3.5% down
≈ $2,954/mo
≈ $25,675 upfront
Carretera 715 Kilometro #3.7
$395,000
5 bed4 bath3,910 sqft0.76 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $2,347/mo
≈ $90,850 upfront
Cash
≈ $329/mo
≈ $406,850 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.
67 min Miramar42 min Disc golf65 min SJU
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5-bedroom home with nature / trees, views and mountain setting.
Listing detailsPrice, facts & description
| Location | BO. CERCADILLO, Cayey |
|---|---|
| Asking price | $395,000 |
| Property | 5 bed, 4 bath; 5BR / 4BA across two units (3BR/2BA + 2BR/1BA); both units appear move-in ready with updated kitchens and bathrooms. |
| Listing address | Carretera 715 Kilometro #3.7, Cayey, PR 00736 |
| Listed | Mar 19, 2026 |
| Land | 0.76 acres |
| Bedrooms | 5 |
| Property type | Triplex |
| Living area | 3,910 sqft |
| Bathrooms | 4 |
| Year built | 1998 |
| Listing status | Active |
| MLS number | MFRPR9120068 |
| Photos | 20 reported by Trulia · 20 available here |
| Listing agent | Eliezer Torres · EXP PUERTO RICO INC. · (832) 430-2107 |
Description from Trulia
Located on the edge of the Bosque de Pinos in Cayey, this multi-unit property offers a private retreat with scenic valley views. The top-floor residence features a 3-bedroom, 2-bathroom layout with a wrap-around balcony, totaling 1,880 square feet of space. This unit includes a primary bedroom with an ensuite bathroom and jacuzzi tub, tiled floors, louvered windows, and a versatile hallway study. The middle-floor unit, accessible at ground level from the carport, features 2 bedrooms and 1 bathroom with a newly renovated kitchen. This property presents a significant opportunity for multi-generational living or a versatile income-generating investment; the layout allows for living in one unit while renting the other, or utilizing the entire property as a high-capacity rental. Featuring a two-bay concrete garage with a workspace, gated entry, and established landscaping that blends into the adjacent forest, this home provides a flexible and private living arrangement.
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — parcel 348-041-543-09 👁 Street View 🛰 Satellite
⛰ 2,323 ft elevation 🌊 FEMA Zone X — minimal flood
Exact parcel boundary + centroid from the CRIM government cadastre. Elevation: USGS. Flood zone: FEMA NFHL.
Drive times
| Miramar Bar | 67 min | 40.6 mi |
|---|---|---|
| Playa Lucía Disc Golf | 70 min | 45.3 mi |
| Albergue Olímpico Disc Golf | 42 min | 20.3 mi |
| SJU Airport | 65 min | 40.3 mi |
| Costco (Caguas) | 36 min | 20.8 mi |
CRIM & due diligenceParcel record & questions to verify
🏛️ CRIM property record
| CRIM parcel number | 348-041-543-09 |
|---|---|
| How it was matched | Parcel number reported in the listing details |
| Address (CRIM) | BO CERCADILLO CARR 715, KM.HM 3.7, PR, Puerto Rico, 00000 |
| Owner of record | DE JESUS RIVERA ROSALIA |
| Recorded parcel size | 0.74 acres · 0.76 cuerdas · 3,000.61 m² |
| Last recorded sale | $1 on 2001-08-22 · seller DE JESUS ALEJANDRO · buyer DE JESUS RIVERA ROSA ⚠️ asking 395000.0× the last sale |
| Registry | Finca N/A · Tomo N/A · Folio N/A · Escritura 25 |
| Assessed value | $18,024 total (land $378 + structure $17,646) — CRIM tax basis, not market value |
| Taxable assessed value | $0 · exemption $5,000 · exoneration $13,024 |
🏛️ 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.
Questions to verify
- Verify whether the two-unit layout (income-property structure) qualifies under their 'house' criteria or disqualifies it as a multi-family / rental unit.
- Confirm acreage and parcel boundaries; survey for any easements or access restrictions on the steep slope.
- Inspect foundation and drainage given the hillside location and heavy rainfall exposure in Bosque de Pinos zone.
- Clarify utility capacity (water, electric, sewage) for two independently habitable units.
- Verify whether either unit has been actively rented and review lease/income history if investment intent is a factor.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1–4 show a multi-level home built into a steep, heavily forested hillside at ~2,339 ft elevation, with dense rainforest vegetation surrounding the property. The structure is perched on a slope with a concrete foundation and gated carport access; photos reveal a two-unit layout (upper 3BR and lower 2BR). Interior shots (5–20) display renovated kitchens, living spaces, bedrooms with wood furnishings, and bathrooms in move-in condition. Exterior views (1, 2, 13–14) show mountain/valley vistas framed by thick forest canopy; no ocean view is visible. No fruit trees, river, or stream are evident in the photos. The home appears structurally sound and habitable, though the steep terrain and dense vegetation limit privacy to immediate surroundings rather than seclusion.
