CENTURY 21 Edge
$1,449,000$1,549,0005 bd3.5 ba3,200 sqft$453 /sqft$9,958 /mo all-in ↓

37 SURFSIDE, HUMACAO, PR, 00791

Active244 days on marketListed Nov 25, 2025MLS #PR9117620

Reduced $100KPrivate poolFully furnishedSingle Family ResidencePALMAS DEL MAR

About this home

37 SURFSIDE

Charming house nestled in the heart of Palmas Del Mar, Humacao, Puerto Rico! This inviting retreat offers a perfect blend of comfort and convenience, ideal for families. Enjoy the refreshing outdoor pool, relax on your private patio, and take advantage of easy beach access. With amenities like air conditioning, a fully equipped kitchen, and modern comforts, it ensures a seamless and enjoyable stay. Explore nearby attractions, from stunning beaches to exciting activities, making it a perfect base for your family.

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

3,200

Sqft

0.2 ac

Lot size

2008

Year built

Two

Levels

$453

Per sqft

Private poolFurnished

Inside

FlooringCeramic Tile
AppliancesCooktop · Dishwasher · Disposal · Dryer · Freezer · Microwave · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Living Room/Dining Room Combo · PrimaryBedroom Upstairs · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingMini-Split Unit(s)
HeatingNone
FurnishedFurnished

Outside & construction

RoofConcrete · Shingle
ConstructionConcrete
FoundationConcrete Perimeter
FacesEast
ExteriorBalcony · Garden · Lighting · Private Yard

Community & fees

HOA fee$108/mo
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesElectricity Available · Electricity Connected · Street Lights · Water Available · Water Connected
WaterPublic

The numbers

What it really costs

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

$9,958 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,819
PMI (est., until 20% equity)$543
Est. property taxes (1.1%/yr)$1,328
HOA fee — from the listing$108
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $144,900Loan30-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% · $144,900
Interest rate6.00%
Loan term

Estimated payment

$9,958/mo

Principal & interest$7,819
PMI (est., until 20% equity)$543
Est. property taxes$1,328
HOA / condo fee$108
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.

Reality check

What actually sold near 37 SURFSIDE

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

1 SHELL CASTLE CLUB UNIT 71Sold · Oct ’25

$1,412,500

1 SHELL CASTLE CLUB UNIT 71 · same community

3 bd · 4.5 ba · 3,000 sqft · $471/sqft · 248 DOM

38-39 SHELL CASTLESold · May ’26

$1,800,000

38-39 SHELL CASTLE · same community

4 bd · 4.5 ba · 3,718 sqft · $484/sqft · 120 DOM

41 LOS LAGOSSold · May ’26

$1,489,000

41 LOS LAGOS · same community

4 bd · 3.5 ba · 3,775 sqft · $394/sqft · 400 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.

Lyra Rae

Your agent

Lyra Rae

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 37 SURFSIDE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 37 SURFSIDE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

37 SURFSIDE FAQs

What would the monthly payment be for 37 SURFSIDE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,958/mo — principal and interest, estimated property taxes, the $108/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 37 SURFSIDE?+

The association fee works out to $108 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

Are pets allowed at 37 SURFSIDE?+

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

Listing courtesy of EXP REALTY PUERTO RICO · Maria Villoldo. MLS #PR9117620.

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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