3.5% down
≈ $3,633/mo
≈ $32,175 upfront
Highway 15 Km 13.9, Cayey, PR
$495,000
3 bed2 bath1,600 sqft5.24 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $2,873/mo
≈ $113,850 upfront
Cash
≈ $344/mo
≈ $509,850 upfront
Adjust the math 6.6% · 30 years
Monthly estimates include principal and interest, the annual property tax reported by the listing, 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.
56 min Miramar31 min Disc golf54 min SJU
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3-bedroom home with private, views and mountain setting.
Check first
- FEMA Zone A needs closer review.
Listing detailsPrice, facts & description
| Location | Jájome Alto, Alturita sector, Cayey |
|---|---|
| Asking price | $495,000 |
| Property | 3 bed, 2 bath; mixed concrete/wood construction, tile floors, finished terrace with fireplace; appears occupied and move-in ready. |
| Listing address | Carretera 15 Km 13.9 Cayey Pr, Cayey, PR 00736 |
| Listed | Apr 15, 2026 |
| Land | 5.24 acres |
| Bedrooms | 3 |
| Property type | Single Family Residence |
| Living area | 1,600 sqft |
| Bathrooms | 2 |
| Year built | 1983 |
| Listing status | Active |
| MLS number | PR12DD00 |
| Photos | 3 reported by Trulia · 3 available here |
| Annual property tax (listing) | $163 |
| Listing agent | Teresa Grundler · Empire Eleven Realty · (787) 479-7765 |
Description from Trulia
Source title: Carretera 15 Km 13.9 Cayey Pr
Property located on top of the mountain with spectacular Caribbean Sea views. Easy access via Highway #15 and area with controlled access. Mixed construction, walls entirely cement and roof of wood and zinc. Solar panels removed/disconnected. House consists of: living room, dining room and kitchen; three bedrooms; 2 full bathrooms; covered terrace with fireplace. Semi-level terrain.
Propiedad ubicada en el tope de la montaña con vista espectacular al mar Caribe. Facil acceso por carretera #15 y area con control de acceso. Construcción mixta, paredes todo en cemento y techo de madera y zinc. Placas solares saldas. Casa consta de: sala, comedor y cocina Tres habitaciones 2 baños completos Terraza techada con fogón Terreno semillano
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — PR-15 Km 13.9, Cayey, Puerto Rico 👁 Street View 🛰 Satellite
⛰ 1,401 ft elevation 🌊 FEMA Zone A — flood risk
Located from an address / road-km marker — close to the parcel. Elevation: USGS. Flood zone: FEMA NFHL.
Drive times
| Miramar Bar | 56 min | 36.2 mi |
|---|---|---|
| Playa Lucía Disc Golf | 60 min | 41 mi |
| Albergue Olímpico Disc Golf | 31 min | 15.9 mi |
| SJU Airport | 54 min | 36 mi |
| Costco (Caguas) | 26 min | 16.5 mi |
CRIM & due diligenceParcel record & questions to verify
🏛️ CRIM property record
⚠️ The reported parcel does not cleanly match the listing location. The listing says Cayey, while CRIM places parcel 37200000932000 in Guayama. The record and sale history are shown because the parcel number was supplied by a source, but its coordinates and boundary are not being used for this property until the mismatch is verified.
| CRIM parcel number | 37200000932000 |
|---|---|
| How it was matched | Parcel number reported by another exact-property listing source |
| Address (CRIM) | LOTE 25 BO PALMAS , CARR 15 KM.HM 10.8, PR, Puerto Rico, 00000 |
| Owner of record | PALOU RODRIGUEZ LUIS ALBERTO |
| Recorded parcel size | 5.09 acres · 5.24 cuerdas · 20,595.24 m² |
| Last recorded sale | $90,000 on 2019-10-25 · seller TEISSONNIERE HERNAND · buyer PALOU RODRIGUEZ LUIS ⚠️ asking 5.5× the last sale |
| Registry | Finca 7653 · Tomo 257 · Folio 32 · Escritura 20 |
| Assessed value | $150 total (land $150 + structure $0) — CRIM tax basis, not market value |
| Taxable assessed value | $150 |
🏛️ 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
5.24 acres on mountaintop with road access (PR-15); likely buildable, but verify zoning for additions, water/septic capacity, and any agricultural restrictions.