Scout-read from listing photos. Verify against the images.
What the web found
This property is marketed as a multi-unit triplex—not a single-family house or buildable land—making it ineligible for the house track. The listing appears on multiple broker sites (Compass, Momentum, Realmo, Broxson, HomeWise) under the same MLS #PR9120068, consistently identified as a 3-unit income property built in 1998 on 0.75 acres. Agent Eliezer Torres at eXp Puerto Rico heads the listing.
Also found online:
- Compass — Lists property as 5-bed, 4-bath multi-family home built 1998 at $395,000 with direction details to PR-715 Km 3.7.
- Momentum Realty — Confirms MLS #PR9120068, listed March 20, 2026, by eXp Puerto Rico, with detailed description of multi-unit layout.
- Realmo — Identifies property as triplex with 3 units, A-B zoning, 0.75-acre lot, confirming multi-family classification.
- Broxson Realty — MLS #PR9120068 listed as Income property, 5 bed, 4 bath, 0.75 acres, matches all prior sources.
- HomeWise Florida — Lists same property as MFRPR9120068, eXp Puerto Rico, confirmed by utility and zoning details (A-B zoning).
Seller / agent: Eliezer Torres, eXp Puerto Rico, (832) 430-2107 (primary contact per listing) or main brokerage 939-697-6300
Area intel: Cayey is a mountain municipality in central Puerto Rico with elevation around 1,896 ft in barrios like Sumido. Property sits on edge of Bosque de Pinos (pine forest). Recent Cayey home sales averaged $691,528 at $197/sqft (last year). This triplex at 3,910 sqft and $395,000 represents approximately $101/sqft, well below area averages, reflecting its multi-family income-property nature rather than a single-family home comparison.
What the sources contribute
Recorded sale history
- Aug 22, 2001 · $1 · seller DE JESUS ALEJANDRO · buyer DE JESUS RIVERA ROSA (CRIM Catastro Digital)
Source differences to verify
- listing listedAt: 2026-03-20T02:20:28+00:00 from Trulia; 2026-03-20 from Momentum Realty
- MLS number: MFRPR9120068 from HomeWise Florida; PR9120068 from Broxson Realty
- lot size: 0.76 from Trulia; 0.75 from Broxson Realty
- agent name: Eliezer Torres from Trulia; EXP PUERTO RICO INC. from Compass
- agent phone: (832) 430-2107 from Trulia; 939-697-6300 from HomeWise Florida
- agent brokerage: EXP PUERTO RICO INC. from HomeWise Florida; EXP PUERTO RICO LLC from Momentum Realty
Exact-property sources
- Trulia primary listing · Jul 26, 2026 · 2 observations retained
$395,000 · Active · 5 bed · 4 bath · 3,910 sqft · 0.76 ac · 18.077943801879883, -66.18372344970703 · parcel 348-041-543-09 · Carretera 715 Kilometro #3.7, Cayey, PR 00736 · Eliezer Torres · 20 photos - Compass same-property listing · Jul 31, 2026
$395,000 · Active · MLS PR9120068 · 5 bed · 4 bath · 3,910 sqft · 0.75 ac · built 1998 · Carretera 715 Kilometro 3.7 · EXP PUERTO RICO INC.
Match: Same address, price $395,000, 5 beds, 4 baths, 3,910 sqft, MLS #PR9120068, photos match other listings - Momentum Realty same-property listing · Jul 31, 2026
$395,000 · Active · MLS PR9120068 · 5 bed · 4 bath · 939-697-6300
Match: Same address, price $395,000, MLS #PR9120068, identical unit descriptions and photos - Realmo same-property listing · Jul 31, 2026
$395,000 · 5 bed · 4 bath · 3,910 sqft · 0.75 ac · built 1998 · Carretera 715 KILOMETRO 3.7
Match: Same address, price $395,000, year 1998, 3 units identified, 0.75 acres, identical floor plan descriptions - Broxson Realty same-property listing · Jul 31, 2026
$395,000 · MLS PR9120068 · 5 bed · 4 bath · 3,910 sqft · 0.75 ac · built 1998
Match: Same MLS #PR9120068, address, price $395,000, 5 beds, 4 baths, 3,910 sqft, 0.75 acres - HomeWise Florida same-property listing · Jul 31, 2026
$395,000 · MLS MFRPR9120068 · 939-697-6300
Match: Address match, price $395,000, MLS #MFRPR9120068, A-B zoning, utilities connected, identical descriptions - CRIM Catastro Digital public record · Jul 31, 2026 · 2 observations retained
parcel 348-041-543-09 · 1 recorded sale
Match: Official record returned for parcel 348-041-543-09.
Sources
Original listingCompass listingMomentum Realty listingRealmo listingBroxson Realty listingHomeWise Florida listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ Official CRIM record (348-041-543-09)Trulia ID 461171651 · MLS MFRPR9120068 · added 2026-07-26