Bathrooms
2 bathrooms
3-Bedroom Apartment at PH The Cosmopolitan San Francisco
A flexible 3-bedroom home with a den and study
San Francisco, Panamá
Active
$320,000
USD$1,928 / m²
- 3Bed
- 2Bath
- 166.01 m²1,787 ft²
- 2Parking
Overview
Set in PH The Cosmopolitan in San Francisco, this 166.01 m² apartment stands out for its adaptable layout: an enclosed balcony has become a den, while the former service room and bathroom were converted into a study. The service area can be reinstated, offering another option for how to use the space. The apartment has three spacious bedrooms, two bathrooms in the structured property details, and two parking spaces. The converted den and study add useful separate areas for working, relaxing or hosting. The description also identifies a half service bathroom associated with the converted service area; confirm the current bathroom configuration when arranging a viewing. PH The Cosmopolitan’s shared amenities include two swimming pools, an event room, a gym, a sauna and a children’s play area. Residents also have access to a BBQ area, covered parking, visitor parking, security and two or more elevators. Located in San Francisco, Panama City, this residence pairs generous space with a range of on-site amenities. Explore the flexible layout and ask Casanova Realty to arrange more information or a viewing.
In Short
For sale at $320,000, this three-bedroom apartment at PH The Cosmopolitan in San Francisco offers 166.01 m² of construction area, two parking spaces and a monthly HOA of $232. An enclosed balcony has been converted into a den, and the former service room and bathroom have been converted into a study. Building amenities include two pools, an event room, gym, sauna, children's play area, BBQ area, security and visitor parking.
Before You Decide
- The apartment offers 166.01 m² of construction area, three bedrooms and two parking spaces.
- The monthly HOA fee is $232; ask for a breakdown of included services and any assessments.
- The former service area was converted into a study, and the source says it can be reinstated.
- Confirm the present bathroom configuration, pet policy and short-term-rental rules before purchase.
The enclosed balcony was converted into a den. The former service room and bathroom were converted into a study and may be reinstated.
Highlights
- 166.01 m² of construction area
- Three spacious bedrooms
- Enclosed balcony converted into a den
- Former service room and bathroom converted into a study; service area can be reinstated
- Two parking spaces
- Building amenities include two swimming pools, a gym and a sauna
- Event room, children's play area and BBQ area
- Security, covered parking, visitor parking and two or more elevators
At a Glance
- Status
- Available for sale
- Asking price
- $320,000
- Price per m²
- $1,927.59/m²
- Bedrooms
- 3
- Construction area
- 166.01 m²
- Parking
- 2 spaces
- Monthly HOA
- $232
- Year built
- 2010
- Property type
- Apartment
- Building
- PH The Cosmopolitan
- Neighborhood
- San Francisco
- City
- Panama City
- Listing ID
- CNV-PROP-002475
Key Facts
- Category
- Residential
- Unit type
- Apartment Condo
- Listed
- 17 July 2026
- Last updated
- 4 October 2026
Gallery
16 photographs of this residence.
Room by Room
Composed from this unit's own specification, not a template.
What's Included
Everything that stays with the residence.
- 2 parking spaces
Explore Apartment
Take a closer look before you travel.
No video on file for this unit yet. We can walk you through it live over WhatsApp — most buyers outside Panama start that way.
Features & Finishes
Layout
- Bedrooms
- 3
- Full baths
- 2
- Den / office
- Yes
- Total
- 166 m² · 1,787 ft²
Parking & Storage
- Spaces
- 2
- Covered
- Yes
Outdoor
- Enclosed balcony converted into a den
Costs & Financing
Everything you would actually pay, not just the asking price.
Purchase Summary
- Asking price
- $320,000
- Price per m²
- $1,928 / m²
- HOA (monthly)
- $232
- Cash to close (est.)
- $96,000at 30% down
Mortgage Estimate
- Down payment
- 30% · $96,000
- Loan amount
- $224,000
- Rate (assumed)
- 6.25%
- Term
- 30 years
Estimated monthly payment
$1,379
Principal and interest only
An illustration, not an offer. Panamanian banks lend up to about 70% to residents and 50–60% to non-residents; your rate depends on the bank, the term and your file.
Monthly Carrying Cost
HOA$232
Property tax$0
Insurance$0
Total, before mortgage:$232 / month
If you let it out
- HOA
- $232
How It Compares
- The asking price equates to approximately $1,927.59 per m², calculated from $320,000 divided by 166.01 m².
- The apartment has two parking spaces and building access to two swimming pools, a gym and a sauna.
Value Comparison
Asking price per m², against the building, the sector and the country.
Apartment$1,928 / m²
San Francisco average$3,573 / m²
Panama average$4,306 / m²
Asking 46% below the San Francisco average. Ask us why; sometimes there is a good reason and sometimes there is a reason.
Investment Case
At $320,000, PH The Cosmopolitan offers a 166.01 m² apartment with three bedrooms, two parking spaces and a monthly HOA of $232. The converted study and den offer flexible use of the space.
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- Gross yield
- —
- Net yield (est.)
- —
- 5-yr area growth
- —
- Days on market
Price History
- Listed · July 2026$320,000
How You Can Pay
This residence is not attached to a building page in our directory.
Living in San Francisco
San Francisco, Panamá
PH The Cosmopolitan
San Francisco, Panamá
Positions are schematic, spaced by travel distance.
Get directionsSan Francisco on Casanova today
- Active sale listings
- 762
- Active rentals
- 0
- Median asking price per m²
- $2,062
Getting Around
San Francisco, Panamá, Panamá · Panama City
Address shown to neighborhood precision for the owner's privacy. The exact address is shared when a viewing is confirmed.
Frequently Asked Questions
What is the asking price?
The asking price is $320,000.
What is the monthly HOA fee?
The monthly HOA fee is listed as $232.
How many bedrooms and bathrooms does the apartment have?
The apartment has 3 bedrooms. The structured property details list 2 bathrooms, while the description also mentions a half service bathroom that was converted along with the service room; confirm the current bathroom configuration.
How many parking spaces are included?
Two parking spaces are included.
What amenities does PH The Cosmopolitan offer?
The building amenities include two swimming pools, an event room, a gym, a sauna, a children's play area, a BBQ area, visitor parking, covered parking and security.
Are pets allowed, and are short-term rentals permitted?
The building's pet and short-term-rental policies are not confirmed.
Are appliances included, and is the apartment furnished?
Appliance inclusions and furnished status are not confirmed.
Does the building have backup power or a water reserve?
Backup-power and water-reserve details are not confirmed.
How many elevators are in the building?
The building is described as having two or more elevators; the exact count is not provided.
What floor is the apartment on, and when was the building completed?
The apartment's floor and the building's completion year are not confirmed. The unit's stated year built is 2010.
Is there a current special assessment?
Current special-assessment information is not available.
How large is the apartment?
The stated construction area is 166.01 m².
What does the monthly HOA fee cost?
The monthly HOA fee is listed as $232; its inclusions are not specified.
How many elevators does the building have?
The building is described as having two or more elevators; an exact count is not stated.
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Interested in 3-Bedroom Apartment at PH The Cosmopolitan?
Speak to our team — viewings in person or by video, usually within 48 hours.