3.5% down
≈ $1,645/mo
≈ $14,300 upfront
290 Calle Ceiba
$220,000
3 bed2 bath932 sqft0.02 ac
Cash flow
What this might cost
Estimated monthly + upfront
20% down
≈ $1,307/mo
≈ $50,600 upfront
Cash
≈ $183/mo
≈ $226,600 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 Miramar47 min Disc golf84 min SJU
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3-bedroom home with views, mountain setting and ocean view.
Listing detailsPrice, facts & description
| Location | Guardarraya, Patillas |
|---|---|
| Asking price | $220,000 |
| Property | 3 bed, 2 bath; modern finishes, tiled/louvered windows throughout, move-in ready. |
| Listing address | 290 Calle Ceiba, Patillas, PR 00723 |
| Listed | May 17, 2026 |
| Land | 0.02 acres |
| Bedrooms | 3 |
| Living area | 932 sqft |
| Bathrooms | 2 |
| Listing status | Active |
| Photos | 16 reported by Trulia · 16 available here |
| Listing agent | Angel Sustache · (787) 365-9380 |
Description from Trulia
This beautiful property is located just minutes from Highway #3 and near Inches Beach, restaurants, and other points of interest. Offering a peaceful atmosphere and convenient access to the coast, this home is ideal for those looking to enjoy the beauty of Patillas. The property features 3 bedrooms, 1 utility room, 2 bathrooms, a kitchen, dining room, and living room. It offers a GLA of 932 sq. ft. and sits on a spacious 919.73 m² lot. Additional features include a carport, 2 balconies, and stunning ocean views. Perfect as a primary residence, vacation home, or Airbnb investment, this property offers the perfect combination of relaxation, space, and coastal living. Prequalification letter or proof of funds is needed to schedule a showing.
Location & driveMap, terrain & destinations
Location, terrain & flood
📍 Open in Google Maps — listing coordinates 👁 Street View 🛰 Satellite
⛰ 116 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 | 21.5 mi |
|---|---|---|
| Playa Lucía Disc Golf | 17 min | 13.4 mi |
| Albergue Olímpico Disc Golf | 47 min | 28.7 mi |
| SJU Airport | 84 min | 54.3 mi |
| Costco (Caguas) | 55 min | 38.8 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 | 422-068-018-07 |
|---|---|
| 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, SECTOR RECIO SOLAR 130, PR, 00723 |
| Owner of record | ISRAEL RIVERA ROLDAN |
| Recorded parcel size | 0.27 acres · 0.28 cuerdas · 1,100.06 m² |
| Last recorded sale | $0 on 2025-08-13 · seller OCTAVIO RIVERA ORTIZ · buyer ISRAEL RIVERA ROLDAN |
| Registry | Finca 822 · Tomo 68 · Folio 28 · Escritura PA2025CV00136 |
| Assessed value | $12,529 total (land $529 + structure $12,000) — CRIM tax basis, not market value |
| Taxable assessed value | $12,529 |
🏛️ 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
Lot is only 919 m² (~0.23 acres), fully occupied by the existing home. No buildable land potential.
Questions to verify
- Confirm actual lot size (919 m² listed) and boundary survey against cadastral records.
- Verify ocean view is unobstructed by future development or neighbor structures.
- Request 12-month HOA/maintenance cost history (if applicable) and utility bills.
- Confirm flood insurance requirement status despite FEMA Zone X designation.
- Walk site with inspector to assess soil stability, drainage, and structural integrity of elevated foundation.
- Verify GLA (932 sq ft claimed) and ensure no unpermitted additions or encroachments exist.
Research & sourcesPhotos, web findings & original listing
What the photos show
Photos 1, 16 show a compact modern home on elevated stilts with a wraparound white railing, positioned on a modest slope with lush green vegetation visible on the hillside behind and adjacent. Photos 2–4 and 12 confirm ocean views from the property — the horizon and blue water are clearly visible in the distance in photo 3, framed by dense tropical greenery. Interior photos (5–15) reveal a move-in-ready condition: black-and-wood kitchen, tiled bathrooms with stone, neutral living/bedroom spaces, and louvered windows throughout. The lot appears compact (listing states ~919 m² or ~0.23 acres), with no visible riverfront, orchard, or dense rainforest canopy, though mature trees and vegetation are present. Road access appears direct; the home sits above street level, minimizing flood exposure.
Scout-read from listing photos. Verify against the images.
What the web found
Property is confirmed on RE/MAX and Findit with 0.23 acres, located in Guardarraya near Inches Beach. Listed by Angel J Sustache. Southern Puerto Rico faces hurricane-season hazards and historical flooding; some inland areas are landslide-prone.
Also found online:
- RE/MAX — Same property with MLS #PR9121291, 3 bed/2 bath, 932 sq ft, 919.73 m² lot, carport, 2 balconies, ocean views, near Inches Beach
- Findit PR — Same address, 3 bed/2 bath house at $265,000 by ANGEL J SUSTACHE, published 26 days ago
Seller / agent: Angel J Sustache, 787-365-9380
Area intel: Patillas is a southeastern coastal municipality with agricultural economy. Regional comparable homes in Patillas sell in $70,000–$650,000 range (3–5 bed houses). This $220,000–$265,000 property qualifies as a house (not apartment/condo) with 3 bedrooms. Area susceptible to hurricane-season hazards (June–November), historical flash flooding (August 1973), and some inland barrios (e.g., Higüero) lie in landslide-prone zones. Guardarraya subdivision is near Inches Beach.
What the sources contribute
Recorded sale history
- Aug 13, 2025 · $0 · seller OCTAVIO RIVERA ORTIZ · buyer ISRAEL RIVERA ROLDAN (CRIM Catastro Digital)
Exact-property sources
- Trulia primary listing · Jul 26, 2026 · 3 observations retained
$220,000 · Active · 3 bed · 2 bath · 932 sqft · 17.976913452148438, -65.95587921142578 · parcel 422-068-018-07 · 290 Calle Ceiba, Patillas, PR 00723 · Angel Sustache · 16 photos · 0.02 ac - CRIM Catastro Digital public record · Jul 26, 2026 · 2 observations retained
parcel 422-068-018-07 · 1 recorded sale
Match: Official record returned for parcel 422-068-018-07.
Sources
Original listingGoogle itGoogle MapsStreet ViewSatellite viewRealtor.com compsPR flood map (FEMA)🏛️ Official CRIM record (422-068-018-07)Trulia ID 462499776 · added 2026-07-26