3.5% down
≈ $3,328/mo
≈ $28,925 upfront
State Highway 184 Km #32.4
$445,000
3 bed2.5 bath2,921 sqft0.37 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $2,644/mo
≈ $102,350 upfront
Cash
≈ $371/mo
≈ $458,350 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.
49 min Miramar36 min Disc golf47 min SJU
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3-bedroom home with private, nature / trees and views.
Listing detailsPrice, facts & description
| Location | Guavate (based on PR-184 corridor location; PR-184 junctions include Guavate), Cayey |
|---|---|
| Asking price | $445,000 |
| Property | 3 bed, 2.5 bath; main unit, well-maintained, large interior spaces, balcony/terrace views; second rental unit () on same parcel. |
| Listing address | State Highway 184 Km #32.4, Cayey, PR 00736 |
| Listed | Dec 11, 2025 |
| Land | 0.37 acres |
| Bedrooms | 3 |
| Living area | 2,921 sqft |
| Bathrooms | 2.5 |
| Listing status | Active |
| Photos | 20 reported by Trulia · 20 available here |
| Listing agent | Tracy Melendez · (787) 662-6060 |
Description from Trulia
Beautiful property in Guavate, Cayey, offering cool mountain weather, nature views, and a 1,482 m² (0.37-acre) lot. The home features two concrete housing units, each with its own electric meter, perfect for living in one unit and renting the other, or as an investment. The main home offers 2,921 sq ft, 3 bedrooms, 3 bathrooms, a 2-car garage, excellent roof condition, and a balcony with stunning views. The second unit has 1,500 sq ft, 2 bedrooms, 1 bathroom, and a private entrance. Includes perimeter fencing, open terrace, and large storage area. Great location near PR-184 with easy access to PR-52.
Beautiful property in Guavate, Cayey, offering cool mountain weather, nature views, and a 1,482 m² lot. The home features two concrete housing units, each with its own electric meter, perfect for living in one unit and renting the other, or as an investment. The main home offers 2,921 sq ft, 3 bedrooms, 3 bathrooms, a 2-car garage, excellent roof condition, and a balcony with stunning views. The second unit has 1,500 sq ft, 2 bedrooms, 1 bathroom, and a private entrance. Includes perimeter fencing, open terrace, and large storage area. Great location near PR-184 with easy access to PR-52.
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — listing coordinates 👁 Street View 🛰 Satellite
⛰ 1,538 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 | 49 min | 30.8 mi |
|---|---|---|
| Playa Lucía Disc Golf | 52 min | 35.5 mi |
| Albergue Olímpico Disc Golf | 36 min | 19.1 mi |
| SJU Airport | 47 min | 30.5 mi |
| Costco (Caguas) | 18 min | 11 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 | 300-035-406-60 |
|---|---|
| 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) | BO LAS VEGAS , SEC RANCHO VEGAS KM.HM 32 5, PR, Puerto Rico, 00000 |
| Owner of record | SANTOS TORRES ORLANDO |
| Recorded parcel size | 0.37 acres · 0.38 cuerdas · 1,482.44 m² |
| Last recorded sale | $1 on 1998-03-17 · seller MERCED CORREA ANTONI · buyer SANTOS TORRES ORLAND ⚠️ asking 445000.0× the last sale |
| Registry | Finca 15447 · Tomo 411 · Folio 36 · Escritura 11 |
| Assessed value | $24,136 total (land $250 + structure $23,886) — CRIM tax basis, not market value |
| Taxable assessed value | $9,136 · 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
Already fully built with two structures; no opportunity to build single-family dream home from scratch.
Questions to verify
- Confirm legal status of the two-unit structure: are both units titled as one property, or are there separate deeds/mortgages? Zoning compliance for rental unit.
- Verify the 0.37-acre size and boundary lines; confirm whether both units sit within one parcel or two.
- Inspect roof, foundation, and drainage given the sloped lot and tropical mountain climate; verify no water infiltration in lower spaces.
- Confirm utilities (water supply, sewage handling) for dual-unit occupancy and capacity.
- Title search to ensure no liens or easements related to PR-184 access or utility corridors.
- If couple intends owner-occupancy, clarify plans for the rental unit (tenant in place, legal rental status).
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–5 show a two-story beige/cream concrete house on a modest, sloped lot with mature landscaping (flowering shrubs, palm trees visible). The driveway is gravel/dirt, sloping upward; perimeter fencing and a two-car garage entrance are visible. Interior shots (6–15) reveal a large, open ground-floor recreational space with tile flooring, pool table, and dining area—well-lit and in good condition. Kitchen (12–13) is functional with white cabinetry. Upper-level photos (16–20) show covered terraces with ornamental railings and arched openings, offering green hillside and tree-canopy views outward; no ocean water visible. Vegetation is lush and mature (rainforest-like) but no fruit trees are clearly identifiable. Home appears well-maintained with no obvious structural issues.
Scout-read from listing photos. Verify against the images.
What the web found
The property is listed on both Zillow and Trulia with the same details (3 bd, 3 ba, 2,921 sqft). PR-184 is a rural mountain highway connecting Patillas to Cayey through Guavate, known for its natural attractions including access to Carite Lake and State Forest. Web search found no evidence of other site listings or agent contact details beyond 'Tracy Realty LLC'.
Also found online:
- Zillow — Same listing: 3 bd, 3 ba, 2,921 sqft, $445,000, Gated entry
Seller / agent: Tracy Realty LLC (agent listed on Zillow/Trulia; no phone/email found in search results)
Area intel: Cayey is a mountain municipality in central Puerto Rico. Web sources show Cayey single-family home market with recent sales averaging $293,299, though active FSBO inventory averages $691,528. Comparable properties on or near PR-184 include a 6-bed, 5-bath home at State Highway 184 Guavate listed at $1,100,000 (0.37 acres) and one at $425,000 (6 bed, 5 ba, 3,474 sqft). PR-184 itself is a scenic rural highway bordered by Carite River and Carite Lake, providing access to state forest recreation. The region experiences mountainous terrain and cooler weather typical of Cayey's elevation.
What the sources contribute
Recorded sale history
- Mar 17, 1998 · $1 · seller MERCED CORREA ANTONI · buyer SANTOS TORRES ORLAND (CRIM Catastro Digital)
Exact-property sources
- Trulia primary listing · Jul 26, 2026 · 2 observations retained
$445,000 · Active · 3 bed · 2.5 bath · 2,921 sqft · 0.37 ac · 18.144868850708008, -66.09680938720703 · parcel 300-035-406-60 · State Highway 184 Km #32.4, Cayey, PR 00736 · Tracy Melendez · 20 photos - CRIM Catastro Digital public record · Jul 26, 2026 · 2 observations retained
parcel 300-035-406-60 · 1 recorded sale
Match: Official record returned for parcel 300-035-406-60.
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ Official CRIM record (300-035-406-60)Trulia ID 458821011 · added 2026-07-26