3.5% down
≈ $3,702/mo
≈ $32,175 upfront
Bo Mabu 198 Ave
$495,000
4 bed2.5 bath4,000 sqft1.97 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $2,942/mo
≈ $113,850 upfront
Cash
≈ $413/mo
≈ $509,850 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.
19 min Miramar83 min Disc golf68 min SJU
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4-bedroom home with private, acreage and rural setting.
Listing detailsPrice, facts & description
| Location | Mabu, Humacao |
|---|---|
| Asking price | $495,000 |
| Property | 4 bed, 2.5 bath; two-story, fully furnished and move-in ready. |
| Listing address | Bo Mabu 198 Ave, Humacao, PR 00791 |
| Listed | Jan 29, 2026 |
| Land | 1.97 acres |
| Bedrooms | 4 |
| Property type | Single Family Residence |
| Living area | 4,000 sqft |
| Bathrooms | 2.5 |
| Listing status | Active |
| MLS number | 63515 |
| Photos | 20 reported by Trulia · 36 available here |
| Listing agent | Luis Daniel Valentin Gutierrez · ZR Home Realty · (787) 929-0519 |
Description from Trulia
Excellent property in the tranquility of the countryside, private area with 1.75 cuerdas (1.97 acres) of land. Just minutes from PR-30, restaurants, hospitals, pharmacies, and Humacao town center. Spacious two-story residence with 4 bedrooms and 2.5 bathrooms. Master bedroom has walk-in closet and balcony. Double carport, living room, dining room, remodeled kitchen with new cabinetry, interior laundry, outdoor terrace/party area with bar and swimming pool. 10×14 storage shed with security doors, 500-gallon cistern with motor included, security cameras, solar panels with Tesla battery, and transfer switch for generator. Includes 4 mini-split A/C units, fixtures, and much more.
Excelente propiedad en la tranquilidad del campo, area privada con terreno de 1.75 cuerdas. A solo minutos de la PR-30, restaurantes, hospitales, farmacias y centro del pueblo de Humacao. Amplia residencia de dos niveles con 4 dormitorios y 2.5 baños. Cuarto master tiene Walk-In closet y balcón. Marquesina doble, sala, comedor, cocina remodelada con gabinetes nuevos, laundry interior, terraza exterior o area de fiesta con barra y piscina. Almacén de 10x14 con puertas de seguridad, cisterna de 500 galones con motor incluido, camaras de seguridad, placas solares con batería Tesla, y transfer switch para planta eléctrica. Incluye 4 A/C mini split, lamparas y mucho mas.
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — Mabú (also Mabo), Humacao 👁 Street View 🛰 Satellite
⛰ 183 ft elevation 🌊 FEMA Zone X — minimal flood
Municipio-level only — no barrio resolved; verify the parcel location. Elevation: USGS. Flood zone: FEMA NFHL.
Drive times
| Miramar Bar | 19 min | 6 mi |
|---|---|---|
| Playa Lucía Disc Golf | 23 min | 11 mi |
| Albergue Olímpico Disc Golf | 83 min | 51.7 mi |
| SJU Airport | 68 min | 34.3 mi |
| Costco (Caguas) | 39 min | 18.8 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
Property is improved; not a land play. No indication of buildable upside or additional lot potential.
Questions to verify
- Confirm acreage and parcel boundaries match the listed 1.97 acres; verify cadastral record.
- Inspect pool and cistern systems; confirm solar/Tesla battery system is functional and transferable.
- Verify utility connections (water, sewer, or septic) and confirm potable water source.
- Walk the full perimeter to confirm no easements, encroachments, or undisclosed water/riparian rights.
- Request title search and last sale date/price to verify clear ownership and compare current asking price.
