CENTURY 21 Edge
Short-Term Rental Eligible
$975,0002 bd2.5 ba1,518 sqft$642 /sqft$6,680 /mo all-in ↓

400 OCEAN DRIVE UNIT 423, HUMACAO, PR, 00791

Active5 days on marketListed Aug 3, 2026MLS #PR9123153

CondominiumTHE MARBELLA CLUB

About this home

400 OCEAN DRIVE UNIT 423

Marbella Club 423 — a beachfront condo taken down to the studs and rebuilt in 2023 with nothing but top-tier materials and smart systems. This 2-bedroom, 2.5-bath residence at Palmas del Mar sits directly on the sand, and every inch of it has been reimagined for performance as much as beauty. Large-format porcelain tile with commercial-grade epoxy grout runs throughout, paired with Level-5 drywall, Benjamin Moore Aura paint, and solid wood doors finished in marine-grade varnish. The kitchen is a showpiece: Calacatta Mystic quartz waterfall counters, a full quartz backsplash, and custom acrylic cabinetry built for entertaining. The primary suite delivers ocean views alongside a floating double vanity with vessel sinks, LED mirrors, a frameless walk-in shower, and a raised soaking tub behind a privacy glass barn door — plus a remote-controlled shade and a remote bidet toilet. The second bedroom is a true lockout suite with a Murphy bed, en-suite bath, floating vanity, under-counter fridge, cooktop, microwave, and a two-person workspace — perfect for guests or remote work. Behind the walls: three Wi-Fi ducted dehumidifiers, three independent HVAC zones with digital thermostats, two tankless water heaters in series, a new electrical load center, and a reverse osmosis system at the kitchen sink. Designer lighting, curated art, and high-end furniture come with the home, along with LG TVs throughout and a Sonos/Meridian Audio system in the main living area. Smart home features include remote-access locks, four HD security cameras with two-way audio, leak detectors with phone alerts, a dual-camera video doorbell, and whole-unit mesh Wi-Fi. A motorized European screen shields the balcony, and a motorized hurricane shutter with reinforced components protects the raised living room door system — with motorized shades throughout for privacy without losing the view. The Marbella Club offers direct beach access, two beachfront pools, a fitness center, 24-hour security, elevators, and manicured tropical grounds. Palmas del Mar adds two golf courses, tennis and pickleball, an equestrian center, a full-service marina, dining, shopping, and five-plus miles of golf cart paths — plus The Palmas Academy, a top-rated Pre-K–12 private school on-site. A rare turnkey opportunity: nothing to update, everything to enjoy. HOA: $659/month (Marbella Club) + $1,300/year (Palmas del Mar Master Association)

Facts & features

The home at a glance

2

Bedrooms

2.5

Bathrooms

1,518

Sqft

0 ac

Lot size

1

Garage

2008

Year built

One

Levels

$642

Per sqft

Water viewNegotiable

Inside

FlooringCeramic Tile
AppliancesCooktop · Dishwasher · Dryer · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingMini-Split Unit(s)
HeatingNone
FurnishedNegotiable

Outside & construction

RoofConcrete
ConstructionConcrete
FoundationConcrete Perimeter
ViewWater
FacesWest
ParkingUnder Building
ExteriorAwning(s) · Balcony · Hurricane Shutters

Community & fees

PetsNo
CommunityGated Community - Guard · Golf Carts OK

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Available · Electricity Connected · Fiber Optics · Phone Available · Sewer Available · Sewer Connected · Underground Utilities · Water Available · Water Connected
WaterPrivate

The numbers

What it really costs

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

$6,680 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,261
PMI (est., until 20% equity)$366
Est. property taxes (1.1%/yr)$894
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $97,500Loan30-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% · $97,500
Interest rate6.00%
Loan term

Estimated payment

$6,680/mo

Principal & interest$5,261
PMI (est., until 20% equity)$366
Est. property taxes$894
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.

The investor lens

Two ways this home pays

This home sits inside Marbella, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.

Short-term rental

Zoned & eligible

Nightly rentalsAllowed
CommunityMarbella
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

Rental comps for this area are thin right now — ask us for a hand-pulled rent analysis alongside the short-term projection.

Where it sits

Inside Marbella

Map of 400 OCEAN DRIVE UNIT 423

Marbella is a short-term-rental community. See the full guide →

The numbers that matter

The HUMACAO 00791 market

This home is listed 96% above the HUMACAO 00791 median.

Paper trail

This home's history

Aug 3, 2026Listed at $975,000 · 5 days on market since
2008Built · THE MARBELLA CLUB

Reality check

What actually sold near 400 OCEAN DRIVE UNIT 423

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

500 OCEAN DRIVE THE MARBELLA CLUB UNIT 533Sold · Jul ’26

$810,000

500 OCEAN DRIVE THE MARBELLA CLUB UNIT 533 · same community

2 bd · 2.5 ba · 1,766 sqft · $459/sqft · 3 DOM

500 OCEAN DRIVE UNIT 540Sold · Jul ’26

$750,000

500 OCEAN DRIVE UNIT 540 · same community

2 bd · 2.5 ba · 1,775 sqft · $423/sqft · 325 DOM

200 OCEAN DRIVE UNIT 325Sold · Jun ’26

$485,000

200 OCEAN DRIVE UNIT 325 · same community

2 bd · 2 ba · 1,140 sqft · $425/sqft · 282 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.

Gianfranco Di Flumeri Petrelli

Your agent

Gianfranco Di Flumeri Petrelli

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 400 OCEAN DRIVE UNIT 423 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 400 OCEAN DRIVE UNIT 423 — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

400 OCEAN DRIVE UNIT 423 FAQs

What would the monthly payment be for 400 OCEAN DRIVE UNIT 423?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,680/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.

Can 400 OCEAN DRIVE UNIT 423 be rented short-term?+

Yes — this home sits inside Marbella, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.

Are pets allowed at 400 OCEAN DRIVE UNIT 423?+

The listing reports pets: No. 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 HUMACAO 00791?+

At $975,000, this home is listed about 96% above the HUMACAO 00791 median of $497,000. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Positioned at the premium end

$975,000 runs 96% above the HUMACAO 00791 median.

02Zoned for nightly rentals

Marbella is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.

03Water views

The water view is part of what you're buying — views hold value independently of the structure.

Listing courtesy of CASILLAS REALTY GROUP DBA · Ricardo Casillas. MLS #PR9123153.

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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