CENTURY 21 Edge
$5,250,000$5,995,0006 bd6 ba6,370 sqft$824 /sqft$30,924 /mo all-in ↓

10 RIDGETOP, HUMACAO, PR, 00791

Active863 days on marketListed Mar 18, 2024MLS #PR9105079

Reduced $745KPrivate poolSingle Family ResidencePALMAS DEL MAR

About this home

10 RIDGETOP

Perched atop the lush, vibrant landscape of Palmas del Mar, this distinguished estate stands in a league of its own, occupying a supremely privileged location that commands sweeping views of the crystalline ocean, majestic mountains, and the sprawling resort below. Designed as an idyllic setting for both grand festive gatherings and tranquil retreat living, the estate's architecture masterfully embraces its surrounding natural beauty through its use of oversized windows, broad terraces, meticulously landscaped garden patios, and an enchanting central courtyard. Upon entering, guests are greeted by a captivating open-air garden, setting the tone for the exquisite interior that lies within. The interior is a showcase of luxury, featuring rich marble flooring that gleams under the light, intricately designed decorative recessed ceilings, and polished wood accents that add warmth and elegance to the living spaces. These indoor areas are designed to blend seamlessly with the outdoors, ensuring that the beauty of the estate's natural setting is always in view. The master suite serves as a sanctuary of ultimate comfort and luxury, offering an ensuite bathroom equipped with both an invigorating outdoor shower and a soothing jacuzzi, embodying the pinnacle of opulent living. This estate houses five additional bedrooms, each with its unique design and panoramic views of the vibrant outdoor landscape, providing guests with their private retreats. Culinary adventures await in the state-of-the-art kitchen, which boasts dual islands, custom cabinetry, and strategically placed windows that frame the stunning ocean views, inspiring chefs and entertaining hosts alike. The dining room adjacent to the kitchen is designed for hosting lavish dinners, while the estate's variety of outdoor settings offers intimate and versatile spaces for entertaining, including a poolside area with an outdoor kitchen that allows guests to dine al fresco while soaking in the lush resort atmosphere. The estate's Mediterranean-inspired design, characterized by its majestic columns and balustrades set against the backdrop of the garden's vibrant colors, creates a serene yet elegant ambiance, inviting relaxation and enjoyment. With a generous 6,370 square feet of living space and covered parking, this estate grants access to the luxurious amenities of Palmas del Mar, including a tennis center, equestrian center, private schooling options, two championship golf courses, sixteen restaurants and cafes, and the exclusive marina and yacht club, placing it as a rare gem on the east coast of Puerto Rico. This property holds historical significance as it was originally constructed by Charles Fraser, the original master developer of Palmas del Mar. Among the many available locations, Fraser chose this exceptional spot for his personal residence, marking it as a site of unparalleled value and beauty. Fraser, renowned for his development of iconic destinations such as Kiawah Island, Sea Pines, and Amelia Island, imbued this estate with a legacy of luxury and harmony with nature. As such, this estate does not merely offer a living space but presents a unique opportunity to own a piece of history, offering an unmatched lifestyle in one of the most desirable locations in Puerto Rico.

Facts & features

The home at a glance

6

Bedrooms

6

Bathrooms

6,370

Sqft

0.52 ac

Lot size

1981

Year built

Two

Levels

$824

Per sqft

Private poolWater viewPets allowed

Inside

FlooringMarble · Travertine
AppliancesDishwasher · Freezer · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · PrimaryBedroom Upstairs · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingMini-Split Unit(s)
HeatingNone

Outside & construction

RoofConcrete · Tile
ConstructionConcrete
FoundationSlab
ViewWater
FacesSouth
ExteriorOutdoor Grill · Outdoor Kitchen · Private Mailbox · Sliding Doors

Community & fees

HOA fee$87/mo
Taxes (2022)$4,552/yr
PetsYes

Utilities & systems

UtilitiesElectricity Available · Electricity Connected · Water Available · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$30,924 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$28,329
PMI (est., until 20% equity)$1,969
Property tax — 2022 actual bill$379
HOA fee — from the listing$87
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $525,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $525,000
Interest rate6.00%
Loan term

Estimated payment

$30,924/mo

Principal & interest$28,329
PMI (est., until 20% equity)$1,969
Property taxes (actual bill)$379
HOA / condo fee$87
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside HUMACAO 00791

Map of 10 RIDGETOP

The numbers that matter

The HUMACAO 00791 market

This home is listed 961% above the HUMACAO 00791 median.

Paper trail

This home's history

CurrentPrice reduced to $5,250,000 $745K
Mar 18, 2024Listed at $5,995,000 · 863 days on market since
1981Built · PALMAS DEL MAR

Reality check

What actually sold near 10 RIDGETOP

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

30 LOS LAGOSSold · Apr ’26

$1,850,000

30 LOS LAGOS · same community

4 bd · 3.5 ba · 4,903 sqft · $377/sqft · 0 DOM

31 LOS LAGOSSold · Jun ’26

$1,750,000

31 LOS LAGOS · same community

4 bd · 3.5 ba · 4,675 sqft · $374/sqft · 73 DOM

12 RIDGE TOPSold · Jan ’26

$3,800,000

12 RIDGE TOP · same community

5 bd · 6 ba · 8,149 sqft · $466/sqft · 23 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Julian Rivera

Your agent

Julian Rivera

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 10 RIDGETOP — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10 RIDGETOP — before you fall in love.

See it in person

Schedule a tour

Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

10 RIDGETOP FAQs

What would the monthly payment be for 10 RIDGETOP?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $30,924/mo — principal and interest, the actual property-tax bill, the $87/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 10 RIDGETOP?+

The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 10 RIDGETOP?+

The most recent tax bill on record (2022) was $4,552. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 10 RIDGETOP?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in HUMACAO 00791?+

At $5,250,000, this home is listed about 961% above the HUMACAO 00791 median of $495,000. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Positioned at the premium end

$5,250,000 runs 961% above the HUMACAO 00791 median.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03The price has already moved

Listed at $5,995,000, now $5,250,000 — a $745K cut. The full history is in the market section below.

Listing courtesy of CASILLAS REALTY GROUP DBA · Ricardo Casillas. MLS #PR9105079.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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10 RIDGETOP, HUMACAO, PR — 6 Bed, 6 Bath — $5,250,000 | CENTURY 21 Edge