- Confirm structural permits for two-story addition and pool; verify all renovations are legal and permitted.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–2 show a two-story white residential structure set on gently sloping green land with mature trees and shrubs; the property sits at moderate elevation (183 ft) with no visible mountain or ocean vistas. Interior photos (3–15) reveal a fully furnished, move-in-ready home with remodeled kitchen, tile flooring throughout, multiple bedrooms with beds, multiple bathrooms, a living/dining area, and a loft-style second floor with railing. Exterior photos (16–20) document a large swimming pool, patio/entertaining area, and surrounding pastoral countryside with tree coverage but no evident water features (river/stream) on the parcel itself. Vegetation appears to be ornamental and mature shade trees rather than productive fruit trees. The home condition is sound and well-maintained with modern amenities (A/C, solar panels visible in listing text).
Scout-read from listing photos. Verify against the images.
What the web found
Web sources show the address "Bo Mabu 198 Ave" listed on Zillow with different specifications than the original Trulia listing (4-bed house vs. land). A distinct property at nearby Carr 198 Ba Tejas (1.75 cuerdas) was found on a Puerto Rico MLS site with agent Zulane from ZR Home Realty. Humacao is located in a high-flood-risk zone on the southeastern coast with hurricane history; Mabú barrio elevation is 410 feet but coastal and riverside areas are prone to flooding.
Also found online:
- Zillow — Same address listed as 4 bds, 3 ba, 4,000 sqft house (not land); price shown as $495,000; 117+ days on market as of early 2026
- Puerto Rico MLS (Xposure/ListingsPuertoRico) — Nearby property at same road (Bo Mabu, Humacao) listed as 4-bed, 2.5-bath two-story house on 1.75 cuerdas; $495,000 price; agent contact included
Seller / agent: Zulane, ZR Home Realty (License C18673), Phone: (939) 475-4560, HC 5 Box 72256 Guaynabo PR 00971
Area intel: Mabú elevation is 410 ft; Humacao is on the southeast coast in a high-flood-risk zone. 2019 maps flagged Humacao as very likely to flood, especially coastal barrios (Antón Ruiz, Punta Santiago, Río Abajo, Buena Vista, Candelero Abajo). Hurricane Maria (Sept 20, 2017, Cat 4, 155 mph) made landfall near adjacent Yabucoa, with Punta Santiago recording 20+ inches rain in 24 hours and 6-foot storm surge. The 1899 San Ciriaco hurricane produced a 15-foot storm surge near Humacao, reaching one mile inland. Humacao median listing price ~$560,000; active single-family homes ~56 listings; land/lots ~47 listings.
What the sources contribute
Source differences to verify
- lot size: 1.97 from Trulia; 1.7 from ClasificadosOnline
- address: Bo Mabu 198 Ave, Humacao, PR 00791 from Trulia; Bo. Mabu, Humacao from ListingsPuertoRico (Xposure)
- agent name: Luis Daniel Valentin Gutierrez from Trulia; Zulane from ListingsPuertoRico (Xposure)
- agent phone: (787) 929-0519 from Trulia; (939) 475-4560 from ListingsPuertoRico (Xposure)
Exact-property sources
- Trulia primary listing · Jul 26, 2026 · 3 observations retained
$495,000 · Active · 4 bed · 2.5 bath · 4,000 sqft · 1.97 ac · Bo Mabu 198 Ave, Humacao, PR 00791 · Luis Daniel Valentin Gutierrez · 20 photos - ClasificadosOnline same-property listing · Aug 3, 2026 · 5 observations retained
$495,000 · 1.7 ac · 16 photos · 4 bed · 2.5 bath
Match: Near-identical full listing descriptions plus matching municipio, asking price, and property facts. - ListingsPuertoRico (Xposure) same-property listing · Jul 31, 2026
$495,000 · For sale · MLS 63515 · 4 bed · 2.5 bath · 1.7 ac · Bo. Mabu, Humacao · Zulane
Match: Matching address (Bo. Mabu, Humacao), price ($495,000), lot size (1.75 cuerdas = 1.7 acres), barrio, and municipio confirm this is the same property as the original ClassificadosOnline listing.
Sources
Original listingClasificadosOnline listingListingsPuertoRico (Xposure) listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ CRIM map near listing (verify parcel)Trulia ID 460286179 · MLS 63515 · added 2026-07-26