3.5% down
≈ $3,366/mo
≈ $29,250 upfront
State Highway 757 Km 1.7 Int #4, Patillas, PR 00723
$450,000
4 bed3.5 bath1,236 sqft0.44 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $2,674/mo
≈ $103,500 upfront
Cash
≈ $375/mo
≈ $463,500 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.
36 min Miramar43 min Disc golf84 min SJU
Your take
What do you like?
Scout suggestions are outlined. Your choices are filled.
Notes
No notes yet.
Scout suggestion
4-bedroom home with private and rural setting.
Listing detailsPrice, facts & description
| Location | La Ceiba, Patillas |
|---|---|
| Asking price | $450,000 |
| Property | 4 bed, 3.5 bath; modern single-story, move-in-ready condition. |
| Listing address | State Highway 757 Km 1.7 Int #4 |
| Listed | Mar 9, 2026 |
| Land | 0.44 acres |
| Bedrooms | 4 |
| Property type | Single Family Residence |
| Living area | 1,236 sqft |
| Bathrooms | 3.5 |
| Year built | 2012 |
| Listing status | Active |
| MLS number | PR9119752 |
| Photos | 37 reported by Trulia · 3 available here |
| Listing agent | Ashely Arce Bulgala · 787-940-7678 |
Description from Trulia
Home in La Ceiba, Pollos Ward, in a quiet coastal and mountain setting. The listing describes approximately 0.44 acres with room for expansion or a garden, rural privacy, and access to the coastline, restaurants, shops, and main roads.
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — parcel 39907134308000 👁 Street View 🛰 Satellite
⛰ 144 ft elevation
Exact parcel boundary + centroid from the CRIM government cadastre. Elevation: USGS. Flood zone: FEMA NFHL.
Drive times
| Miramar Bar | 36 min | 27 mi |
|---|---|---|
| Playa Lucía Disc Golf | 25 min | 19 mi |
| Albergue Olímpico Disc Golf | 43 min | 24.8 mi |
| SJU Airport | 84 min | 50.2 mi |
| Costco (Caguas) | 53 min | 29.4 mi |
CRIM & due diligenceParcel record & questions to verify
🏛️ CRIM property record
| CRIM parcel number | 39907134308000 |
|---|---|
| How it was matched | Parcel number reported in the listing details |
| Address (CRIM) | BO LOS POLLOS , SEC LA CEIBA SOLAR 4, PR, Puerto Rico, 00000 |
| Owner of record | CARO TORRES JORGE LUIS |
| Recorded parcel size | 0.44 acres · 0.45 cuerdas · 1,769.02 m² |
| Last recorded sale | $25,000 on 2012-06-02 · seller RODRIGUEZ CRESPO JOSE · buyer JORGE CARO TORRES ⚠️ asking 18.0× the last sale |
| Registry | Finca N/A · Tomo 80 · Folio 245 · Escritura 29 |
| Assessed value | $7,302 total (land $565 + structure $6,737) — CRIM tax basis, not market value |
| Taxable assessed value | $0 · exoneration $7,302 |
🏛️ 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
At 0.44 acres in a coastal setting, this lot is too small for a multi-building estate or substantial expansion. Coastal proximity raises flood/storm surge risk; no mention of elevation or setback compliance. Zoning and coastal-construction rules (likely restrictive) would need verification.
Questions to verify
- Verify the 18× price increase since 2012 against recent comps in La Ceiba/Patillas and confirm no recent major improvements omitted from listing.
- Confirm actual usable acreage and whether the 0.44 acres is developable or constrained by easements, utilities, or topography.
- Inspect coastal access claim—photo does not show ocean or coast; verify distance and whether any oceanview or oceanfront rights exist.
- Tour interior fully for bedroom count (photos show partial views only) and confirm all 4 bedrooms and 3.5 bathrooms are present and functional.
- Assess utility infrastructure (water, sewage, electric, internet) and confirm no seasonal flooding or drainage issues despite Zone X classification.
- Walk the property boundaries and inquire whether any adjacent land is available for expansion, as listing mentions 'room for expansion.'
Research & sourcesPhotos, web findings & original listing
What the photos show
Photo 1 shows a modern, well-maintained single-story home with clean lines, a flat roof, and a modest paved terrace facing a small yard with grass and low vegetation—no steep elevation change visible from this angle. Photo 2 captures an interior kitchenette/utility area with appliances, hanging plants, and a white water heater, suggesting the home is furnished and operational. Photo 3 reveals a pergola-shaded seating area with mature landscaping, flowering plants, and open views across green grounds toward distant tree canopy—indicating reasonable privacy and gentle terrain but no dramatic vistas or water features visible. The home appears move-in-ready with good condition; vegetation is ornamental rather than fruit-bearing; no oceanfront, riverside, or rainforest characteristics are evident in these suburban/rural residential photos.
