CENTURY 21 Edge
$499,0005 bd4.5 ba2,100 sqft$238 /sqft$3,776 /mo all-in ↓

393 MONTE CARMELO, VIEQUES, PR, 00765

Active22 days on marketListed Jul 5, 2026MLS #PR9122569

VillaBO. MONTE CARMELO

About this home

393 MONTE CARMELO

This exceptional turnkey property, where tropical beauty, classic Puerto Rican design, and incredible versatility come together on one stunning property. Surrounded by an impeccably maintained garden featuring towering Mexican palm trees, lush ornamentals, fruit trees, and a productive vegetable garden, this private home offers the perfect blend of island living, flexibility, and investment opportunity. The upper level serves as the primary residence, showcasing a beautifully remodeled kitchen that flows seamlessly into a spacious living room. Expansive doors open onto a wraparound balcony overlooking the spectacular gardens, creating the perfect setting to enjoy breathtaking Caribbean sunsets. A charming balcony nook offers an inviting space for morning coffee, reading, or simply enjoying the peaceful setting. The primary suite is designed as a true retreat, featuring a generous bedroom, an adjoining lounge perfect for a sitting room or office, and a private ensuite bath. The guest bedroom includes a cozy alcove ideal for a work-from-home space and is conveniently located next to a full guest bathroom. The lower level is divided into two additional living spaces, making this property ideal for multi-generational living, guest accommodations, or income-producing rentals. The front apartment features two bedrooms and one bathroom, along with a bright, comfortable living area, cozy kitchen, and a welcoming front porch that opens directly to the gardens. Tucked behind this unit is a spacious studio apartment with soaring ceilings that create an airy, light-filled atmosphere. Complete with its own private kitchen and bathroom, the studio connects to the shared laundry room and is perfect as a guest suite, mother-in-law quarters, or rental. Beyond the studio, you'll discover one of the property's most enchanting features—a standalone aviary transformed into a serene garden retreat filled with an array orchids. Complete with its own kitchenette and bathroom, this unique space is ideal for entertaining, enjoying afternoon coffee or tea, hosting intimate gatherings, or creating an inspiring art or yoga studio. At the front of the property, a spacious two-car garage with an attached storage shed offers abundant storage and exciting potential for conversion into an additional apartment or flexible living space if desired. The fully fenced and gated grounds feature two separate entrances, generous parking, multiple outdoor seating areas, mature fruit trees, vibrant tropical landscaping, and peaceful garden paths that create a private sanctuary. For year-round comfort, all three residential units are equipped with air conditioning. Whether you're seeking a luxurious primary residence, a flexible multi-generational home, or an exceptional income-producing investment, this unique property offers endless possibilities in a place you'll never want to leave.

Facts & features

The home at a glance

5

Bedrooms

4.5

Bathrooms

2,100

Sqft

0.48 ac

Lot size

2

Garage

2000

Year built

Two

Levels

$238

Per sqft

Negotiable

Inside

FlooringCeramic Tile
AppliancesConvection Oven · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · PrimaryBedroom Upstairs
LaundryInside · Laundry Room · Electric Dryer Hookup
CoolingMini-Split Unit(s)
HeatingNone
FurnishedNegotiable

Outside & construction

RoofConcrete
ConstructionConcrete
FoundationConcrete Perimeter
FacesWest
ExteriorBalcony · French Doors · Gray Water System · Storage · Private Entrance · Private Yard

Community & fees

CommunityNone

Utilities & systems

UtilitiesWater Connected · Electricity Connected · Public
WaterPublic

The numbers

What it really costs

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

$3,776 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,938
FHA mortgage insurance (est.)$221
Est. property taxes (1.1%/yr)$457
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,465Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

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
Down payment3.5% · $17,465
Interest rate6.00%
Loan term

Estimated payment

$3,776/mo

Principal & interest$2,938
FHA mortgage insurance (est.)$221
Est. property taxes$457
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 VIEQUES 00765

Map of 393 MONTE CARMELO

The numbers that matter

The VIEQUES 00765 market

This home is listed 28% above the VIEQUES 00765 median.

Paper trail

This home's history

Jul 5, 2026Listed at $499,000 · 22 days on market since
2000Built · BO. MONTE CARMELO

Reality check

What actually sold near 393 MONTE CARMELO

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

696 PR-200Sold · Oct ’25

$775,000

696 PR-200

4 bd · 3 ba · 2,149 sqft · $361/sqft · 587 DOM

425 BRAVOS DE BOSTONSold · Dec ’25

$290,000

425 BRAVOS DE BOSTON

4 bd · 2 ba · 1,500 sqft · $193/sqft · 206 DOM

23 CASA MARGARITA AVENUESold · Mar ’26

$300,000

23 CASA MARGARITA AVENUE

4 bd · 3 ba · 3,000 sqft · $100/sqft · 1099 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.

Krystina Allen

Your agent

Krystina Allen

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 393 MONTE CARMELO — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 393 MONTE CARMELO — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

393 MONTE CARMELO FAQs

What would the monthly payment be for 393 MONTE CARMELO?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,776/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 VIEQUES 00765?+

At $499,000, this home is listed about 28% above the VIEQUES 00765 median of $390,000. The market section on this page shows how the area is trending.

Listing courtesy of VIEQUES PROPERTIES LLC · Betty Lopez. MLS #PR9122569.

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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393 MONTE CARMELO, VIEQUES, PR — 5 Bed, 4.5 Bath — $499,000 | CENTURY 21 Edge