CENTURY 21 Edge
$2,290,000$2,490,0004 bd4 ba2,775 sqft$825 /sqft$15,475 /mo all-in ↓

40 CALLE SURF BO ENSENADA, RINCON, PR, 00677

Active291 days on marketListed Oct 18, 2025MLS #PR9116784

Reduced $200KWaterfrontFully furnishedSingle Family ResidenceBARRIO ENSENADA

About this home

40 CALLE SURF BO ENSENADA

Experience coastal luxury like never before in this one-of-a-kind oceanfront home. Designed with an open-concept layout so that you have ocean views from both great rooms located on each floor plus spectacular panoramic view from the covered rooftop terrace. This stunning residence seamlessly blends indoor and outdoor living, inviting the sights and sounds of the sea into your daily life. Expansive floor-to-ceiling windows facing the turquoise waters of the Caribbean sea flood the space with natural light, while high-end finishes and thoughtful architectural details create an atmosphere of Beachfront living. The kitchen, designed for both entertaining and everyday living, opens effortlessly to the spacious living and dining areas, all offering uninterrupted views of the ocean. Step outside onto the ocean-facing terrace, perfect for morning coffee, sunset cocktails, or simply soaking in the coastal breeze. Whether you’re relaxing on the spacious rooftop terrace are enjoying the beach access just outside your back gate, every moment in this home feels like a seaside escape. The house has 2 great rooms, 4 bedrooms, 4 baths and plenty of parking. The lot is 610 square meters of gated land with tropical plants throughout. The house approximately 2,775 of interior sqft and approx. another 750 sqft of covered outdoor areas, all with incredible views. Don’t miss the opportunity to own this exclusive coastal gem.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

2,775

Sqft

0.15 ac

Lot size

1985

Year built

Two

Levels

$825

Per sqft

WaterfrontWater viewFurnished

Inside

FlooringTerrazzo
AppliancesBuilt-In Oven · Dryer · Microwave · Refrigerator · Solar Hot Water · Solar Hot Water Owned · Washer
InteriorCeiling Fan(s)
LaundryInside
CoolingWall/Window Unit(s)
HeatingNone
FurnishedFurnished

Outside & construction

RoofConcrete
ConstructionConcrete
FoundationSlab
ViewWater
FacesEast
ExteriorBalcony · Garden · Outdoor Shower · Rain Gutters

Community & fees

Utilities & systems

UtilitiesElectricity Connected · Water Connected
WaterPublic

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$15,475 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$12,357
PMI (est., until 20% equity)$859
Est. property taxes (1.1%/yr)$2,099
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $229,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida 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% · $229,000
Interest rate6.00%
Loan term

Estimated payment

$15,475/mo

Principal & interest$12,357
PMI (est., until 20% equity)$859
Est. property taxes$2,099
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside RINCON 00677

Map of 40 CALLE SURF BO ENSENADA

The numbers that matter

The RINCON 00677 market

This home is listed 352% above the RINCON 00677 median.

Paper trail

This home's history

CurrentPrice reduced to $2,290,000 $200K
Oct 18, 2025Listed at $2,490,000 · 291 days on market since
1985Built · BARRIO ENSENADA

Reality check

What actually sold near 40 CALLE SURF BO ENSENADA

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

D18 CALLE AGUEYABANA VISTA AZUL UNIT D18Sold · Jul ’26

$610,000

D18 CALLE AGUEYABANA VISTA AZUL UNIT D18

3 bd · 3 ba · 2,278 sqft · $268/sqft · 22 DOM

COSTA BRAVA- CARR 115 INT, KM 11.9Sold · Aug ’25

$625,000

COSTA BRAVA- CARR 115 INT, KM 11.9

4 bd · 2.5 ba · 2,200 sqft · $284/sqft · 323 DOM

Carr 115 km 12.7 BO. PUEBLO, RINCON, PR 00677Sold · Apr ’26

$870,000

Carr 115 km 12.7 BO. PUEBLO, RINCON, PR 00677

3 bd · 3 ba · 1,600 sqft · $544/sqft · 394 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.

Angela Rodriguez

Your agent

Angela Rodriguez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 40 CALLE SURF BO ENSENADA — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 40 CALLE SURF BO ENSENADA — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

40 CALLE SURF BO ENSENADA FAQs

What would the monthly payment be for 40 CALLE SURF BO ENSENADA?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,475/mo — principal and interest, estimated property taxes 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 does the price compare to other homes in RINCON 00677?+

At $2,290,000, this home is listed about 352% above the RINCON 00677 median of $507,000. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Positioned at the premium end

$2,290,000 runs 352% above the RINCON 00677 median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03The price has already moved

Listed at $2,490,000, now $2,290,000 — a $200K cut. The full history is in the market section below.

Listing courtesy of ISLAND WEST PROPERTIES · Justin Turri. MLS #PR9116784.

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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