Scout-read from listing photos. Verify against the images.
What the web found
The property appears on Zillow and FindItPR with the agent listed as Ashley Arce Bulgala. Search results show conflicting details: some sources list it as 4bd/4ba house with 1,236 sqft, while the original Trulia listing describes it as buildable land (0.44 acres). The property is in the La Ceiba barrio of Patillas and qualifies for the house track only if the buildable-land designation was incorrect on Trulia.
Also found online:
- Zillow — Listing appears but page did not load fully with property details.
- FindItPR — Listing appears in search results with conflicting bedroom count.
Seller / agent: Ashley Arce Bulgala · 787-940-7678
Area intel: Patillas is a coastal municipality in southeastern Puerto Rico known for natural scenery. The area has experienced significant hurricane and flooding hazards: Hurricane Maria (2017) caused flash flooding, heavy rainfall exceeding 20 inches, landslides, and debris flows in the mountainous terrain. Patillas has been subject to coastal hazard mapping due to storm surge, riverine flooding, and coastal erosion risks. The median home value in Patillas is reported as $717,500. Comparable properties on Highway 757 in the area include: Km 6.2 Carr #757 listed at $210,000 (3bd/2ba, 1,400 sqft, built 1990) and Km 7.4 Carr #757 ($4bd/2ba, 2,000 sqft, 1970). A 12.21-acre lot in Bo Mulas sold for $135,000, and beachfront/waterfront properties command premium prices. The property designation (house vs. land) creates ambiguity regarding its qualification for the couple's house-track criteria.
What the sources contribute
Listing price history
- Mar 9, 2026 · Listed for sale · $450,000 (Trulia)
Recorded sale history
- Jun 2, 2012 · $25,000 · seller RODRIGUEZ CRESPO JOSE · buyer JORGE CARO TORRES (CRIM Catastro Digital)
Source differences to verify
- bathrooms: 3.5 from Trulia; 4 from FindItPR
- address: State Highway 757 Km 1.7 Int #4 from Trulia; Pr 757 Km 1.7 Int Lot 4, La Ceiba Pollos Ward, Patillas, PR 00723 from FindItPR; State Highway 757 Km 1.7 Int Lot 4, Patillas, PR 00723 from Zillow; State Highway 757 Km 1.7 Int #4, Patillas, PR 00723 from Trulia
- agent name: Ashely Arce Bulgala from Trulia; ASHLEY ARCE BULGALA from FindItPR
Exact-property sources
- Trulia primary listing · Jul 31, 2026 · 2 observations retained
$450,000 · Active · MLS PR9119752 · 4 bed · 3.5 bath · 1,236 sqft · built 2012 · State Highway 757 Km 1.7 Int #4 · 18.004413604736328, -65.9961929321289 · parcel 39907134308000 · Ashely Arce Bulgala · 3 photos - Trulia same-property listing · Jul 31, 2026
$450,000 · Active · MLS PR9119752 · 4 bed · 3.5 bath · 1,236 sqft · 0.44 ac · built 2012 · State Highway 757 Km 1.7 Int #4, Patillas, PR 00723 · 18.004413604736328, -65.9961929321289 · parcel 39907134308000 · Ashely Arce Bulgala · 1 price event
Match: The source record is the exact Trulia page supplied for State Highway 757 Km 1.7 Int #4 and carries the same MLS ID, parcel number, address, price, and coordinates as the imported listing. - Zillow same-property listing · Jul 31, 2026
$450,000 · State Highway 757 Km 1.7 Int Lot 4, Patillas, PR 00723 · ASHLEY ARCE BULGALA
Match: Same address and Zillow ZPID 460927515 matches Trulia listing ID PR9119752; agent name Ashley Arce Bulgala confirmed. - FindItPR same-property listing · Jul 31, 2026
$450,000 · active · 4 bed · 4 bath · 1,236 sqft · 0.44 ac · Pr 757 Km 1.7 Int Lot 4, La Ceiba Pollos Ward, Patillas, PR 00723 · ASHLEY ARCE BULGALA
Match: Same address 'Pr 757 Km 1.7 Int Lot 4, La Ceiba Pollos Ward Patillas 00723 PR', agent Ashley Arce Bulgala, price $450,000 (though FindItPR shows different price of $270,000 on recheck), bedroom discrepancy: 4 bedrooms vs. land-only designation. - CRIM Catastro Digital public record · Jul 31, 2026 · 2 observations retained
parcel 399-071-343-08 · 1 recorded sale
Match: Official record returned for parcel 399-071-343-08.
Sources
Original listingZillow listingFindItPR listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ Official CRIM record (39907134308000)Trulia ID 460927515 · MLS PR9119752 · added 2026-07-31