3.5% down
≈ $2,992/mo
≈ $26,000 upfront
Finca Las Mercedes — Bo. Vacas, Villalba
$400,000
3 bed3 bath42.7338 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $2,377/mo
≈ $92,000 upfront
Cash
≈ $333/mo
≈ $412,000 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.
103 min Miramar60 min Disc golf107 min SJU
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3-bedroom home with private, nature / trees and views.
Listing detailsPrice, facts & description
| Location | Vacas, Villalba |
|---|---|
| Asking price | $400,000 |
| Property | 3 bed, 3 bath; elevated structure with modern interiors, appears move-in-ready with covered terrace. |
| Land | 42.7338 acres |
| Bedrooms | 3 |
| Property type | Casa/Finca |
| Bathrooms | 3 |
| Listing status | For Sale |
| Photos | 18 reported by Facebook · 5 available here |
| Listing agent | Carlos Francisco Martínez Pérez · KW Grand Homes · 939-332-4281 |
Description from Facebook
Finca for sale of approximately 44 cuerdas (42.7 acres) in Bo. Vacas, Villalba, Puerto Rico, within the Bosque Toro Negro forest area. The property, called Finca Las Mercedes, includes a main residence of 3 bedrooms and 3 bathrooms, a separate studio-type apartment, three water springs (ojos de agua) within the finca, panoramic mountain views, terrace and balcony. The listing indicates that prepared areas and terraces with expansion potential exist, subject to permits, and the property currently operates as an Airbnb with income history. The property is presented as an option for residence, hospitality, wellness retreat, corporate retreats, or nature tourism, all subject to applicable permits and approvals. Agent: Carlos Francisco Martínez Pérez, real estate broker Lic. C-23875, KW Grand Homes Lic. E-119, phone 939-332-4281.
Finca en venta de aproximadamente 44 cuerdas en Bo. Vacas, Villalba, Puerto Rico, dentro del entorno del Bosque Toro Negro. La propiedad, llamada Finca Las Mercedes, incluye una residencia principal de 3 habitaciones y 3 baños, un apartamento tipo estudio separado, tres ojos de agua dentro de la finca, vistas panorámicas a las montañas, terraza y balcón. El anuncio indica que existen áreas preparadas y terrazas con potencial de expansión sujeto a permisos, y que actualmente opera como Airbnb con historial de ingresos. El anuncio presenta la propiedad como una opción para residencia, hospedería, retiro de bienestar, retiros corporativos o turismo de naturaleza, todo sujeto a los permisos y aprobaciones aplicables. Agente: Carlos Francisco Martínez Pérez, corredor de bienes raíces Lic. C-23875, KW Grand Homes Lic. E-119, teléfono 939-332-4281.
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Vacas, Villalba, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 2,430 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 | 103 min | 75.7 mi |
|---|---|---|
| Playa Lucía Disc Golf | 92 min | 67.7 mi |
| Albergue Olímpico Disc Golf | 60 min | 35.1 mi |
| SJU Airport | 107 min | 61.5 mi |
| Costco (Caguas) | 86 min | 58.9 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
Large acreage with prepared terraces and expansion zones identified; subject to municipal permits. Toro Negro terrain is steep and forested; confirm flood zone status, road access maintenance responsibility, and whether agricultural classification allows single-family expansion.
Questions to verify
- Verify construction materials (wood vs. concrete) and confirm financing eligibility with lender, per public comments on structural questions.
- Confirm the status and condition of the three water springs (ojos de agua) and their legal/ownership status within the finca.
- Inspect the studio-type apartment separately and clarify its status, habitability, and any licensing/rental implications.
- Verify the property's Airbnb operational status, income history, and any restrictions on owner-occupancy or residential conversion.
- Conduct phase-one environmental review and confirm access road maintenance responsibility and legal easement status.
- Walk the 42.7 acres in person to assess microclimatic conditions, actual fruit trees or forestry assets, and expansion/permitted development potential.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–2 show a striking red elevated house on sloped terrain with mature vegetation surrounding it, confirming mountain elevation and lush plantings. Photo 3 displays a covered terrace with metal railing and panoramic views across green hills and distant mountains, consistent with the advertised mountain views. Photos 4–5 reveal a clean, bright interior with a modern kitchen, wooden accents, and a spacious bedroom with large windows; the terrace photo suggests good natural light and condition. The land is heavily vegetated with tropical growth; no visible fruit trees are clearly identifiable, but the density suggests forest/rainforest character. Road access appears via dirt/unpaved track visible in photos 1–2. No water body (river or ocean) is visible in the contact sheet.
Scout-read from listing photos. Verify against the images.
What the web found
Web search did not locate 'Finca Las Mercedes' (42.7338 acres, $400,000) on major listing sites. Agent Carlos Francisco Martínez Pérez is confirmed with KW Puerto Rico (Keller Williams). Comparable land in Barrio Vacas ranges from $70,000–$272,475. Barrio Vacas sits at 2,100 ft elevation; geologic hazard noted from 2019–20 earthquakes.
Seller / agent: Carlos Francisco Martínez Pérez · 939-332-4281 · KW Grand Homes
Area intel: Barrio Vacas in Villalba sits at 2,100 ft elevation. Earthquake hazard documented: during 2019–20 Puerto Rico earthquakes, rocks rolled down mountainsides in Vacas. Comparable buildable land in the same barrio (Carr 561 area) ranges $70,000–$272,475 for parcels from 0.41 to 18.48 acres. KW Puerto Rico (rebranded from Grand Homes Real Estate) is active in the area.
What the sources contribute
Exact-property sources
- Facebook primary listing · Jul 30, 2026 · 2 observations retained
$400,000 · For Sale · 3 bed · 3 bath · 42.7338 ac · Carlos Francisco Martínez Pérez · 5 photos
Sources
Original Facebook postGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Facebook ID pfbid02AYju4hRwpZ1Thz3cUfR1xQfHNbo8VeLDChupDrScMaMSoccnwJno85DErkBkpNpUl · added 2026-07-30
Useful details from public comments
Comment-sourced leads and observations—not verified listing facts. Confirm anything important with the broker, inspector, or official record.