Four-bedroom residence at The ZIPCODE
The ZIPCODE (Casa 55 residences)San Francisco
- 4 Beds
- 507 Baths
- 294 m²
Price on request
Four-bedroom apartment with private pool in Ocean Reef Islands San Francisco
A 1,050 m² furnished residence with a private pool in Ocean Reef
San Francisco, Panamá
Active
$3,950,000
USD$3,762 / m²
- 4Bed
- 5.5Bath
- 1,050 m²11,302 ft²
- 6Parking
Overview
A rare 1,050 m² Ocean Reef Islands residence brings together generous proportions, a private pool and a striking collection of named luxury finishes. Set within Panama’s distinctive residential community on artificial islands, this furnished apartment is offered for sale at $3,950,000 and includes six parking spaces. Four bedrooms each have a private bathroom, complemented by a den for work or gatherings and service quarters. Fendi furniture, Italian marble floors and Baccarat crystal chandeliers give the interiors a distinctive finish. A walk-in closet, balcony and terrace add useful everyday features, while the private pool creates a personal outdoor retreat. Central air conditioning and a fully equipped kitchen are included; listed appliances include a refrigerator, washer, dryer, dishwasher, stove and microwave, along with LCD and LED televisions and cable TV. Building features include a gym, pool, BBQ area, visitor parking, 24-hour security and a full-capacity emergency generator. Ocean Reef Island Marina is the named neighborhood, within Panama City, and the residence is described with ocean views. Contact Casanova Realty to arrange a private conversation about this exceptional Ocean Reef Islands apartment.
In Short
The apartment is offered for sale at $3,950,000 and has 1,050 m² of total area, four bedrooms, six parking spaces and full furnishing. Features include a private pool, balcony, terrace, central air conditioning, Fendi furniture, Italian marble floors and Baccarat crystal chandeliers.
Before You Decide
- Confirm the bathroom total: the structured figure and narrative description differ.
- Request the HOA amount, inclusions, pet policy and short-term rental rules.
- Verify whether all six parking spaces are included and how they are assigned or titled.
- Confirm which furnishings and appliances remain with the sale.
- Ask for the exact building or tower name and generator coverage details.
Highlights
- 1,050 m² of total area
- Four bedrooms, each with a private bathroom
- Fully furnished, including Fendi furniture
- Italian marble floors and Baccarat crystal chandeliers
- Private pool, balcony and terrace
- Den, service quarters and walk-in closet
- Six parking spaces
- Building features include a gym, BBQ area, 24-hour security and full-capacity emergency generator
At a Glance
- Status
- For sale
- Asking price
- $3,950,000
- Price per m²
- $3,761.90/m²
- Bedrooms
- 4 bedrooms
- Total area
- 1,050 m²
- Parking
- 6 spaces
- Furnishing
- Fully furnished
- View
- Ocean
- Property type
- Apartment
- Community
- Ocean Reef Islands
- Neighborhood
- Ocean Reef Island Marina
- City
- Panama City
- Listing ID
- CNV-PROP-003775
Key Facts
- Category
- Residential
- Unit type
- Apartment Condo
- Listed
- 9 July 2026
- Last updated
- 3 October 2026
Gallery
100 photographs of this residence.
What's Included
Everything that stays with the residence.
- Refrigerator
- Washer
- Dryer
- Dishwasher
- Stove
- Microwave
- LCD television
- LED television
- Cable television
- Fendi furniture
- Italian marble floors
- Baccarat crystal chandeliers
- Walk-in closet
- Den
- Service quarters
- 6 parking spaces
Explore Apartment
Take a closer look before you travel.
Features & Finishes
Layout
- Bedrooms
- 4
- Full baths
- 5
- Half baths
- 1
- Den / office
- Yes
- Laundry room
- Yes
- Total
- 1,050 m² · 11,302 ft²
Systems & Comfort
- Air conditioning
- Central
- Views
- Ocean
Parking & Storage
- Spaces
- 6
- Covered
- No
Interior
- Fendi furniture
- Italian marble floors
- Baccarat crystal chandeliers
- Walk-in closet
- Den
- Service quarters
Appliances included
- Refrigerator
- Washer
- Dryer
- Dishwasher
- Stove
- Microwave
- LCD television
- LED television
- Cable television
Outdoor
- Balcony
- Terrace
- Private pool
Lifestyle
- Turnkey Living
Costs & Financing
Everything you would actually pay, not just the asking price.
Purchase Summary
- Asking price
- $3,950,000
- Price per m²
- $3,762 / m²
- Cash to close (est.)
- $1,185,000at 30% down
Mortgage Estimate
- Down payment
- 30% · $1,185,000
- Loan amount
- $2,765,000
- Rate (assumed)
- 6.25%
- Term
- 30 years
Estimated monthly payment
$17,025
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
Property tax$0
Insurance$0
Total, before mortgage:$0 / month
If you let it out
How It Compares
- The asking price equates to approximately $3,761.90 per m², calculated from $3,950,000 divided by 1,050 m².
- The apartment has six parking spaces, a private pool, a den and service quarters.
Value Comparison
Asking price per m², against the building, the sector and the country.
Apartment$3,762 / m²
San Francisco average$3,573 / m²
Panama average$4,306 / m²
Asking 5% above the San Francisco average — worth understanding what justifies it before you offer.
Investment Case
At $3,761.90 per m², the asking price is $3,950,000 for a furnished 1,050 m² apartment with four bedrooms and six parking spaces.
- —
- Gross yield
- —
- Net yield (est.)
- —
- 5-yr area growth
- —
- Days on market
Price History
- Listed · July 2026$3,950,000
How You Can Pay
This residence is not attached to a building page in our directory.
Living in San Francisco
San Francisco, Panamá
4-bedroom apartment for sale in Ocean Reef
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
Are pets allowed in this Ocean Reef Islands apartment?
Confirm the pet policy with the community administration before making an offer.
What does the monthly HOA include?
The monthly HOA amount and its inclusions require confirmation.
Are short-term rentals allowed?
Confirm short-term-rental rules with the building or community administration.
Are the six parking spaces deeded or assigned?
The apartment has six parking spaces; their deeded or assigned status is not established.
Which appliances are included?
Listed features include a refrigerator, washer, dryer, dishwasher, stove and microwave.
Does the emergency generator provide full-capacity backup?
A full-capacity emergency generator is listed among the building features; the coverage details should be confirmed.
Which internet providers serve the property?
Internet and Wi-Fi are listed; provider names are not available.
How many elevators does the building have, and where is the pool?
The elevator count and the pool's location within the building require confirmation.
When was the building completed?
The building completion year has not been established.
Are there any current special assessments?
The status of any current special assessment requires confirmation with the administration.
How many bedrooms does the apartment have?
The apartment has four bedrooms.
Is the apartment furnished?
Yes. The apartment is described as fully furnished, including Fendi furniture.
Does the apartment have its own pool?
Yes. A private pool is listed as a property feature.
What appliances are listed?
The listed appliances include a refrigerator, washer, dryer, dishwasher, stove and microwave.
Does the building have backup power?
A full-capacity emergency generator is listed; confirm the specific backup coverage.
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Interested in Four-bedroom apartment with private pool in Ocean Reef Islands?
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