ $358/mo
≈ $442,900 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.
56 min Miramar31 min Disc golf54 min SJU
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4-bedroom home worth a closer look.
Check first
- FEMA Zone A needs closer review.
Listing detailsPrice, facts & description
| Location | Hato Arriba, Yabucoa |
|---|---|
| Asking price | $430,000 |
| Property | 4 bed, 4 bath; modern, move-in ready with pool and generator; but tiny lot (0.06 acres). |
| Land | 0.06 acres |
| Bedrooms | 4 |
| Property type | Single Family Residence |
| Living area | 2,591 sqft |
| Bathrooms | 4 |
| Photos | 16 reported by Clasificados · 16 available here |
Description from Clasificados
Source title: Residencia Moderna con Piscina y Amplio Solar
A property combining privacy, spaciousness, and comfort, ideal for those seeking tranquility without distance from PR-22 Expressway. The residence features: 4 bedrooms and 4 bathrooms; 2,591 sq ft of construction; spacious living room, dining room, and kitchen; terrace and entertainment areas; pool and large patio; 1,001 m² lot; double carport with additional space; gas-powered electrical generator; 600-gallon cistern; 5 new air-conditioning units; 10 ceiling fans. Property is vacant and ready for immediate occupancy. Quiet, private location with no neighbors on one side and rear, with quick access to major highways, commerce, and services. Precalification or proof of funds required to schedule visit. Text communication preferred. No realtors. Per appraisal. Puerto Rico.
Propiedad que combina privacidad, amplitud y comodidad, ideal para quienes buscan tranquilidad sin alejarse del Expreso PR-22. La residencia cuenta con: 4 habitaciones y 4 baños 2,591 p/c de construcción Amplia sala, comedor y cocina Terraza y áreas ideales para entretenimiento Piscina y amplio patio Solar de 1,001 m² Marquesina doble con espacio adicional Generador eléctrico de gas Cisterna 600 galones 5 consolas nuevas de aire acondicionado 10 abanicos de techo Propiedad vacía y lista para ocupación inmediata. Ubicación privada y tranquila sin vecinos en un lado y atrás, con acceso rápido a principales carreteras, comercios y servicios. Precalificación o evidencia de fondos requerida para coordinar visita. Comunicación por texto por favor. NO REALTORS Según tasación. Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Hato Arriba, Yabucoa 👁 Street View 🛰 Satellite
⛰ 1,401 ft elevation 🌊 FEMA Zone A — flood risk
Municipio-level only — no barrio resolved; verify the parcel location. Elevation: USGS. Flood zone: FEMA NFHL.
Drive times
| Miramar Bar | 56 min | 36.2 mi |
|---|---|---|
| Playa Lucía Disc Golf | 60 min | 41 mi |
| Albergue Olímpico Disc Golf | 31 min | 15.9 mi |
| SJU Airport | 54 min | 36 mi |
| Costco (Caguas) | 26 min | 16.5 mi |
Area notes
Yabucoa is in the southeastern lowlands near Humacao, characterized by coastal and near-coastal terrain with minimal elevation—not mountain country. The area is warm, humid, and prone to tropical storm surge and flooding; it sits at sea level to low elevation. Proximity to PR-22 expressway (as mentioned) means suburban sprawl and road noise risk, not the isolated mountain sanctuary with views they appear to want. El Yunque rainforest is ~45 min northwest; the coast is nearby but this listing does not emphasize ocean views.
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
Not applicable—existing home on minimal lot; no room for expansion or additional structures.
Questions to verify
- Verify FEMA flood zone status and elevation relative to storm surge / historical flooding in Yabucoa coastal corridor.
- Confirm lot survey and deed; ensure no encumbrances, HOA, or easements limiting use or resale.
- Inspect pool, AC units, generator, cistern, and roof/structure condition in person; verify all utilities (water, power, septic/sewer) are functional and permitted.
- Ask realtor/owner about noise/traffic from nearby PR-22 expressway and typical neighbor density.
- Clarify zoning and whether property can ever be subdivided or expanded; confirm single-family residential designation.
- Check property tax history and pending assessments; confirm 'according to appraisal' price reflects recent appraisal and no liens.
Research & sourcesPhotos, web findings & original listing
What the web found
Web search found no duplicate listing of this specific property on major U.S. or Puerto Rico real estate platforms (Zillow, Realtor.com, Point2, etc.), and no agent or seller contact information. Market data shows recent Cayey single-family home sales averaged $293,299–$691,528 depending on source, but no comps directly match this 0.06-acre lot with exact bedroom/bath count.
Area intel: Cayey is a mountain municipality in central Puerto Rico with 22 barrios. Recent sales data shows single-family homes in Cayey selling for an average of $293,299–$691,528 (sources vary by time period), with per-square-foot rates of $143–$197. Market inventory includes 30–35 active single-family listings on major sites. The region has mountain terrain and cool climate.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 4 observations retained
$430,000 · 0.06 ac · 16 photos · 4 bed · 4 bath · 2,591 sqft
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4898509 · added 2026-07-25