3.5% down
≈ $2,618/mo
≈ $22,750 upfront
Km 4.9 PR #175-1 — Casa Grande Sector, Borinquen Ward, Caguas
$350,000
5 bed3 bath2,145 sqft0.55 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $2,080/mo
≈ $80,500 upfront
Cash
≈ $292/mo
≈ $360,500 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.
43 min Miramar52 min Disc golf49 min SJU
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5-bedroom home with private, nature / trees and mountain setting.
Listing detailsPrice, facts & description
| Location | Borinquen (Barrio/Ward), Caguas |
|---|---|
| Asking price | $350,000 |
| Property | 5 bed, 3 bath; duplex (+ units), recent finishes, move-in ready. |
| Listing address | Km 4.9 Pr #175-1, Caguas, PR 00725 |
| Listed | Jan 31, 2026 |
| Land | 0.55 acres |
| Bedrooms | 5 |
| Property type | Single Family Residence |
| Living area | 2,145 sqft |
| Bathrooms | 3 |
| Listing status | UNDER CONTRACT |
| Photos | 20 reported by Trulia · 20 available here |
| Listing agent | Nicole Borrero · (787) 466-4107 |
Description from Trulia
Source title: Km 4.9 Pr #175-1
Under contract—accepting backup offers. Unique investment opportunity in Caguas, Barrio Borinquen, PR-765. Two-level duplex property ideal for development, primary residence with income generation, or rental model. Nearly 1 acre of land (2,206 sq m) surrounded by fruit trees with direct Río Turabo access. Total construction: 2,145 sq ft. First level: 4+ vehicle parking and independent 1-bedroom, 1-bathroom apartment with kitchen and laundry. Second level: comfortable 3-bedroom, 2-bathroom apartment with double balcony, independent entrances, and laundry area. Located near Borinquen Park; 8.8 miles from Caguas Botanical Garden; 5 miles from Four Seasons Hotel; 11 miles from Plaza Centro; 7.8 miles from Guavate; 2.5 miles from PR-52 Expressway. Sold 'as is, where is.' Power generator and some appliances included. Annual property taxes (CRIM): $2,206 (without exemption). FEMA Zone A (91%), X (0.2%), ACF (moderate flood risk). Zoning: R-G (General Rustic). Ideal for cash buyers seeking Airbnb or long-term rental income, or those planning a custom home build in an accessible, vibrant Caguas neighborhood.
Under contract-accepting backup offers. Casa Grande Sector in Borinquen Ward. Unique investment opportunity in Caguas! This versatile two-level property in Barrio Borinquen, PR-765, is ideal for development or as a primary residence with income-generating potential. With nearly 1 acre of land surrounded by fruit trees and direct access to Río Turabo, this property offers a natural and peaceful environment. It features 2,145 square feet of construction and sits on a 2,206-square-meter lot. The first level includes a 4+ vehicles parking space, and an independent 1-bedroom, 1-bathroom apartment with a kitchen and laundry area. The second level consists of a comfortable 3-bedroom, 2-bathroom apartment with a double balcony, independent entrances, and a laundry area. Strategically located near Borinquen Park, 8.8 miles from the Caguas Botanical Garden, 5 miles from the Four Seasons Hotel, 11 miles from Plaza Centro, 7.8 miles from Guavate, and 2.5 miles from highway Expressway PR-52. The property is being sold "as is, where is." A power generator and some appliances are included. Annual Property Taxes (CRIM): $2,206 (without exemption). FEMA Zone: A (91.0 pct), X 0.2 pct, ACF (moderate flood risk). Zoning: R-G (General Rustic). Ideal for cash buyers seeking to generate income through Airbnb or long-term rentals, or for those looking to build their dream home in one of the most vibrant and accessible areas of Caguas. Don’t miss out on this spectacular opportunity!
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — listing coordinates 👁 Street View 🛰 Satellite
⛰ 481 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 | 43 min | 22.3 mi |
|---|---|---|
| Playa Lucía Disc Golf | 47 min | 27 mi |
| Albergue Olímpico Disc Golf | 52 min | 28.2 mi |
| SJU Airport | 49 min | 28.6 mi |
| Costco (Caguas) | 20 min | 9 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 | 277-074-968-01 |
|---|---|
| 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 BORINQUEN , CARR 765 KM.HM 4.9, PR, Puerto Rico, 00000 |
| Owner of record | SANTANA OCASIO ANGEL L |
| Recorded parcel size | 0.55 acres · 0.56 cuerdas · 2,206.46 m² |
| Last recorded sale | $200,000 on 2011-01-31 · seller MULERO ROSARIO CARM · buyer SANTANA OCASIO ANGEL ⚠️ asking 1.8× the last sale |
| Registry | Finca 21919 · Tomo 1094 · Folio 210 · Escritura 02 |
| Assessed value | $24,223 total (land $635 + structure $23,588) — CRIM tax basis, not market value |
| Taxable assessed value | $9,223 · 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
Property is already developed as a duplex on 0.55 acres (well below the 5-acre threshold). Moderate FEMA flood risk (Zone A, 91%). Zoned R-G (General Rustic) which may restrict new single-family construction. Río Turabo access raises water/setback considerations for new builds.
