3.5% down
≈ $3,552/mo
≈ $30,875 upfront
Ciudad Jardín Urbanization, Vista Lago, Gurabo PR
$475,000
4 bed2,600 sqft0.12 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $2,823/mo
≈ $109,250 upfront
Cash
≈ $396/mo
≈ $489,250 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.
30 min Miramar55 min Disc golf40 min SJU
No photos downloaded.
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4-bedroom home worth a closer look.
Check first
- FEMA Zone AE needs closer review.
Listing detailsPrice, facts & description
| Location | Vista Lago, Gurabo |
|---|---|
| Asking price | $475,000 |
| Property | 4 bed; 3 full bath, ~2,600 sqft, move-in ready with quartz counters, solar hot water, new appliances, master suite with walk-in closet and separate tub/shower. |
| Land | 0.12 acres |
| Bedrooms | 4 |
| Property type | Single Family Residence |
| Living area | 2,600 sqft |
| Photos | 0 reported by Clasificados · 0 available here |
Description from Clasificados
Source title: Ciudad Jardin Urb Vista Lago Gurabo PR
House in Vista Lago Urbanization, Ciudad Jardín, Gurabo PR. Large model. 4 bedrooms / 3 full bathrooms. Open-concept layout. Approximately 2,600 square feet of construction on a 500 square-meter (0.12-acre) lot. Mirror-tinted doors and screens throughout. Solid quartz countertops in kitchen and bathrooms. Master bedroom features walk-in closet with separate shower and soaking tub. Natural light throughout. Solar water heater and backup line heater. Double carport. New appliances (negotiable). Property is move-in ready.
Casa en Urb Vista Lago en Ciudad Jardín, Gurabo PR. Modelo grande. 4C/3B. "Open Concept". Medidas aproximadas: 2600 pies cuadrados construcción. Solar 500 metros. Puertas con tinte "mirror". Screens. Topes sólidos en "quartz" en cocina y baños. El master tiene walking closet, y ducha y bañera separadas. Luz natural en toda la casa. Calentador solar, y calentador de línea. Marquesina doble. Enseres son nuevos y negociables. 4 bedrooms, 3 full bathrooms. Open Concept. Approx. 2600 sqft. construction, and 500 sq. meter land. Solid-quartz countertops in kitchen and bathrooms. Master with walking closet and separate shower and tub. Natural light. Solar Water heater. Appliances are new and would be negotiable. Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Mamey barrio (or Bo. Mamey), Gurabo 👁 Street View 🛰 Satellite
⛰ 160 ft elevation 🌊 FEMA Zone AE — flood risk
Municipio-level only — no barrio resolved; verify the parcel location. Elevation: USGS. Flood zone: FEMA NFHL.
Drive times
| Miramar Bar | 30 min | 18.1 mi |
|---|---|---|
| Playa Lucía Disc Golf | 33 min | 22.8 mi |
| Albergue Olímpico Disc Golf | 55 min | 31.7 mi |
| SJU Airport | 40 min | 25.1 mi |
| Costco (Caguas) | 9 min | 4.2 mi |
Area notes
Gurabo is a mid-elevation interior municipality in the eastern region, approximately 15–20 minutes inland from Humacao by car. The terrain is gently rolling, with modest elevation gains but no mountain vistas or dramatic peaks. The area is suburban and urbanización-dense, typical of commuter-belt development; it lacks the rainforest character and privacy of more rural or elevated locales. Climate is tropical with moderate rainfall; no significant flood designation, but proximity to seasonal weather patterns is standard.
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; home already built. Lot is too small (0.12 acres) and urbanización rules would prevent secondary structures.
Questions to verify
- Confirm property is not in FEMA flood zone and request flood insurance history.
- Verify HOA covenants, fees, and restrictions for Ciudad Jardín urbanización (rules on exterior modifications, rentals, vehicle limits, etc.).
- Inspect the solar water heater system and backup line heater; confirm age and maintenance records.
- Walk the property and surrounding blocks; confirm natural light claims and sightlines (the 0.12-acre lot will have close neighbors).
- Request a structural/termite/mold inspection by a certified Puerto Rico engineer; verify roof condition and any water intrusion history.
- Confirm that appliances are indeed negotiable and new; ask for receipts and warranty transfer documentation.
Research & sourcesPhotos, web findings & original listing
What the web found
No independent listing sources found matching the exact property details on major platforms. Ciudad Jardín is a planned master community in Gurabo with gated access, amenities, and school facilities; recent sales of 3–4 bedroom houses in the area range $238,000–$550,000+, with an average price around $270,000–$300,000 for Gurabo homes generally.
Area intel: Ciudad Jardín is a gated master-planned resort/country club community near PR-30, approximately 10–15 minutes from Caguas and 20–25 minutes from San Juan. The broader Gurabo market shows recent sales averaging $270,124 with $133/sqft; single-family home averages $480,930 in some datasets, though recent comparable sales range $238,000–$500,000+. Homes typically spend 56–60 days on market. Notable comparable: 4-bed, 3-bath Ciudad Jardín Calle Anamú home (2800 sqft) sold for $499,000; 4-bed, 2.5-bath Los Altos de Ciudad Jardín homes listed $420,000–$500,000+.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 8 observations retained
$475,000 · 0.12 ac · 4 bed · 2,600 sqft
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4899268 · added 2026-07-25