Questions to verify
- Clarify FEMA Zone A flood-risk designation despite 1401 ft elevation—verify actual flood plain mapping and flood insurance requirements and cost.
- Confirm solar panel removal status and whether system disconnection affects any utility rebates or permits.
- Verify acreage (5.24 ac claimed) and lot boundary against cadastral map (CRIM); ensure no boundary disputes.
- Inspect roof condition (wood/zinc can require maintenance in tropics) and structural integrity of elevated foundation.
- Walk the property for actual water features (streams, springs), fruit trees, or native vegetation not visible in photos.
- Confirm road access via Highway 15 and any homeowner association or controlled-access gate restrictions and fees.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photo 1 shows a 2-story white concrete-block house with wood/zinc roof, elevated on supports with a ground-level solar panel array visible in foreground—confirming mixed construction and solar infrastructure mentioned in listing. The structure sits on sloped terrain with green vegetation around it; the elevation and foundation design suggest hillside placement. Photo 2 is an interior room (appears to be living/dining space) with tile flooring, white walls, high windows with mountain views framed, and a wood door—consistent with the 3-bed/2-bath claim and livable condition. Photo 3 shows a high-elevation deck/terrace with wooden furniture, wooden pergola, and expansive valley/landscape views toward the coast in the distance—confirming the 'spectacular Caribbean Sea views' and elevation advantage. The terrace fireplace is partially visible. Overall the home appears structurally sound and move-in ready, with strong elevation and mountain-to-distant-ocean sightlines.
Scout-read from listing photos. Verify against the images.
What the web found
Web search confirms the property appears on Zillow and finditpr.com with matching details (5.24 acres, 3 bed/2 bath, $495K). Located in Jájome Alto sector, Alturita. Highway 15 is a rural two-lane route between Guayama and Cayey; Cayey has historical flood exposure. No additional listings on major broker platforms or agent contact information was found via web search.
Also found online:
- Zillow — Identical property listing with 5.24 acres, 3 beds, 2 baths, $495,000; references solar panels
- finditpr.com — Identical property listing confirming barrio and sector location (Jájome Alto–Alturita)
Area intel: Highway 15 is a 25.8 km rural route with one lane per direction connecting Guayama and Cayey municipalities. Historical flood record: Cayey experienced severe flash flooding in 2006 with recorded rainfall of 19.5 inches, causing extensive damage. Real estate guidance for Puerto Rico emphasizes verifying FEMA flood zones, utilities access, and zoning before purchase; construction costs exceed mainland U.S. standards due to hurricane-resistant building codes and material transport. A comparable 4.86-acre rural land parcel in Jájome Alto, Cayey, sold for $110,000 in October 2025.
What the sources contribute
Listing price history
- Apr 15, 2026 · Listed for sale · $495,000 (Zillow)
Recorded sale history
- Oct 25, 2019 · $90,000 · seller TEISSONNIERE HERNAND · buyer PALOU RODRIGUEZ LUIS (CRIM Catastro Digital)
Source differences to verify
- listing versus parcel municipio: Cayey from Trulia; Guayama from CRIM Catastro Digital
Exact-property sources
- Trulia primary listing · Jul 26, 2026 · 2 observations retained
$495,000 · Active · 3 bed · 2 bath · 1,600 sqft · 5.24 ac · parcel 37200000932000 · Carretera 15 Km 13.9 Cayey Pr, Cayey, PR 00736 · Teresa Grundler · 3 photos - Zillow same-property listing · Jul 30, 2026
$495,000 · For sale · MLS PR12DD00 · 3 bed · 2 bath · 1,600 sqft · 5.24 ac · built 1983 · Carretera 15 Km 13.9 Cayey Pr, Cayey, PR 00736 · parcel 37200000932000 · Teresa Grundler · 1 price event
Match: The Zillow and Trulia URLs share property ID 461710250 and show the same address, $495,000 price, 3 bedrooms, 2 bathrooms, 1,600 square feet, 5.24-acre listing size, description, and three photos. - CRIM Catastro Digital public record · Jul 30, 2026 · 2 observations retained
parcel 372-000-009-32 · 1 recorded sale
Match: Official record returned for parcel 372-000-009-32.
Sources
Original listingZillow listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ Official CRIM record (37200000932000)Trulia ID 461710250 · MLS PR12DD00 · added 2026-07-26