3.5% down
≈ $1,309/mo
≈ $11,375 upfront
Urb. Villa Rosa I, Guayama
$175,000
3 bed1 bath0.08 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $1,040/mo
≈ $40,250 upfront
Cash
≈ $146/mo
≈ $180,250 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.
46 min Miramar29 min Disc golf83 min SJU
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3-bedroom home worth a closer look.
Listing detailsPrice, facts & description
| Location | Villa Rosa, Guayama |
|---|---|
| Asking price | $175,000 |
| Property | 3 bed, 1 bath; (main + studio bathroom), fully remodeled with new electrical, move-in-ready condition. |
| Land | 0.08 acres |
| Bedrooms | 3 |
| Property type | Single Family Residence |
| Bathrooms | 1 |
| Photos | 4 reported by Clasificados · 4 available here |
| Listing agent | 787.543.1176 |
Description from Clasificados
FOR SALE - Villa Rosa I, Guayama - $175,000. Completely remodeled house with new electrical. Main house: 3 bedrooms, 1 full bathroom. Includes independent studio in the rear with its own full bathroom — ideal for rental, business, office, or family guest space. Also has storage room. Complete remodeling and new electrical. Lot size 325 m² (3,498 sq ft). Central location: steps from schools, restaurants, and shopping center. Financing or cash. Ideal for family, professional, or investor. 787.543.1176 (calls/WhatsApp) firmeenpropositopr@gmail.com Rafael E. Valentín, Sale by Owner License C-25626 Puerto Rico
SE VENDE - Villa Rosa I, Guayama - $175,000 Casa remodelada completamente, electricidad nueva. Casa principal: 3 habitaciones, 1 baño completo. Incluye estudio independiente en la parte de atrás con baño completo propio — ideal para renta, negocio, oficina o familiar cerca. También tiene almacén. Remodelación completa Electricidad nueva Terreno 325 m² (3,498 pies²) Ubicación céntrica: a pasos de escuelas, restaurantes y centro comercial Financiamiento o efectivo Ideal para familia, profesional o inversionista. 787.543.1176 (llamadas/WhatsApp) firmeenpropositopr@gmail.com Rafael E. Valentín, Venta por Dueño Lcdo. C-25626 Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Villa Rosa, Guayama, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 125 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 | 46 min | 34.2 mi |
|---|---|---|
| Playa Lucía Disc Golf | 35 min | 26.1 mi |
| Albergue Olímpico Disc Golf | 29 min | 15.2 mi |
| SJU Airport | 83 min | 58.5 mi |
| Costco (Caguas) | 55 min | 39 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
Lot is fully urbanized within Villa Rosa I residential subdivision; no room for expansion or second structure; urban density and zoning preclude building a separate dream home.
Questions to verify
- Confirm lot size and property lines match the listing claim of 325 m² (0.08 acres); verify cadastral record if available.
- Verify the independent studio's legal status and zoning compliance—whether it can be rented or occupied as stated.
- Confirm utilities (water, electric, sewer) are individually metered or shared; clarify cost-sharing if shared.
- Inspect foundation and concrete work for signs of settling or water damage typical of flat urban sites.
- Obtain recent property tax assessment and confirm no outstanding liens or municipal code violations.
- Walk the neighborhood to assess noise, traffic, parking, and flood history in the immediate area given 125 ft elevation near sea level.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photo 1 shows a modest, freshly painted white house with red-tile roof and decorative red-brick railings on a small urban lot, situated on a flat street with power lines and green trees in the background—no elevation or views. Photo 2 reveals a recently renovated kitchen with white cabinetry, marble countertops, and tile flooring in clean, bright condition. Photo 3 shows a remodeled bathroom with a black-frame vent, concrete-finish walls, and new fixtures. Photo 4 displays the rear patio area with white-painted cinder-block privacy wall and red accents, confirming the independent studio mentioned and suggesting tight lot boundaries. The home is clearly move-in-ready but sits on a compact urban parcel with no apparent views, water features, fruit trees, or tropical vegetation—purely suburban/residential character.
Scout-read from listing photos. Verify against the images.
What the web found
Web search found multiple properties in Urb. Villa Rosa, Guayama on major platforms (Zillow, Trulia, FinditPR) and mentions of agents in the area, but could not corroborate the exact $175,000, 0.08-acre parcel. Environmental concerns include nearby coal and oil-fired power plants affecting air and water quality in southern Guayama.
Seller / agent: 787.543.1176 (from original listing)
Area intel: Guayama's coastal area hosts oil and coal-fired power plants that have raised environmental health concerns, with EPA monitoring of air and water pollution ongoing. Recent comparable sales in Guayama range from $51,500 to $299,000 for houses with 1–3 bedrooms on small lots. The area experienced flooding during Hurricane Ernesto in August 2024. Crime rates in Guayama municipio are comparable to Puerto Rico state average.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026 · 5 observations retained
$175,000 · 0.08 ac · 4 photos · 3 bed · 1 bath · 787.543.1176
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4899776 · added 2026-07-31