CENTURY 21 Edge

PR 681, ARECIBO, PR, 00612

Active159 days on marketListed Feb 14, 2026MLS #PR9119292

Waterfront

About this home

PR 681

Bo. Islote, Sector Melilla | PR-681 | Approx. 1.78 Acres | Zoned R-I Oceanfront development opportunity on Puerto Rico’s north coast. Located in Bo. Islote, Sector Melilla in Arecibo, this approximately 1.78-acre property offers direct frontage along PR-681 and the Atlantic Ocean, combining strong visibility, accessibility, and a highly desirable coastal setting. The property consists of two estates being sold together in a single transaction and includes existing structures, one currently habitable and another requiring repairs. The existing improvements are considered accessory and not the primary basis of value, offering flexibility for future site planning. Positioned in an area recognized for its oceanfront character, tourism activity, and growing residential demand, the site benefits from proximity to well known destinations such as La Poza del Obispo Beach and the Arecibo Lighthouse and Historical Park, as well as restaurants and local attractions along the north coast corridor. Zoned R-I (Residential-Intermediate), the property allows for a range of residential and residential-related uses, subject to applicable permits and regulatory approvals. Utilities, including water and electricity, are connected. With direct ocean frontage, highway exposure, and zoning flexibility, this property represents a compelling opportunity for buyers seeking oceanfront land with development potential along Puerto Rico’s north shore.

Facts & features

The home at a glance

1.7 ac

Lot size

WaterfrontCity & Water viewPets allowed

Inside

Outside & construction

ViewCity · Water
FacesNorth

Community & fees

Taxes (2025)$1,545/yr
PetsYes

Utilities & systems

UtilitiesElectricity Available · Public · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

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

$7,214 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,475
PMI (est., until 20% equity)$450
Property tax — 2025 actual bill$129
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $120,000Loan30-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% · $120,000
Interest rate6.00%
Loan term

Estimated payment

$7,214/mo

Principal & interest$6,475
PMI (est., until 20% equity)$450
Property taxes (actual bill)$129
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 ARECIBO 00612

Map of PR 681

The numbers that matter

The ARECIBO 00612 market

This home is listed 371% above the ARECIBO 00612 median.

Paper trail

This home's history

Feb 14, 2026Listed at $1,200,000 · 159 days on market since

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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about PR 681 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for PR 681 — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

PR 681 FAQs

What would the monthly payment be for PR 681?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,214/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on PR 681?+

The most recent tax bill on record (2025) was $1,545. 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 PR 681?+

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 ARECIBO 00612?+

At $1,200,000, this home is listed about 371% above the ARECIBO 00612 median of $255,000. The market section on this page shows how the area is trending.

Listing courtesy of AILEEN BEALE REAL ESTATE · Maria Checo Campos. MLS #PR9119292.

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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PR 681, ARECIBO, PR — $1,200,000 | CENTURY 21 Edge