3.5% down
≈ $4,039/mo
≈ $35,100 upfront
38 Flor Marina
$540,000
3 bed3 bath
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $3,209/mo
≈ $124,200 upfront
Cash
≈ $450/mo
≈ $556,200 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.
23 min Miramar86 min Disc golf65 min SJU
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3-bedroom home with private, views and mountain setting.
Listing detailsPrice, facts & description
| Location | Mar Caribe (urbanization), Naguabo |
|---|---|
| Asking price | $540,000 |
| Property | 3 bed, 3 bath; furnished, in very good condition, move-in ready. |
| Listing address | 38 Flor Marina, Naguabo, PR 00718 |
| Listed | Feb 13, 2025 |
| Bedrooms | 3 |
| Bathrooms | 3 |
| Listing status | Active |
| Photos | 20 reported by Trulia · 20 available here |
| Listing agent | Tammy Davila · (787) 479-9591 |
Description from Trulia
Located in the exclusive Mar Caribe community, Naguabo. This 3-bedroom, 3-bathroom home features stunning 180-degree ocean views with unobstructed Atlantic sunrise views, wide Caribbean Sea views to the south, and sunset views over forested hills to the west in a close-knit community. First floor: 1,222 SF; gross living area 1,206 SF on a 718 SM (0.18 acre) lot. Amenities include laundry room, storm shutters, perimeter concrete wall, large paved parking area, remote-controlled driveway gate, and central air conditioning. Wrap-around balcony with panoramic views. Located 2 minutes from Naguabo Malecón, 10 minutes from Humacao, 10 minutes from Fajardo. HOA: $50/month. Requires qualification letter and proof of funds; not subject to appraisal.
Located in the exclusive Mar Caribe, Naguabo. This ultimate intimacy 3 bedrooms-3 bathrooms home features a stunning 180 degree ocean view with an unobstructed views of the sunrise over the Atlantic Ocean, wide ocean views of the Caribbean Sea to the south, and sunset views over the forested hills to the west in a close clommunity. It includes a laundry room, supplemental storm shutters, a perimeter concrete wall on the property line, a large paved parking area, a remote-controlled driveway gate and central air conditioner and a wrap around balcony with a unique view and central air conditioning. 2 minutes away from Naguabo Malecón, 10 minutes to Humacao and 10 minutes to Fajardo. Requirements to schedule appointment: Qualification letter and proof of funds. Not subject to appraisal value. HOA $50.00 First floor 1,222 SF and 1,206 gross living are with 718 SM lot.
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — listing coordinates 👁 Street View 🛰 Satellite
⛰ 82 ft elevation 🌊 FEMA Zone X — minimal flood
Exact coordinates supplied in the listing; confirm them against the parcel boundary. Elevation: USGS. Flood zone: FEMA NFHL.
Drive times
| Miramar Bar | 23 min | 13.4 mi |
|---|---|---|
| Playa Lucía Disc Golf | 27 min | 18.2 mi |
| Albergue Olímpico Disc Golf | 86 min | 58.9 mi |
| SJU Airport | 65 min | 42.3 mi |
| Costco (Caguas) | 43 min | 26.7 mi |
CRIM & due diligenceParcel record & questions to verify
🏛️ CRIM property record
⚠️ Candidate parcel—not yet confirmed. The CRIM facts and sale history below belong to the parcel under the exact listing pin. Confirm the boundary before treating them as facts about this listing.
| CRIM parcel number | 282-008-013-24 |
|---|---|
| How it was matched | Parcel candidate from the exact listing pin and the February 2025 Planning Board parcel layer; verify in current CRIM |
| Address (CRIM) | URB MAR CARIBE , SOLAR 38, PR, Puerto Rico, 00000 |
| Owner of record | CLEMENT AVELLA JOSEPH |
| Recorded parcel size | 0.18 acres · 0.18 cuerdas · 718.03 m² |
| Last recorded sale | $240,000 on 2001-11-30 · seller RODRIGUEZ GORBEA EDM · buyer CLEMENT AVELLA JOSEP ⚠️ asking 2.3× the last sale |
| Registry | Finca 11465 · Tomo 204 · Folio 220 · Escritura 19 |
| Assessed value | $17,396 total (land $1,395 + structure $16,001) — CRIM tax basis, not market value |
| Taxable assessed value | $2,396 · exoneration $15,000 |
🏛️ Open official CRIM record Paste an MLS address or CRIM number
The public cadastre identifies the parcel and its assessed values. It does not certify that the account has no current or prior debt; request the seller's CRIM account statement and certification for closing.
