3.5% down
≈ $3,941/mo
≈ $34,255 upfront
741 Km 0.9 Culebra Bajo, Cayey, PR 00736
$527,000
4 bed3.5 bath2,527 sqft0.97 ac
Down $23,000 from the original $550,000 · last drop Apr 30, 2026
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $3,132/mo
≈ $121,210 upfront
Cash
≈ $439/mo
≈ $542,810 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.
57 min Miramar32 min Disc golf55 min SJU
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4-bedroom home with mountain setting and rural setting.
Listing detailsPrice, facts & description
| Location | Culebra Bajo, Cayey |
|---|---|
| Asking price | $527,000 |
| Property | 4 bed, 3.5 bath; two-car garage, appears move-in-ready with clean exterior finish. |
| Listing address | 741 Km 0.9 Culebra Bajo |
| Listed | Jan 28, 2026 |
| Land | 0.97 acres |
| Bedrooms | 4 |
| Property type | Single Family Residence |
| Living area | 2,527 sqft |
| Bathrooms | 3.5 |
| Year built | 2000 |
| Listing status | Active |
| MLS number | PR9118873 |
| Photos | 9 reported by Trulia · 3 available here |
| Listing agent | Dollian Pastoriza Martinez · LA ROSA REALTY CW PROPERTIES · 787-209-2875 |
Description from Trulia
Source title: 741 Km 0.9 CULEBRA BAJO, Cayey, PR 00736
Rural four-bedroom, three-and-a-half-bath home in the hills of Cayey with cool mountain breezes, open green surroundings, and a tranquil setting minutes from town conveniences. The listing states it is about 15 minutes from the expressway, 7 minutes from shopping centers and a supermarket, and close to Jajome. Features a two-car attached garage and no HOA. Acreage not specified.
Rural four-bedroom, three-and-a-half-bath home in the hills of Cayey with cool mountain breezes, open green surroundings, and a tranquil setting minutes from town conveniences. The listing says it is about 15 minutes from the expressway, seven minutes from shopping centers and a supermarket, and close to Jajome. It has a two-car attached garage and no HOA.
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — listing coordinates 👁 Street View 🛰 Satellite
⛰ 1,368 ft elevation
Exact coordinates supplied in the listing; confirm them against the parcel boundary. Elevation: USGS. Flood zone: FEMA NFHL.
Drive times
| Miramar Bar | 57 min | 35.5 mi |
|---|---|---|
| Playa Lucía Disc Golf | 61 min | 40.3 mi |
| Albergue Olímpico Disc Golf | 32 min | 16.2 mi |
| SJU Airport | 55 min | 35.2 mi |
| Costco (Caguas) | 27 min | 15.8 mi |
CRIM & due diligenceParcel record & questions to verify
🏛️ CRIM property record
Parcel number reported by a property source. The current CRIM record has not been retrieved yet; verify the number and boundary in the official map.
| CRIM parcel number | 34800004859001 |
|---|---|
| How it was matched | Parcel number reported in the listing details |
🏛️ 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
Property appears to already have a structure; not a buildable land opportunity.
Questions to verify
- Confirm actual parcel size and cadastre against the listed 0.97 acres (no CRIM record supplied).
- Verify road access, easement, and driveway ownership/maintenance responsibility.
- Inspect for any flooding history or stormwater management on the sloped lot.
- Walk the property boundary to assess privacy, vegetation density, and any hidden water features or fruit trees not visible in photos.
- Confirm municipal services (water, sewer, electric) are connected and in good standing.
- Review title for liens, HOA (listed as none), and any agricultural or conservation easements in Cayey's rural zone.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1 and 2 show a two-story residential home with bright lime-green and cream exterior, dual attached garages, and well-maintained paved driveway in good condition. The property sits on elevated terrain; photo 3 reveals a covered patio/gazebo structure overlooking open pastoral land with modest vegetation—no dense rainforest visible, no fruit trees identifiable, and no water features (river, stream, or coast) visible from any angle. The home appears move-in-ready with clean lines and finished exterior. Surroundings are rural but open and cleared rather than private or heavily vegetated; views are of pastoral hills rather than mountain vistas or ocean.
Scout-read from listing photos. Verify against the images.
