3.5% down
≈ $1,197/mo
≈ $10,399 upfront
Urbanización Río Blanco Heights – Naguabo
$159,990
3 bed1 bath
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $951/mo
≈ $36,798 upfront
Cash
≈ $133/mo
≈ $164,790 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.
21 min Miramar77 min Disc golf59 min SJU
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3-bedroom home with rural setting.
Listing detailsPrice, facts & description
| Location | Rio Blanco Heights, Naguabo |
|---|---|
| Asking price | $159,990 |
| Property | 3 bed, 1 bath; remodeled, described as spacious and ready to live in. |
| Bedrooms | 3 |
| Property type | Single Family Residence |
| Bathrooms | 1 |
| Photos | 11 reported by Clasificados · 11 available here |
Description from Clasificados
Source title: Urb Río Blanco Heights - Naguabo
Remodeled property in good condition. 3 bedrooms, 1 bathroom, living room, kitchen, dining room, and spacious areas. Spacious home ready to live in. Ideal for primary residence or investment. Located in an open, quiet urbanización. Urb. Río Blanco Heights, Naguabo. Near Río Blanco Bakery, AAA Filters Plant, Ralph's Food, Highway 31, and Highway 53. Qualifies for FHA, Rural, Conventional, or cash financing. Only $159,990 in Urb Río Blanco Heights, Naguabo.
REMODELADA - BUENAS CONDICIONES Propiedad remodelada y en buenas condiciones. 3 cuartos, 1 baño, sala, cocina, comedor y espacios amplios. Casa espaciosa y lista para vivirse. Ideal para residencia principal o inversión. Localizada en urbanización abierta y tranquila. Urb. Río Blanco Heights, Naguabo. Cerca Río Blanco Bakery, Planta Filtros AAA, Ralph’s Food, Carr 31, y Autopista 53. Cualifica para financiamiento FHA, Rural, Convencional o venta cash. Solo 159,990 en Urb Río Blanco Heights, Naguabo ?? 813-605-9153 ?? wa.me/18136059153 Alex Raúl Real Estate Lic. 23378 Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — parcel 203-000-007-15 👁 Street View 🛰 Satellite
⛰ 74 ft elevation 🌊 FEMA Zone X — minimal flood
Exact parcel boundary + centroid from the CRIM government cadastre. Elevation: USGS. Flood zone: FEMA NFHL.
Drive times
| Miramar Bar | 21 min | 13.7 mi |
|---|---|---|
| Playa Lucía Disc Golf | 24 min | 18.4 mi |
| Albergue Olímpico Disc Golf | 77 min | 45.1 mi |
| SJU Airport | 59 min | 32.3 mi |
| Costco (Caguas) | 32 min | 17.7 mi |
Area notes
Naguabo is a coastal-to-inland municipio in the northeast, closer to sea level than the central cordillera, with typical humid tropical climate and moderate flood risk in low-lying areas. The listed location near Highway 31 and Highway 53 corridors suggests a suburban/commercial strip development, not elevated terrain. Distance to Humacao (the couple's reference point) is ~15–20 minutes by car. This zone lacks the mountain backdrop or rainforest character they seek.
CRIM & due diligenceParcel record & questions to verify
🏛️ CRIM property record
| CRIM parcel number | 203-000-007-15 |
|---|---|
| How it was matched | Parcel number reported in the listing details |
| Owner of record | NAGUABO JOHN DOE |
| Recorded parcel size | 22.88 acres · 23.56 cuerdas · 92,602.15 m² |
| Assessed value | $2,500 total (land $2,500 + structure $0) — CRIM tax basis, not market value |
| Taxable assessed value | $2,500 |
🏛️ Open official CRIM record Paste an MLS address or CRIM number
The public cadastre identifies the parcel and its assessed values. It does not certify that the account has no current or prior debt; request the seller's CRIM account statement and certification for closing.
Buildability
Already occupied/developed; not land for building.
Questions to verify
- Verify exact elevation, topography, and whether any views (mountain, valley, or otherwise) exist from the property or its surroundings.
- Obtain a flood-zone map and FEMA designation; Highway 31 corridor can be flood-prone during heavy rains.
- Confirm the property is not in a restrictive urbanización covenant that would prevent future expansion or major renovation.
- Request a recent home inspection and title search to verify no structural or lien issues.
- Clarify exact lot size and whether the property includes any land beyond the footprint of the house.
- Verify water and sewer service are municipal and reliable; confirm no septic or well dependency.
Research & sourcesPhotos, web findings & original listing
What the web found
Web results reveal this is a 3-bed, 2-bath home in Río Blanco Heights, Naguabo, likely a move-in ready property with furnishings. A similar property at the same urbanización sold for $100,000. The area sits in a barrio known for proximity to El Yunque National Forest but with documented flooding and landslide hazards.
Also found online:
- Brevitas — Listed as 3 bed, 2 bath; 300 sqft building on 3,229.17 acres (data appears anomalous); mentions furnished with appliances, move-in ready; updated Oct 1, 2025
- KW Puerto Rico — Agent listing for property in Río Blanco Heights, Naguabo; 3 bed, 2 bath, ~800 sqft, 300 m² lot
Seller / agent: Ruby Gonzalez Serrano (Realtor, Brevitas listing); Báez Realty 787-568-9194 (for similar property referral)
Area intel: Recent comparable: similar 3-bed home in Río Blanco Heights sold for $100,000 (2021). Naguabo area market: average single-family home sales $167,995; average listing price $327,542; price per sqft ~$82. Significant hazards: Naguabo has history of severe flooding (2009 Tropical Depression Erika: 7.92 in rainfall; 2010 Hurricane Earl; 2013 districts under flood warnings; Hurricane Maria 2017 caused 6–9 ft inundation in area). Landslide risk documented: USGS monitors Naguabo for landslides; Hurricane Fiona 2022 triggered debris flows that buried homes; area has steep slopes and mountainous terrain near El Yunque.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 11 observations retained
$159,990 · parcel 203-000-007-15 · 11 photos · 3 bed · 1 bath - CRIM Catastro Digital public record · Jul 31, 2026 · 2 observations retained
parcel 203-000-007-15
Match: Official record returned for parcel 203-000-007-15.
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ Official CRIM record (203-000-007-15)Clasificados ID 4899139 · added 2026-07-24