HARBOUR LIGHTS DRIVE

Palmas del Mar | Humacao

A Portrait of

Estate Dreams

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Maria Brown -

Presented At

$2,995,000

Bedrooms

Bathrooms

Living

3,600

SQFT

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HARBOUR LIGHTS DRIVE

Palmas del Mar | Humacao

21 HARBOUR LIGHTS DRIVE, Palmas del Mar, Humacao, Puerto Rico. , Palmas del Mar , Humacao

HARBOUR LIGHTS

Welcome to your dream home in the exclusive Palmas del Mar community, where luxury meets the breathtaking beauty of Puerto Rico. This two-story 3,600sqf estate offers an unparalleled combination of stunning ocean, mountain, and city views that must be seen to be truly appreciated. The pictures don't do justice to the mesmerizing vistas that unfold from every corner of this residence. Featuring a fenced-in backyard (2,361m2/0.58 acres Lot), and 2 car garage. Key Features: Bedrooms and Bathrooms: Enjoy comfort and space with four generously sized bedrooms, each thoughtfully designed to provide a peaceful retreat. With four full bathrooms and two half bathrooms, there's an abundance of convenience for both residents and guests. The master suite boasts a private balcony, creating a serene spot to start or end your day. Home Office: Need a dedicated workspace? This home comes with a stylish office, providing the ideal environment for productivity while enjoying the inspiring surroundings. Outdoor Oasis: Immerse yourself in luxury with an infinity pool that seems to blend seamlessly with the horizon. The gazebo and jacuzzi offer additional spaces to relax and entertain, all while savoring the gentle breeze and breathtaking views. An outdoor shower adds a touch of tropical indulgence. Backup Power: Never worry about interruptions with a 20k diesel full-house generator, ensuring your home remains fully operational even during unforeseen circumstances. About Palmas del Mar: Palmas del Mar is a premier resort community known for its upscale amenities, pristine landscapes, and vibrant lifestyle. Nestled on the southeastern coast of Puerto Rico, this exclusive enclave offers world-class golf courses, tennis courts, marinas, and a myriad of dining and entertainment options. Residents enjoy a secure and serene environment, making it an ideal choice for those seeking the perfect blend of luxury and tranquility. Don't miss the opportunity to make this exceptional property your own. Schedule a showing today and experience the epitome of coastal living in Palmas del Mar!

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HARBOUR LIGHTS DRIVE

Palmas del Mar | Humacao

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Property Location

21 HARBOUR LIGHTS DRIVE, Palmas del Mar, Humacao, Puerto Rico., Palmas del Mar Humacao

Local Weather & Climate

Palmas del Mar, Humacao

Current Conditions Updated recently

74 °F

Light rain

Feels Like 76°F

Humidity 92%

Wind 7 mph

Visibility 6.2 mi

Sunrise 10:54 AM

Sunset 10:19 PM

5-Day Forecast

Thu 5 Feb

Rain

High 81°

Low 73°

Fri 6 Feb

Clouds

High 81°

Low 75°

Sat 7 Feb

Clear

High 80°

Low 72°

Sun 8 Feb

Clouds

High 78°

Low 72°

Mon 9 Feb

Rain

High 76°

Low 71°

Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Palmas del Mar?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

Home Price

Down Payment

$100,000

Interest Rate

Loan Term

Estimated Monthly Payment $3,160

Monthly Payment Breakdown

Principal & Interest $2,528

Loan Amount $400,000

Total Interest $337,621

Total Cost $737,621

Potential Tax Benefits (United States)

$0 Est. First Year Interest Deduction

$0 Est. Annual Tax Savings

*Based on post-2017 tax law. Actual deductions depend on filing status, itemization, and current tax laws.

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Important Information

This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
Tax benefit calculations are simplified estimates based on general assumptions for United States. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
Tax Year Information: Tax data shown is based on United States tax year 2025 (fiscal year: January-December), rules effective from 2018 through 2025. Tax laws change frequently and may have been amended since this data was compiled.

Tax Information Disclaimer

The tax benefit information displayed on this page is provided for general informational and educational purposes only. This information:

Does not constitute tax advice and should not be relied upon as such. Tax laws are complex and vary by jurisdiction, individual circumstances, and are subject to change without notice.
May not be current or accurate for your specific situation. Tax rules are updated frequently by governments, and the information shown may not reflect the most recent changes.
Uses simplified assumptions that may not apply to your circumstances, including filing status, total income, other deductions, alternative minimum tax considerations, and local tax variations.
Should not be used as the basis for any tax planning decisions or financial strategies without consulting a qualified tax professional licensed in your jurisdiction.

Before making any decisions based on potential tax benefits, you should consult with a qualified tax advisor, certified public accountant (CPA), or licensed tax professional who can evaluate your specific circumstances and provide advice tailored to your situation.

