🏝️ For Sale By Owner · Culebra, Puerto Rico

Casa Pana

4-Apartment Income Compound · 12-Minute Walk to the Ferry · Sold As-Is
$599,000 · Free & Clear · No Mortgage, No Liens
4
Apartments
6 / 5
Beds / Baths
827 m²
Lot (≈0.20 ac)
1986
Built
12 min
Walk to Ferry

The Opportunity

A rare free-and-clear income compound on Culebra — four separate apartments, each with its own private entrance, on an 827 m² lot (≈8,902 sq ft · ≈989 sq yd · ≈0.20 acres) a flat 12-minute walk from the ferry terminal and downtown Dewey.

Two units are actively producing Airbnb income today; a third is turnkey-ready, and the fourth — the 3-bedroom Grande — is the value-add: currently owner-occupied, it returns to the rental pool the moment the next owner is ready. The property has a documented multi-year operating history and, critically, is zoned RI — short-term rental is a permitted use by right, not a gray area.

No mortgage. No liens. Sold as-is. Bring your own inspection.

Four Apartments · Four Private Entrances

Casita — Apt 1
Detached casita, ~10 ft west of the main house
● Producing

Standalone 1-bedroom cottage. Full kitchen, bathroom with shower & hot water. Privacy of a detached structure — the most independent of the four units.

Pelicano — Apt 2
Front entrance of the main house
● Producing

1-bedroom, full kitchen, bathroom with shower & hot water. Actively booking on Airbnb through 2026.

Carey — Apt 3
Right-side entrance of the main house
◆ Turnkey-Ready

1-bedroom, full kitchen, bathroom with shower & hot water — same configuration as Casita and Pelicano. Rentable and ready to re-list; historically one of the property's strongest 1-bedroom performers.

Grande — Apt 4
The flagship · main residence
◆ Value-Add

3 bedrooms, 2 bathrooms, full kitchen — the largest and historically highest-earning unit (top ADR on the property). Currently the owner's residence; needs light work, then easily commands $200+/night. This is the upside lever the next owner controls.

Proven Income · Real Operating History

$115,492 peak year
2023 gross Airbnb revenue — all four apartments, self-managed · $85K–$115K range across full-operation years (2021–2023)

Casa Pana isn't a pro-forma fantasy — it has years of actual Airbnb bookings behind it. Figures for 2021–2023 come from a single continuous Airbnb earnings export (one source, verifiable against 1099s). 2024–2026 were reduced-operation years by the owner's choice, not demand — those figures are available on request and in due diligence.

YearGrossNotes
2019$58,912First full year · all 4 units (operating records)
2020$27,470COVID — not representative
2021$85,255Full year · all 4 units
2022$96,494Full year · all 4 units
2023$115,492🏆 Peak year · all 4 units · every unit's best year
2024–26on requestReduced operation by the owner's choice (owner moved into Grande; only 2 units kept active — both kept booking). Figures available on request — ask the owner.

Per-Unit — 2023, the Last Full-Operation Year

All four apartments hit their best year simultaneously in 2023 — one export, one year, one verifiable total.

Grande (3BR/2BA)$35,593Flagship · highest ADR
Pelicano (1BR)$30,187Still producing today
Carey (1BR)$26,503Turnkey — ready to re-list
Casita (1BR)$23,209Still producing today
Total$115,492
PROJECTION · NOT HISTORICAL
~$130,000 / year

Full-activation potential with all four units back on Airbnb at current market pricing and a 65% occupancy target (range $120K–$140K) — just ~13% above the proven 2023 actual. This is the value-add thesis: the property has already demonstrated $115K; reactivate Carey and Grande and you're back at peak with today's higher nightly rates as tailwind. Underwrite to the historical figures; treat full activation as the upside you control.

2021–2023 figures are gross Airbnb earnings (include guest-paid cleaning fees, net of Airbnb host service fees) from a single continuous Airbnb earnings export for this property's four apartments; 2019–2020 from the owner's operating records. 2024–2026 reduced-operation figures available on request. Non-Airbnb channel revenue (long-term renters, HomeAway) excluded — figures are conservative. Buyer should reconcile against bank deposits and 1099s during due diligence. Self-managed — no property-management fee in these figures.

2027 Outlook Model · Drill Into Every Number

FORWARD MODEL · NOT HISTORICAL · BUYER TO UNDERWRITE INDEPENDENTLY

A normal operating year with all four units back on Airbnb at current (2026) pricing, built line-by-line from this property's own 2018–2024 transaction ledger. Tap any row group to expand the math.

$130K
Modeled Revenue
−$61K
Operating Costs
$69K
NOI (Self-Managed)
11.5%
Cap @ $599K Ask
💰 Revenue build-up — $130,000tap to expand ▾
UnitPeak rateBlended ADR¹Nights²Revenue
Grande (3BR/2BA)$275$171237$40,500
Pelicano (1BR)$220$136237$32,400
Carey (1BR)$219$136237$32,200
Casita (1BR)$170$105237$25,000
Total~$130,100
Occupancy sensitivity: 60% → ~$120K · 65% → ~$130K · 70% → ~$140K. The 65% target equals ~237 booked nights/unit — a density the flagship Grande has already demonstrated historically.
+ Potential earnings beyond Airbnb*: $3,000–$6,000/yr. The owner's ledger shows demonstrated non-Airbnb demand — long-term renters earned $1.3K–$6.4K/yr (2018–2022, $16.5K total) plus HomeAway bookings ($2.5K). Not included in the $130K model — pure upside for a buyer who works direct-booking or shoulder-season long stays.