Questions to verify
- Verify actual parcel acreage and cadastral boundaries; listing claims 'nearly 1 acre' (2,206 m²) vs. stated 0.55 acres.
- Confirm FEMA Zone A (91% of parcel) flood-risk implications and obtain flood elevation/base flood elevation; property sits in Río Turabo vicinity.
- Clarify zoning compliance for duplex structure and rental/income use under R-G (General Rustic) designation; verify any permits or restrictions on two-unit operation.
- Inspect riverfront easements, setbacks, and water-rights; confirm no encroachments or seasonal flooding patterns affecting lower level or parking.
- Review annual CRIM tax ($2,206) and confirm exemption eligibility; assess insurance costs given flood zone.
- Validate structural condition, foundation, and septic/water systems given 'sold as is' language and age of property.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–5 show a duplex on sloped, well-vegetated land with mature trees; the structure has two independent units (ground-level apartment, upper 3-bedroom), both appear move-in-ready with recent finishes, functional kitchens, bathrooms, and laundry. Photos 12–15 confirm riverfront: a stream/water feature is visible on the property, with lush green surroundings and natural vegetation including fruit-bearing trees. Photos 11, 16–20 show interior spaces (bedrooms, bathrooms, common areas) in usable condition with modern fixtures. The terrain slopes noticeably (elevation ~481 ft is moderate), and the property is surrounded by dense vegetation and natural screening, suggesting privacy and some rainforest character. No ocean view is visible in any exterior photo; road access appears via a rural paved approach (photo 1).
Scout-read from listing photos. Verify against the images.
What the web found
The property at Km 4.9 PR #175-1 is listed on multiple agent sites (Donald Taylor/Smith & Associates, Premiere Plus Realty, Tall Pines Realty) as a two-level multi-unit property with 2,145 sq ft and 0.54 acres in Borinquen barrio. It features moderate flood risk (FEMA Zone A) and zoning R-G (General Rustic). This property does NOT qualify for the house track—it comprises two separate apartments (1-bed/1-bath on level 1; 3-bed/2-bath on level 2), which are disqualified per your criteria.
Also found online:
- Donald Taylor/Smith & Associates — MLS #PR9118868; 2,145 sq ft, 2,206 sq m lot (0.54 acres); two apartments; status 'Under contract—accepting backup offers'
- Premiere Plus Realty — MLS #PR9118868; same property; two-level duplex with 1-bed and 3-bed apartments
- Tall Pines Realty — MLS #PR9118868; same property; status 'Under contract—accepting backup offers'
Seller / agent: Agent contact available via listing sites; specific agent name not prominently identified in search results
Area intel: Borinquen barrio is a residential area (2020 population 7,251) near PR-1 and PR-52. Comparable Caguas single-family homes average $245,816 (recent sales); median list price for Caguas is $162,500 with median $164/sq ft. Nearby Borinquen land: PR-765 Km 3.5 (2.16 acres, R-3 zoned) listed at $494,000; PR-763 Km 6.0 (9.23 acres) listed at $220,000. Property has FEMA flood risk (Zone A: 91% of lot, X: 0.2%, ACF moderate) and R-G (General Rustic) zoning. Direct access to Río Turabo; 2.5 miles from PR-52 expressway.
What the sources contribute
Recorded sale history
- Jan 31, 2011 · $200,000 · seller MULERO ROSARIO CARM · buyer SANTANA OCASIO ANGEL (CRIM Catastro Digital)
Exact-property sources
- Trulia primary listing · Jul 26, 2026 · 3 observations retained
$350,000 · UNDER CONTRACT · 5 bed · 3 bath · 2,145 sqft · 0.55 ac · 18.160924911499023, -66.0394058227539 · parcel 277-074-968-01 · Km 4.9 Pr #175-1, Caguas, PR 00725 · Nicole Borrero · 20 photos - CRIM Catastro Digital public record · Jul 26, 2026 · 2 observations retained
parcel 277-074-968-01 · 1 recorded sale
Match: Official record returned for parcel 277-074-968-01.
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ Official CRIM record (277-074-968-01)Trulia ID 460155067 · added 2026-07-26