3.5% down
≈ $4,472/mo
≈ $38,870 upfront
Highway 3, Camino Cooperativo
$598,000
4 bed4 bath4,000 sqft1.6 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $3,554/mo
≈ $137,540 upfront
Cash
≈ $498/mo
≈ $615,940 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.
28 min Miramar49 min Disc golf83 min SJU
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4-bedroom home with private, views and mountain setting.
Listing detailsPrice, facts & description
| Location | Guardarraya barrio (based on search results showing Highway 3 properties in this area near Guardarraya Beach), Patillas |
|---|---|
| Asking price | $598,000 |
| Property | 4 bed, 4 bath; well-maintained, pool and resort amenities; currently short-term rental operation. |
| Listing address | Carr 3 Camino Cooperativo, Patillas, PR 00723 |
| Listed | Mar 18, 2026 |
| Land | 1.6 acres |
| Bedrooms | 4 |
| Living area | 4,000 sqft |
| Bathrooms | 4 |
| Listing status | Active |
| Photos | 20 reported by Trulia · 20 available here |
| Listing agent | Myrna De Jesus · (787) 702-7867 |
Description from Trulia
Source title: Carr 3 Camino Cooperativo
Enjoy the sea breeze and a luxurious ocean view. Property featuring over an acre of land and three apartments. Double garage for four cars and a newly built swimming pool. Currently used for short-term rentals, this property is ideal for generating income and having a place to vacation when you visit Puerto Rico. The first floor has two bedrooms and one bathroom. Second floor: one bedroom with a bathroom. Third apartment: a spacious studio with its own bathroom. Laundry area and an outdoor bathroom for common area use. Terrace with BBQ area and a newly built swimming pool.
ENJOY THE SEA BREEZE AND A LUXURIOUS OCEAN VIEW. PROPERTY FEATURING OVER AN ACRE OF LAND AND THREE APARTMENTS. DOUBLE GARAGE FOR FOUR CARS AND A NEWLY BUILT SWIMMING POOL. CURRENTLY USED FOR SHORT-TERM RENTALS, THIS PROPERTY IS IDEAL FOR GENERATING INCOME AND HAVING A PLACE TO VACATION WHEN YOU VISIT PUERTO RICO. THE FIRST FLOOR HAS TWO BEDROOMS AND ONE BATHROOM. SECOND FLOOR: ONE BEDROOM WITH A BATHROOM. THIRD APARTMENT: A SPACIOUS STUDIO WITH ITS OWN BATHROOM. LAUNDRY AREA AND AN OUTDOOR BATHROOM FOR COMMON AREA USE. TERRACE WITH BBQ AREA AND A NEWLY BUILT SWIMMING POOL
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — listing coordinates 👁 Street View 🛰 Satellite
⛰ 195 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 | 28 min | 20.7 mi |
|---|---|---|
| Playa Lucía Disc Golf | 17 min | 12.7 mi |
| Albergue Olímpico Disc Golf | 49 min | 29.8 mi |
| SJU Airport | 83 min | 53.5 mi |
| Costco (Caguas) | 54 min | 38 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 | 422-060-006-97 |
|---|---|
| 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 GUARDARRAYA CARR 3 , ., PR, Puerto Rico, 00000 |
| Owner of record | FIGUEROA MORALES RAFAEL E |
| Recorded parcel size | 1.6 acres · 1.65 cuerdas · 6,485.14 m² |
| Last recorded sale | $145,000 on 2008-08-11 · seller LOPEZ CARTAGENA SIXT · buyer FIGUEROA MORALES RAF ⚠️ asking 4.1× the last sale |
| Registry | Finca 8286 · Tomo 226 · Folio 210 · Escritura 32 |
| Assessed value | $19,943 total (land $896 + structure $19,047) — CRIM tax basis, not market value |
| Taxable assessed value | $4,943 · 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 fully developed with multi-unit structures and short-term rental operations; no opportunity to build a single-family home.
Questions to verify
- Confirm exact parcel size and cadastral boundaries; listing claims 'over an acre' but title/CRIM may differ from advertised 1.6 acres.
- Verify structural integrity and permitting history of pool and terrace improvements; confirm all units meet residential code if continuing rental or converting to single-family.
- Inspect property boundaries, easements, and access rights; confirm road/driveway ownership and maintenance responsibility.
- Validate current rental income and short-term permit status; assess tax implications of owner-occupancy vs. rental use.
- Review water supply, septic/sewer, and utility capacity for multi-unit operation.
- Assess hurricane wind/structural readiness and roof condition, especially given oceanfront exposure.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–4 show a yellow two-story house on sloped terrain with paved driveway and manicured grounds; photos 5–7 reveal an interior corridor and covered balcony with ocean-horizon views; photos 8–10 display the front driveway and multi-level exterior; photos 11–15 show expansive lawn, a resort-style pool complex with loungers and umbrellas, and mature palm/tropical vegetation suggesting established landscaping; photos 16–20 capture terraced decking, fire pits, ocean vistas, and coastal horizon lines. The property sits at moderate elevation (195 ft) with clear sightlines to the sea, demonstrable oceanfront appeal, and lush tropical surroundings. Home appears well-maintained and move-in-ready.
Scout-read from listing photos. Verify against the images.
What the web found
Search found Patillas is a coastal municipality in southeastern Puerto Rico with agricultural and rural character, but could not locate this specific 1.6-acre parcel (Camino Cooperativo) on other major platforms or identify the listing agent. The area is known for flash flooding risks and historic hurricane impact (Hurricane Maria in 2017).
Area intel: Patillas is a coastal municipality with agricultural economy (plantains). Area experiences flash flooding and river-system sensitivity to rainfall; streams are prone to sudden floods followed by near-drought periods. Hurricane Maria (Category 4, 2017) caused significant structural damage, landslides, and debris flows in the mountainous terrain. Puerto Rico land market Q1 2025 showed 11.6% year-over-year price increases with median sales at $290,000; buildable coastal plots command premium pricing due to limited inventory.
What the sources contribute
Recorded sale history
- Aug 11, 2008 · $145,000 · seller LOPEZ CARTAGENA SIXT · buyer FIGUEROA MORALES RAF (CRIM Catastro Digital)
Exact-property sources
- Trulia primary listing · Jul 26, 2026 · 2 observations retained
$598,000 · Active · 4 bed · 4 bath · 4,000 sqft · 1.6 ac · 17.98101806640625, -65.94345092773438 · parcel 422-060-006-97 · Carr 3 Camino Cooperativo, Patillas, PR 00723 · Myrna De Jesus · 20 photos - CRIM Catastro Digital public record · Jul 26, 2026 · 2 observations retained
parcel 422-060-006-97 · 1 recorded sale
Match: Official record returned for parcel 422-060-006-97.
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ Official CRIM record (422-060-006-97)Trulia ID 461133967 · added 2026-07-26