Limitation of Liability: By using this calculator, you acknowledge that all results are approximations and should not be relied upon for financial, legal, or tax decisions. openluxe, its affiliates, officers, directors, employees, and agents expressly disclaim all liability for any damages, losses, or consequences arising from the use of or reliance on this calculator or the information provided herein. openluxe is not a lender, financial advisor, or tax professional and does not provide mortgage loans, financial advice, or tax advice. Use of this calculator does not create any professional relationship.

$2,995,000

21 HARBOUR LIGHTS DRIVE, Palmas del Mar, Humacao, Puerto Rico.

Palmas del Mar, Humacao

4 Beds

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Market Opinion

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Our perspective on current market conditions in Palmas del Mar. For informational purposes only — always consult a licensed real estate professional before making decisions.

Market Analysis

International luxury real estate typically appreciates steadily over time.

Buyer Score

Estimated regional appreciation: 4% annually

Ultra-luxury properties tend to be more resilient during market downturns

Future Value & Wealth Building

Starting investment: $299,500,000 20% down ($59,900,000)

Investment Perspective

$1 → $1.36

Every dollar invested today could become $1.36 in 10 years

$100 → 136 $1,000 → $1,362

$25,736/day

Your home may appreciate while you sleep

$180,647/week $782,802/mo $9,393,627/yr

$100K Investment Comparison (10 Years)

Real Estate (Leveraged)

$281K

S&P 500 Index

$259K

High-Yield Savings

$155K

Real estate leverage: potential 8% advantage over stocks

-$164.8M

+$233.8M

$233.8M Potential Equity

vs $164.8M lost to rent over 10 years

$59.9M Down Payment Growth

3.9x

10yr

$233.8M

8.1x

20yr

$484.0M

12.6x

30yr

$756.4M

Wealth Comparison

×1,801

Equivalent to 1,801 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $756.4M

Time to Double Your Investment (accounting for market cycles)

42.4

years

Conservative

1.65% effective/yr

22.4

years

Market-Based

3.14% effective/yr

15.3

years

Optimistic

4.62% effective/yr

Projected Home Values (adjusted for market cycles)

10 Years

Conservative $352.7M +18%

Market $407.9M +36%

Optimistic $470.7M +57%

$233.8M est. equity

20 Years

Conservative $415.4M +39%

Market $555.4M +85%

Optimistic $739.6M +147%

$484.0M est. equity

30 Years

Conservative $489.2M +63%

Market $756.4M +153%

Optimistic $1,162.3M +288%

$756.4M est. equity

These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Important Disclaimer

The information presented in this Market Opportunity Opinion is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or real estate advice. This analysis represents our opinion based on publicly available data and should not be relied upon as the sole basis for any real estate or investment decision.

No Guarantee of Accuracy: While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the data, projections, or analysis contained herein. Market conditions can change rapidly and unpredictably.

Not Professional Advice: This content does not constitute professional real estate, financial, or investment advice. We strongly recommend consulting with qualified professionals—including licensed real estate agents, financial advisors, attorneys, and tax professionals—before making any real estate or investment decisions.

Past Performance Disclaimer: Historical data and trends presented do not guarantee future results. Real estate markets are subject to numerous factors beyond the scope of this analysis, including economic conditions, interest rates, local regulations, and unforeseen events.

By viewing this information, you acknowledge that you understand these limitations and agree that the property owner, listing agent, brokerage, and platform providers shall not be held liable for any decisions made based on this analysis.

Data from World Bank and regional real estate market research | Estimates based on historical appreciation trends

Frequently Asked Questions

Common questions about this property

How many bedrooms and bathrooms does 21 HARBOUR LIGHTS DRIVE, Palmas del Mar, Humacao, Puerto Rico have?

This house at 21 HARBOUR LIGHTS DRIVE, Palmas del Mar, Humacao, Puerto Rico features 4 bedrooms with 3,600 square feet of living space.

What is the size of 21 HARBOUR LIGHTS DRIVE, Palmas del Mar, Humacao, Puerto Rico?

This property offers 3,600 square feet of living space.

What is the listing price for 21 HARBOUR LIGHTS DRIVE, Palmas del Mar, Humacao, Puerto Rico?

This property is listed at $299,500,000, which equals $83194 per square foot.

Is now a good time to buy a home in Palmas del Mar?

Based on current market indicators, Palmas del Mar shows an active market. The market opportunity score is 65 out of 100, reflecting factors like price trends, inventory levels, and days on market.

What type of property is 21 HARBOUR LIGHTS DRIVE, Palmas del Mar, Humacao, Puerto Rico?

This is a house located in Palmas del Mar, Humacao. The property is situated in an established neighborhood with convenient access to local amenities and services.

Brokerage: