CENTURY 21 Edge
$1,499,000$1,790,0005 bd6.5 ba4,800 sqft$312 /sqft$10,203 /mo all-in ↓

3 CARLOTA STREET, GUAYAMA, PR, 00784

Active78 days on marketListed May 24, 2026MLS #PR9121538

Reduced $291KPrivate poolSingle Family ResidenceURB VISTAMAR

About this home

3 CARLOTA STREET

Spacious residence located in the exclusive gated community of Vistamar in Guayama. This impressive corner-lot property features 2 stories plus a basement, offering generous living spaces designed for comfort, elegance, and entertaining. From the main entrance, a welcoming sitting area flows seamlessly into the open-concept living and dining spaces, complemented by a modern bar area perfect for entertaining guests. An elegant staircase highlighted by a stunning chandelier leads to the mezzanine and second floor, adding sophistication and architectural charm to the home. The second level features 5 spacious bedrooms, each with large wood closets and modern en-suite bathrooms finished with elegant details. The expansive primary suite includes a private office area and a luxurious en-suite bathroom with marble finishes, double vanities, separate his-and-hers toilet areas, and a spacious shower designed for comfort and privacy. The modern kitchen is designed for both functionality and style, featuring high-end appliances including an oven, microwave, French-door refrigerator, and dishwasher. Floor-to-ceiling cabinetry provides abundant storage space, while the spacious layout includes a cozy everyday dining area within the kitchen, perfect for daily family gatherings and casual entertaining. Enjoy exceptional outdoor living with a spacious terrace overlooking the pool, creating the perfect setting for relaxing afternoons, outdoor dining, and entertaining family and friends. The covered terrace is equipped with ceiling fans for year-round comfort and seamlessly connects to the garden and pool area, offering a private resort-style atmosphere ideal for gatherings and weekend enjoyment. The expansive landscaped garden provides plenty of space for outdoor activities, pets, and future additions such as a gazebo or outdoor kitchen. The property also features both front and rear garages, offering convenient access, additional parking capacity, and extra flexibility for guests, recreational vehicles, or storage. For added peace of mind and convenience, the home is equipped with a full power generator that supplies the entire property, ensuring uninterrupted comfort during power outages. A large cistern provides reliable water reserve capacity, an important feature for continuous daily living and convenience. The basement includes a private wine cellar, perfect for wine enthusiasts and entertaining, as well as ample additional storage space for seasonal items, equipment, or personal collections. Located in a quiet and centrally located neighborhood in Guayama, this exceptional property offers privacy and tranquility while remaining close to shopping centers, schools, restaurants, and major conveniences..

Facts & features

The home at a glance

5

Bedrooms

6.5

Bathrooms

4,800

Sqft

0.36 ac

Lot size

1995

Year built

Three Or More

Levels

$312

Per sqft

Private poolNegotiable

Inside

FlooringBrick/Stone · Marble · Terrazzo · Travertine
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Dryer · Range Hood · Refrigerator · Washer
InteriorAccessibility Features · Built-in Features · Ceiling Fan(s) · Central Vacuum · Crown Molding · Dry Bar · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Smart Home · Solid Surface Counters · Solid Wood Cabinets · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar
LaundryLaundry Room
CoolingMini-Split Unit(s) · Other · Zoned
HeatingNone
FurnishedNegotiable

Outside & construction

RoofConcrete
ConstructionBlock
FoundationBasement · Concrete Perimeter
FacesSouth
ExteriorBalcony · Garden · Private Entrance · Private Mailbox · Private Yard · Rain Gutters · Sidewalk · Storage

Community & fees

HOA fee$18/mo
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Available · Electricity Available · Fiber Optics · Phone Available · Propane · Sewer Connected · Street Lights · Water Available
WaterPrivate

The numbers

What it really costs

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

$10,203 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$8,089
PMI (est., until 20% equity)$562
Est. property taxes (1.1%/yr)$1,374
HOA fee — from the listing$18
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $149,900Loan30-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% · $149,900
Interest rate6.00%
Loan term

Estimated payment

$10,203/mo

Principal & interest$8,089
PMI (est., until 20% equity)$562
Est. property taxes$1,374
HOA / condo fee$18
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 GUAYAMA 00784

Map of 3 CARLOTA STREET

The numbers that matter

The GUAYAMA 00784 market

This home is listed 622% above the GUAYAMA 00784 median.

Paper trail

This home's history

CurrentPrice reduced to $1,499,000 $291K
May 24, 2026Listed at $1,790,000 · 78 days on market since
1995Built · URB VISTAMAR

Reality check

What actually sold near 3 CARLOTA STREET

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

Estancias El Vigía SANSONSold · Feb ’26

$239,000

Estancias El Vigía SANSON

4 bd · 3 ba · 1,469 sqft · $163/sqft · 5 DOM

2 CALLESold · Feb ’26

$205,000

2 CALLE

4 bd · 2 ba · 0 sqft · 28 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.

Tyler Stoddard

Your agent

Tyler Stoddard

REALTOR · CENTURY 21 Edge

Tours, negotiation, and every question about 3 CARLOTA STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3 CARLOTA STREET — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

3 CARLOTA STREET FAQs

What would the monthly payment be for 3 CARLOTA STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,203/mo — principal and interest, estimated property taxes, the $18/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 3 CARLOTA STREET?+

The association fee works out to $18 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

Are pets allowed at 3 CARLOTA STREET?+

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.

How does the price compare to other homes in GUAYAMA 00784?+

At $1,499,000, this home is listed about 622% above the GUAYAMA 00784 median of $207,500. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Positioned at the premium end

$1,499,000 runs 622% above the GUAYAMA 00784 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 $1,790,000, now $1,499,000 — a $291K cut. The full history is in the market section below.

Keep looking

Similar homes nearby

Listing courtesy of MOLLY BYRNE ASSAD · Molly Byrne Assad. MLS #PR9121538.

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3 CARLOTA STREET, GUAYAMA, PR — 5 Bed, 6.5 Bath — $1,499,000 | CENTURY 21 Edge