3.5% down
≈ $1,421/mo
≈ $12,350 upfront
Valenciano District, 5 bed / 3 bath, $190,000
$190,000
5 bed2 bath
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $1,129/mo
≈ $43,700 upfront
Cash
≈ $158/mo
≈ $195,700 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.
28 min Miramar60 min Disc golf46 min SJU
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5-bedroom home worth a closer look.
Listing detailsPrice, facts & description
| Location | Reparto Valenciano, Juncos |
|---|---|
| Asking price | $190,000 |
| Property | 5 bed, 2 bath; (listing says but photo and text show 2), appears move-in-ready with carport and recent paint. |
| Bedrooms | 5 |
| Bathrooms | 2 |
| Photos | 1 reported by Clasificados · 1 available here |
| Listing agent | 787-612-1079 |
Description from Clasificados
Source title: Reparto Valenciano 5h/3b $190,000
Spacious and comfortable property with 5 bedrooms, 2 bathrooms, living room, dining room, kitchen, balcony, carport for 3 vehicles, storage, and covered terrace. Includes linear water heater and cistern. Minutes from PR-30 with quick access to major highways. For more information call or text 787-612-1079 Puerto Rico.
Amplia y cómoda propiedad de 5 dormitorios, 2 baños, sala, comedor, cocina, balcón, marquesina para 3 vehículos, “storage” y terraza techada. Incluye calentador lineal y cisterna. A minutos de la PR-30 y rápido acceso a principales carreteras. Para mas información llamar o enviar texto al 787-612-1079 Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Reparto Valenciano, Juncos, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 303 ft elevation
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 | 28 min | 15.8 mi |
|---|---|---|
| Playa Lucía Disc Golf | 31 min | 20.6 mi |
| Albergue Olímpico Disc Golf | 60 min | 34.2 mi |
| SJU Airport | 46 min | 27.6 mi |
| Costco (Caguas) | 15 min | 6.7 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
Property is already developed with a home; not suitable for the land/build-dream-home track.
Questions to verify
- Confirm actual bathroom count (listing text says 3, description implies 2); verify all 5 bedrooms are legal/egress-compliant.
- Measure actual lot size and survey boundaries; photos suggest a small, constrained parcel.
- Inspect water heater, cistern, and plumbing condition given Puerto Rico's corrosion environment.
- Verify zoning and any flood-zone classification (USGS elevation is moderate but neighborhood density may affect drainage).
- Walk the property in person; assess noise, sun exposure, and neighbor proximity before commit.
- Confirm parking adequacy for 3 vehicles and whether any community/HOA restrictions apply.
Research & sourcesPhotos, web findings & original listing
What the photos show
The single contact-sheet photo shows a modest concrete-block house with a red tile roof, metal security gates/bars on windows and doors, and a carport visible on the left. The home sits on a small, flat urban lot in what appears to be a dense residential neighborhood with adjacent properties close by. No elevation change, water features, fruit trees, or views are evident; the setting is typical suburban/small-town residential. The property appears to be in fair condition—painted, intact roof, functional structure—but is tightly bounded and lacks the scenic or natural amenities listed in the couple's loves.
Scout-read from listing photos. Verify against the images.
What the web found
Web searches identified comparable lower-priced homes in Juncos and documented Juncos's exposure to hurricane and flood hazards. A 4-bed/6-bath property at higher price point ($230,000) appears on Zillow. The $190,000 listing is below typical current market appreciation but specific property details and agent contact remain unavailable from secondary sources.
Area intel: Juncos experienced severe hurricane damage from Maria (2017, Category 4, ~$25M damage to homes) and Fiona (2022, Category 1, flooding with up to 20 inches rainfall in affected areas), with landslide risks noted. The municipality assesses earthquake, flood, landslides, and high winds as natural hazards. Puerto Rico's overall housing market showed price growth of 14.95% year-over-year in Q4 2025 per FHFA data, though individual municipality trends vary. A comparable Juncos listing on Zillow shows 4 bed/6 bath at $230,000. A 1-bed/1-bath house in Juncos listed at $88,000. Construction in Puerto Rico averages ~$300/sq ft per 2026 data.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 5 observations retained
$190,000 · 1 photo · 5 bed · 2 bath · 787-612-1079
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4899768 · added 2026-07-30