3.5% down
≈ $3,552/mo
≈ $30,869 upfront
Urb. Ciudad Jardín, Los Sueños, Gurabo
$474,900
4 bed2.5 bath0.09 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $2,822/mo
≈ $109,227 upfront
Cash
≈ $396/mo
≈ $489,147 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.
27 min Miramar63 min Disc golf41 min SJU
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4-bedroom home worth a closer look.
Listing detailsPrice, facts & description
| Location | Los Suenos De Ciudad Jardin, Gurabo |
|---|---|
| Asking price | $474,900 |
| Property | 2.5 bath; 1,806 sq ft, move-in ready with solar+Tesla, modern finishes, no visible defects. |
| Land | 0.09 acres |
| Bedrooms | 4 |
| Property type | Single Family Residence |
| Bathrooms | 2.5 |
| Photos | 16 reported by Clasificados · 16 available here |
Description from Clasificados
Source title: Urb. Ciudad Jardín, LOs Sueños, Gurabo
Discover this spectacular residence designed to provide comfort, style, and energy efficiency. The property features: 4 spacious bedrooms, 2.5 bathrooms, spacious family room, modern kitchen with elegant waterfall countertop, dining area, independent laundry room, double carport with garage door, 377 square meters (0.09 acres) of land, and 1,806 sq ft of living space. Includes: stove and microwave, solar water heater, water cistern, 5 ceiling fans, 5 inverter air conditioning units, 15 solar panels with Tesla battery (balance remaining) and net metering. The urbanization offers resort-style amenities including: swimming pools, gymnasium, pickleball courts, coffee shops, restaurants, and many other facilities for family enjoyment. HOA: $175/month. Know the house that could become your next home! Schedule an appointment today.
Descubre esta espectacular residencia diseñada para brindarte comodidad, estilo y eficiencia energética. La propiedad cuenta con: 4 amplias habitaciones, 2.5 baños, espaciosa sala familiar, moderna cocina con elegante tope en cascada, área de comedor, laundry independiente, marquesina doble con puerta de garaje, 377 Metros de Terreno y 1,806 Sqf. Además, incluye: Estufa y microondas, calentador solar, cisterna de agua, 5 abanicos de techo, 5 aires acondicionados inverter, 15 placas solares con batería Tesla (saldo) con medición neta. La urbanización ofrece amenidades tipo resort, incluyendo: Piscinas, gimnasio, canchas de pickleball, coffee shops, restaurantes y muchas otras facilidades para disfrutar en familia. HOA: $175 ¡Conozca la casa que puede convertirse en su próximo hogar! Haga su cita hoy mismo SOMOS SU ALTERNATIVA SEGURA ✅ Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Ciudad Jardín, Gurabo, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 221 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 | 27 min | 15.5 mi |
|---|---|---|
| Playa Lucía Disc Golf | 31 min | 20.3 mi |
| Albergue Olímpico Disc Golf | 63 min | 36.1 mi |
| SJU Airport | 41 min | 22.1 mi |
| Costco (Caguas) | 17 min | 8.7 mi |
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
Urbanized lot in residential development; no buildable land here—this is a finished property only.
Questions to verify
- Confirm lot size matches 0.09 acres (377 m²) and verify parcel boundaries against CRIM cadastre.
- Verify HOA fee ($175/month) covers all listed amenities and confirm any special assessments or pending infrastructure projects.
- Review Tesla battery warranty, remaining balance, and net-metering agreement with utility; confirm solar system is fully registered and transferable.
- Inspect all 5 A/C units and 15 solar panels for age, condition, and maintenance records.
- Confirm water cistern capacity and quality; verify municipal water supply is reliable in Gurabo.
- Walk the neighborhood to assess actual privacy, noise levels, and whether the urbanization matches the couple's lifestyle needs given the absence of natural features.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–4 and 13–14 show a modern, finished 4-bedroom house in an urbanization with resort amenities (pools, common areas visible in aerial shots 15–16). Interior shots (2–12) reveal a well-maintained home with tile flooring, modern kitchen with waterfall countertop, multiple A/C units, solar panels, and Tesla battery visible in photo 12. Photos 13–14 show a covered patio and landscaped yard with minimal natural vegetation. Photos 15–16 are aerial/site-plan views of the urbanization layout; no elevation gain, water features, fruit trees, or ocean/river views are visible. The property sits in a dense residential grid with uniform lot sizes and manicured common grounds—no rainforest, privacy screening, or natural topography evident.
Scout-read from listing photos. Verify against the images.
What the web found
No matching property found on other major listing sites; this ClasificadosOnline listing (0.09 acres, $474,900) appears exclusive to that platform. Ciudad Jardín Los Sueños is a gated planned community in Gurabo with resort-style amenities and recent comparable home sales in the $390K–$550K range, though the 0.09-acre size and three-bedroom designation do not align with the typical 2,000+ sq ft finished homes recently sold there.
Area intel: Ciudad Jardín Los Sueños is an exclusive, gated, planned community offering clubhouse, fitness center, pool, sports courts, playground, restaurant, and security. Recent comparable homes in the same development sold in the $390,000–$550,000 range for 3–4 bedroom houses (2,000–2,100 sq ft). Gurabo market data shows average recent home sales around $214,113 with average costs of $121 per sq ft; single-family homes average $480,930 (recent data). Gurabo sits 25 minutes from San Juan and is one of Puerto Rico's fastest-growing towns. Terrain: Gurabo is in the foothills of the Sierra de Luquillo with hilly topography (nicknamed 'City of Stairs'). Hazards: Gurabo has historical flood susceptibility (Hurricane Cristina 1973 caused evacuations) and Puerto Rico broadly faces rainfall-induced landslide risks; the USGS has mapped landslide susceptibility across the island.
Sources: [1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 7 observations retained
$474,900 · 0.09 ac · 16 photos · 2.5 bath
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4899744 · added 2026-07-30