
13 SURFSIDE, HUMACAO, PR, 00791
Active143 days on marketListed Mar 3, 2026MLS #PR9119632
About this home
13 SURFSIDE
Concrete. Light. Ocean. | A Rare Beach Residence in Surfside. An exercise in tropical modernism with restrained brutalist undertones, this beach-adjacent residence in Surfside at Palmas del Mar was conceived with a clear architectural point of view. Exposed concrete, natural wood, stone, and expansive glass form a composition that is intentional, textural, and quietly powerful. What distinguishes this property is not simply its design, but its placement. Within Palmas del Mar—where most homes enjoy elevated vantage points over the coastline—only a select few are positioned directly at sand level. This is one of those rare sites. Set beside a discreet cove known primarily to neighboring residents, the home exists in immediate relationship to the Caribbean. The ocean is not a distant backdrop; it is a constant atmospheric presence—audible, palpable, and steps away. Upper-level terraces capture glimpses of blue beyond the palms, while the ground plane opens directly toward the shore. Inside, double-height volumes wrapped in glass invite shifting light to animate raw concrete surfaces throughout the day. A sculptural natural wood staircase rises as a focal counterpoint, softening the structure’s material rigor. The kitchen, conceived as an integrated architectural element rather than a decorative feature, pairs paneled appliances with porcelain slab countertops in a subdued palette that complements the home’s geometry. The main residence comprises three en-suite bedrooms with walk-in closets, including a primary suite of generous scale with private terrace access. A detached guest suite with an independent entrance offers flexibility for visitors, studio use, or extended stays. A full power generator provides uninterrupted functionality. The architectural framework is complete and resolved. The surrounding grounds remain intentionally open, presenting a compelling opportunity to introduce a curated landscape and pool environment. A commissioned design concept is available to illustrate how water, planting, and spatial layering could further articulate the property’s relationship to the coast. Surfside is one of the most desirable beachfront neighborhoods within Palmas del Mar, Puerto Rico’s premier resort community, home to championship golf, a full-service marina, equestrian and tennis facilities, and refined dining—yet even here, true beach-level adjacency remains exceptionally limited.
Facts & features
The home at a glance
3
Bedrooms
5
Bathrooms
7,450
Sqft
0.37 ac
Lot size
2023
Year built
Two
Levels
$336
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$14,988 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$14,988/mo
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
The numbers that matter
The HUMACAO 00791 market
This home is listed 405% above the HUMACAO 00791 median.
Paper trail
This home's history
Reality check
What actually sold near 13 SURFSIDE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$3,800,000
12 RIDGE TOP · same community
5 bd · 6 ba · 8,149 sqft · $466/sqft · 23 DOM
Sold · Nov ’25$5,200,000
44/45 HARBOUR VIEW · same community
8 bd · 10 ba · 8,984 sqft · $579/sqft · 169 DOM
Sold · Apr ’26$1,850,000
30 LOS LAGOS · same community
4 bd · 3.5 ba · 4,903 sqft · $377/sqft · 0 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.
Your agent
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 13 SURFSIDE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13 SURFSIDE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13 SURFSIDE FAQs
What would the monthly payment be for 13 SURFSIDE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,988/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 13 SURFSIDE?+
The most recent tax bill on record (2026) was $4,803. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in HUMACAO 00791?+
At $2,500,000, this home is listed about 405% above the HUMACAO 00791 median of $495,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of BOURET REAL ESTATE · Coral Bouret. MLS #PR9119632.
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.