¹ Blended annual ADR ≈ 62% of seasonal peak (PR high-season peaks, shoulder discounts) — derived from this property's historical seasonal pattern. Grande/Carey peaks derived from their historical ADR ratio to Pelicano. ² 237 nights = 65% of 365.

📉 Operating costs — $61,400tap to expand ▾
LineModelBasis (owner's ledger)
Cleaning & turnover services³$26,000Scales with bookings; 2022 actual $24.0K at $96K rev
Supplies & consumables$9,0002021 $6.8K · 2022 $11.6K actuals
Labor / handyman$5,000Lumpy historically ($0–$14K); normalized
Electric (single meter)$6,5002022 actual $6,432 — owner pays all 4 units
Water$2,200$1.7K–$2.4K actuals
Internet (2 Aeronet pods)$1,000$760–$1,190 actuals
Phone / misc utility$5002023 actual ~$1.0K (partial personal)
CRIM property tax$2,500Owner's current bill
Insurance (windstorm/hazard)⁴$4,500ESTIMATE — quote pending, buyer to verify
Marketing$300$40–$760 actuals
Capex reserve (3% of revenue)$3,900Standard reserve; ~$96K already renovated 2019–22
Total$61,400

³ Guest-paid cleaning fees are embedded in the $130K gross, so this line is largely self-funding. ⁴ Insurance is the one line with no ledger history — the owner held no hazard policy; a buyer's lender will require one. Excluded: mortgage (sold free & clear), owner car/travel (personal), property management ($0 — self-managed; add 15–25% of revenue if outsourcing).

🏦 Net operating income & cap ratetap to expand ▾
Modeled gross revenue$130,000
Operating costs−$61,400
NOI — self-managed$68,600
→ Cap rate at $599,000 ask11.5%
NOI with third-party PM (20% of rev)$42,600
→ Cap rate, fully outsourced7.1%
Why this model is credible: the property already grossed $115.5K in 2023 — the $130K model is only ~13% above a proven actual, driven by current nightly pricing. Every cost line traces to this property's own 2018–2024 transaction ledger, available for due-diligence review.

This is a forward-looking model, not a representation of future performance. Assumes self-management at the owner's historical cost structure, 65% occupancy across all four units, and current 2026 nightly pricing held through 2027. Buyer should build their own underwriting with verified insurance and CRIM figures.

Zoning · Short-Term Rental Permitted By Right

ZONED RI

The income use is legally protected — not a loophole.

Across the Caribbean, the single biggest risk to a vacation-rental investment is zoning uncertainty. Casa Pana's classification (RI) explicitly permits Short-Term Supplementary Accommodation and Apartment Building as uses by regulation. The four-unit Airbnb operation conforms to zoning by right.

  • Short-Term Supplementary Accommodation
  • Apartment Building
  • Bed & Breakfast
  • Guest Houses
  • Single-Family Homes
  • Specialized Accommodations

Cadastre 476-002-003-26. Permitted-use list per the property's CRIM zoning record. Buyer to verify current zoning status independently.

Operating Expenses · Self-Managed

Transparent operating cost picture from the owner's records. Compute your own NOI — figures below assume self-management (no PM fee).

Electric Single meter — owner pays all 4 units, not sub-metered
~$7,000 / yr
Cleaning Largely guest-paid pass-through (fees embedded in gross)
~$19,500 / yr
Water
~$1,700 / yr
Internet Two Aeronet pods on site
~$930 / yr
Repairs / handyman
~$5,000 / yr
CRIM property tax
~$2,500 / yr
Property management
$0 (self-managed)
Windstorm / hazard insurance Buyer to obtain quote — varies by coverage
Quote pending

Context: ~$96K invested in renovations 2019–2022 (bathrooms, AC, water heater, tile, doors). A buyer who outsources management should add ~15–25% of revenue. Insurance and current CRIM bill to be confirmed in due diligence.

Location · 12-Minute Walk to the Ferry

Downtown Dewey, Culebra — walkable to the ferry terminal, restaurants, and the dinghy dock. Guests arrive by ferry and walk to the door; no car required.

Approximate location. Cadastre 476-002-003-26 · 18.3096, -65.3039. Walk time is approximate.

Lot Size — per cadastre (approx.)
827
≈ 8,902 sq ft
≈ 989 sq yd
≈ 0.20 acres
≈ 0.083 hectares
≈ 0.21 cuerdas (PR)

What Conveys

✅ Included: The land and all four apartment units, sold as-is. Existing apartment furnishings (to be itemized). The apartments' Airbnb operating history is available to qualified buyers for due-diligence review.
✅ Unencumbered income — no leases convey. All four units operate as short-term vacation rentals (Airbnb). There are no long-term tenants and no leases that transfer with the sale — the buyer takes a clean income stream and vacant possession of the Grande value-add unit. Turnkey to step into, with nothing to inherit.
⚠️ Not included — real-estate-only sale. The Todo Culebra e-bike rental business, its inventory, branding, and operations are not part of this transaction and will relocate from the property upon closing. Buyer is purchasing the land and four apartments only. The rental income presented above is apartment income — entirely separate from the e-bike business.

Disclosures

Sold AS-IS, where-is. Buyer responsible for their own inspection and due diligence.
Single electric meter. The property is not sub-metered; the owner pays electric for all four units.
Title: Free and clear — no mortgage, no liens. Cash or conventional financing; no seller financing.
Grande (Apt 4) is currently owner-occupied and needs light work before re-entering the rental pool.
Buyer to independently verify: zoning status, current CRIM bill and assessed value, square footage, insurance quotes, and all rental-income figures against bank/1099 records.

Request Information

Serious inquiries — send a note and I'll get back to you with the full diligence package (income detail, photos, and a showing).