What the web found
Web search confirms this is a 4-bedroom, 3.5-bathroom single-family home (not buildable land) with 2,527 sq ft built on 0.97 acres in the mountain barrio of Culebras Bajo at approximately 2,510 ft elevation. The property is listed on multiple broker sites including Kelly Right Realty and Royal Shell, and the Cayey mountains region experiences natural hazards including flooding, landslides, and high rainfall on windward slopes.
Also found online:
- Kelly Right Realty — Confirms 4 bed / 3.5 bath house (2,527 sq ft) on 0.97 acres with matching MLS ID and price; provides agent contact and property year built.
- Estately — Confirms listing on Estately with matching MLS ID, price, beds, and baths.
Seller / agent: Dollian Pastoriza Martinez · 787-209-2875 · LA ROSA REALTY PUERTO RICO
Area intel: Culebras Bajo is a mountainous barrio at approximately 2,510 ft elevation in the Sierra de Cayey range. The region experiences natural hazards including flooding and landslides. The USGS maintains a landslide monitoring station in the Cayey mountains above the town. Pronounced orographic effects from the Sierra de Cayey create high rainfall on windward slopes; the La Plata River, which runs through Cayey, has caused significant flooding during hurricane events (e.g., Hurricane Fiona 2022). Mountain terrain comprises ~75% of Puerto Rico's geography, and the Cordillera Central and Sierra de Cayey form a climatic divide between wetter northern slopes and drier southern slopes. Recent comparable sales in Cayey area (as of Feb 2026): 3-bedroom house $445,000 (Beatriz, 2,921 sq ft); buildable land in Culebra Bajo area $110,000 (approx. 2 cuerdas/1.94 acres). Cayey average single-family home price ~$691,528.
What the sources contribute
Listing price history
- Jan 28, 2026 · Listed for sale · $550,000 (Trulia)
- Apr 30, 2026 · Price change · $527,000 (Trulia)
Source differences to verify
- bathrooms: 3.5 from Trulia; 4 from Estately
- agent brokerage: LA ROSA REALTY CW PROPERTIES from Estately; LA ROSA REALTY PUERTO RICO from Trulia
Exact-property sources
- Trulia primary listing · Jul 31, 2026 · 2 observations retained
$527,000 · Active · MLS PR9118873 · 4 bed · 3.5 bath · 2,527 sqft · built 2000 · 741 Km 0.9 Culebra Bajo · 18.114046096801758, -66.15857696533203 · parcel 34800004859001 · Dollian Pastoriza Martinez · 3 photos - Trulia same-property listing · Jul 31, 2026
$527,000 · Active · MLS PR9118873 · 4 bed · 3.5 bath · 2,527 sqft · 0.97 ac · built 2000 · 741 Km 0.9 Culebra Bajo, Cayey, PR 00736 · 18.114046096801758, -66.15857696533203 · parcel 34800004859001 · Dollian Pastoriza Martinez · 2 price events
Match: The source record is the exact Trulia page supplied for 741 Km 0.9 Culebra Bajo and carries the same MLS ID, parcel number, address, price, and coordinates as the imported listing. - Kelly Right Realty same-property listing · Jul 31, 2026
$527,000 · Active · MLS PR9118873 · 4 bed · 3.5 bath · 2,527 sqft · 0.97 ac · built 2000 · 741 Km 0.9 Culebra Bajo, Cayey, PR 00736 · 787-209-2875
Match: MLS ID PR9118873, price $527,000, 4 beds, 3.5 baths, 2,527 sq ft, same address and Km 0.9 marker, published 133 days on market - Estately same-property listing · Jul 31, 2026
$527,000 · MLS PR9118873 · 4 bed · 4 bath · 2,527 sqft · 0.97 ac · 741 Km 0.9 Culebra Bajo, CAYEY, PR 00736
Match: MLS ID PR9118873, price $527,000, 4 beds, 4 baths, 2,527 sq ft (note: bathrooms count differs), listed by LA ROSA REALTY CW PROPERTIES
Sources
Original listingKelly Right Realty listingEstately listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ Official CRIM record (34800004859001)Trulia ID 460014352 · MLS PR9118873 · added 2026-07-31