3.5% down
≈ $1,122/mo
≈ $9,750 upfront
House in Ciudad Cristiana Community Humacao
$150,000
3 bed
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $891/mo
≈ $34,500 upfront
Cash
≈ $125/mo
≈ $154,500 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.
11 min Miramar75 min Disc golf60 min SJU
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3-bedroom home worth a closer look.
Check first
- FEMA Zone AE needs closer review.
Listing detailsPrice, facts & description
| Location | Ciudad Cristiana, Humacao |
|---|---|
| Asking price | $150,000 |
| Property | stated as 'for sale' (implies habitable, but not explicitly confirmed) |
| Bedrooms | 3 |
| Photos | 9 reported by Clasificados · 9 available here |
Description from Clasificados
For sale: house in Ciudad Cristiana community in Humacao. Three bedrooms and one bathroom. Carport for three vehicles and space at the back of the property to build a great outdoor area. Great location closer to the Humacao Balneario and beaches, also beside a natural reserve area, Puerto Rico.
For sale , house in Ciudad Cristiana community in Humacao. Three bedrooms and one bathroom. Carport for 3 vehicles and space at the back of the property to build a great outdoor area. Great location closer to the Humacao Balneario and beaches also beside a Natural reserve area. Puerto Rico
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Ciudad Cristiana, Humacao, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 14 ft elevation 🌊 FEMA Zone AE — flood risk
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 | 11 min | 6.1 mi |
|---|---|---|
| Playa Lucía Disc Golf | 15 min | 10.8 mi |
| Albergue Olímpico Disc Golf | 75 min | 51.6 mi |
| SJU Airport | 60 min | 34.9 mi |
| Costco (Caguas) | 31 min | 19.3 mi |
Area notes
Humacao lies on Puerto Rico's east coast at relatively modest elevation; the municipality blends coastal and slightly elevated interior terrain. Ciudad Cristiana is an inland community within Humacao. The area has tropical climate with typical east-coast rainfall patterns and some flood exposure near lowlands. Proximity to El Yunque National Forest is moderate (roughly 20–30 minutes drive northwest); beaches and the balneario are closer. The natural reserve nearby suggests some undeveloped character, but Humacao itself is fairly urbanized.
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
Space at rear for outdoor expansion noted; no structural, flood, or zoning red flags apparent, but survey and flood-zone verification essential.
Questions to verify
- Site visit to confirm actual elevation, sightlines, and whether views toward mountains or ocean exist from the property.
- Flood zone and FEMA designation—east-coast Humacao parcels can be vulnerable; verify FIRM and any deed restrictions.
- Structural inspection and move-in readiness confirmation: plumbing, electrical, roof, foundation condition, and any liens or code violations.
- Property survey to establish exact acreage, boundaries, and rear buildout feasibility for outdoor expansion.
- Title search and municipal zoning verification—confirm no variances or HOA restrictions on future construction.
- Water and septic status: municipal vs. private; if septic, percolation and capacity for expansion.
Research & sourcesPhotos, web findings & original listing
What the web found
Web search could not locate or verify the specific ClasificadosOnline listing ID 4900034 at $150,000 in Ciudad Cristiana, Humacao. Multiple Ciudad Cristiana properties exist in Humacao, but identity could not be corroborated with matching ID, price, or property details. Humacao area market data shows median values ranging $103,300–$350,000 depending on source.
Area intel: Humacao is located on Puerto Rico's eastern coast. Market data varies by source: Niche reports median home value at $103,300; Xome shows average sold price at $350,000; Christie's reports median listing price around $560,000. The area includes both modest-value properties and upscale developments like Palmas del Mar. Multiple comparable 3-bedroom houses in Humacao range from $90,000–$415,000 depending on condition and location.
What the sources contribute
Exact-property sources
- ClasificadosOnline primary listing · Aug 3, 2026
$150,000 · 9 photos
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Clasificados ID 4900034 · added 2026-08-03