Buildability
Improved residential property in a gated community; not raw land suitable for building.
Questions to verify
- Confirm actual lot size and legal parcel boundary (listing claims 0.18 acre / 718 SM); verify against CRIM if available.
- HOA rules and enforcement: verify the $50/month cap, any special assessments, and restrictions on rental or future modifications.
- Hurricane insurance and flood insurance availability in Zone X; confirm prior claims history.
- Structural inspection of wrap-around balconies and concrete finish (age, cracks, salt-spray exposure in coastal zone).
- Utilities: water pressure, septic or municipal sewer, power reliability, and any deed restrictions on future improvements.
- Title search and proof of clear ownership; confirm no HOA or municipal liens.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–5 show a substantial 2–3 story concrete home on elevated terrain with wide, unobstructed views toward the ocean and horizon (Atlantic to north/east, Caribbean to south); wrap-around balconies and large covered carport confirm the architectural layout. Photos 8–10 reveal bright, well-maintained living spaces with panoramic ocean views through large windows and doors; furnishings and finishes appear current. Photos 11–20 document interior rooms (bedrooms, bathrooms, dining, kitchen) in good condition with terracotta/tile flooring throughout. Vegetation visible in surrounding photos is typical coastal scrub and managed landscaping; no obvious fruit trees or rainforest characteristics. The 0.18-acre lot is small and heavily built, with concrete perimeter wall providing privacy from neighbors. Road access and storm infrastructure (shutters, gate, AC) are all present.
Scout-read from listing photos. Verify against the images.
What the web found
The property is a completed 3-bedroom, 3-bathroom coastal home in the Mar Caribe urbanization with ocean views, listed on multiple platforms (Zillow, Nest Seekers, Kaufman Realty, finditpr) at prices ranging from $459,000–$545,000, with an HOA of $50/month. It qualifies for the house track and measures approximately 718–1,206 sq ft depending on the source.
Also found online:
- Zillow — Listed at $540,000 for 3 bd/3 ba house with wrap-around balcony; also appears on multiple Zillow neighborhood pages
- Kaufman Realty & Auctions — Detailed listing describing 180° ocean views, storm shutters, wrap-around balcony, gated driveway, 1,222 SF first floor, 718 SM lot, 2 min from Naguabo Malecón
- Nest Seekers — Same property description with 180° ocean view, laundry room, central AC, qualified contact required
- finditpr — Listed at $459,000–$545,000 with varying dates; shows 3 bd/3 ba, 718–1,206 SF depending on source
- KW Puerto Rico (Keller Williams) — Same property listed; offers agent contact pathway
- Puerto Rico REALTORS® MLS — Listed in multiple MLS searches as '38 FLOR MARINA Mar Caribe, Naguabo, PR'
Seller / agent: TL REALTY (listed agent on multiple platforms)
Area intel: Comparable homes in Naguabo range from $149,000–$1,650,000 depending on size and amenities. A 3 bd/3 ba condo at $255,000–$350,000 and a 4 bd/3 ba house at $529,000–$549,000 are recent comps. Naguabo is a coastal municipality with historical flood-prone areas; CambLabora Street in Naguabo Beach is documented as flood-prone by the U.S. National Weather Service. The Mar Caribe area is described as an exclusive, gated oceanfront enclave within walking distance of the beach.
What the sources contribute
Recorded sale history
- Nov 30, 2001 · $240,000 · seller RODRIGUEZ GORBEA EDM · buyer CLEMENT AVELLA JOSEP (CRIM Catastro Digital)
Exact-property sources
- Trulia primary listing · Jul 26, 2026 · 2 observations retained
$540,000 · Active · 3 bed · 3 bath · 18.184438705444336, -65.7043685913086 · parcel 282-008-013-24 · 38 Flor Marina, Naguabo, PR 00718 · Tammy Davila · 20 photos - CRIM Catastro Digital public record · Jul 26, 2026 · 2 observations retained
parcel 282-008-013-24 · 1 recorded sale
Match: Official record returned for parcel 282-008-013-24.
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ Official CRIM record (282-008-013-24)Trulia ID 442342948 · added 2026-07-26