Living & Dining
3 m ceilings
4-bedroom apartment at The Reserve, Santa María
A grand Santa María residence with golf and lake views
Santa María, Panamá
Active
$1,650,000
USD$3,402 / m²
- 4Bed
- 4.5Bath
- 485 m²5,220 ft²
- 3Parking
Overview
Set within The Reserve in Santa María, this 676 m² apartment pairs a golf-course and lake outlook with an unusually generous four-bedroom layout. A 3 m floor-to-ceiling height adds a sense of volume, while the terrace and dedicated study give the home room for both relaxed gatherings and focused work. The residence offers four bedrooms and 4.5 bathrooms, including a guest bathroom, plus a spacious living and dining room. The kitchen features Scavollini cabinetry and Wolf appliances. Luxury finishes include designed ceilings, decorative wall coverings and electric blinds. Air conditioning comprises five units and one additional split unit; Carrier Ser 21 is also specified. Three parking spaces and one storage room are included. The Reserve's shared social area brings together a lagoon pool and lap pool, an artificial white-sand beach, gym, tennis court, mini soccer field, children's playground, basketball court, and walking and jogging trails. A 24-hour doorman serves the tower. The tower also has a full backup generator and water reserve tank; residents can use the social-area pool. Enjoy Santa María living with golf and lake views—contact us to arrange a private visit.
In Short
The apartment at The Reserve in Santa María has four bedrooms, 4.5 bathrooms and a 676 m² structured area. It is offered for sale at USD 1,650,000, with golf-course and lake views. The tower's shared social area includes pools, a gym, sports courts, trails and a 24-hour doorman.
Before You Decide
- The home offers four bedrooms, 4.5 bathrooms, a study and a terrace.
- The shared area includes pools, a white-sand artificial beach, a gym, several sports facilities and walking or jogging trails.
- The source gives no HOA amount, completion year, pet policy or short-term rental rules.
Included in the sale. One storage room is included.
Highlights
- 676 m² apartment in The Reserve, Santa María
- Four bedrooms and 4.5 bathrooms, including a guest bathroom
- Golf-course and lake views
- 3 m floor-to-ceiling height, terrace and study
- Scavollini kitchen cabinetry and Wolf appliances
- Luxury finishes, decorative ceilings and wall coverings, and electric blinds
- Three parking spaces and one storage room
- Shared pools, artificial beach, sports facilities, trails and 24-hour doorman
At a Glance
- Status
- Available
- Asking price
- $1,650,000
- Price per m²
- $2,440.83/m²
- Bedrooms
- 4
- Bathrooms
- 4.5
- Area
- 676 m²
- Parking
- 3 spaces
- Storage
- 1 included
- Terrace
- Yes
- Study
- Yes
- View
- Golf course and lake
- Property type
- Apartment
- Building
- The Reserve
- Neighborhood
- Santa María
- City
- Panamá
- Listing ID
- CNV-PROP-022633
Key Facts
- Category
- Residential
- Unit type
- Apartment Condo
- Ceiling height
- 3 m
- Listed
- 7 December 2023
- Last updated
- 9 July 2024
Gallery
32 photographs of this residence.
Room by Room
Composed from this unit's own specification, not a template.
The Kitchen
1 appliances included
Bathrooms
4.5 bathrooms
What's Included
Everything that stays with the residence.
- Wolf appliances
- Scavollini kitchen cabinetry
- Decorative ceiling designs
- Decorative wall coverings
- Electric blinds
- Luxury finishes
- Electric blinds
- 3 parking spaces
- One storage room is included.
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
- 4
- Full baths
- 4
- Half baths
- 1
- Den / office
- Yes
- Total
- 485 m² · 5,220 ft²
Systems & Comfort
- A/C units
- 6
Parking & Storage
- Spaces
- 3
- Covered
- No
Interior
- Scavollini kitchen cabinetry
- Decorative ceiling designs
- Decorative wall coverings
- Electric blinds
- Luxury finishes
Appliances included
- Wolf appliances
Outdoor
- Terrace
Smart home
- Electric blinds
Costs & Financing
Everything you would actually pay, not just the asking price.
Purchase Summary
- Asking price
- $1,650,000
- Price per m²
- $3,402 / m²
- Cash to close (est.)
- $495,000at 30% down
Mortgage Estimate
- Down payment
- 30% · $495,000
- Loan amount
- $1,155,000
- Rate (assumed)
- 6.25%
- Term
- 30 years
Estimated monthly payment
$7,112
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 is approximately USD 2,440.83 per m² using the structured 676 m² area figure.
- No comparable-sale or rental data is available for evaluating the asking price against nearby properties.
Value Comparison
Asking price per m², against the building, the sector and the country.
Apartment$3,402 / m²
The Reserve average$3,263 / m²
Santa María average$3,682 / m²
Panama average$4,306 / m²
Asking 8% below the Santa María average. Ask us why; sometimes there is a good reason and sometimes there is a reason.
Investment Case
The 676 m² apartment is offered for USD 1,650,000, equivalent to approximately USD 2,440.83 per m² using the structured area figure. Rental income, operating costs and comparable sales are not available.
- —
- Gross yield
- —
- Net yield (est.)
- —
- 5-yr area growth
- —
- Days on market
Price History
- Listed · December 2023$1,650,000
How You Can Pay
The Reserve
We have not researched this building yet. Its name and sector come from our building list, and the listings, prices and photos are the listings' own. Floors, units, fees and amenities appear here once verified; ask us for anything you need before then.
Other residences at The Reserve
Apartment at PH The Reserve in Santa María
The ReserveSanta María
- 2 Beds
- 2.5 Baths
- 183 m²
$545,000
$2,978 / m²
Furnished 2-Bedroom Apartment at The Reserve
The ReserveSanta María
- 2 Beds
- 2 Baths
- 200 m²
Furnished$595,000
$2,975 / m²
3-Bedroom Apartment at The Reserve, Santa María
The ReserveSanta María
- 3 Beds
- 3 Baths
- 232 m²
$740,000
$3,190 / m²
3-Bedroom Apartment at The Reserve, Santa María
The ReserveSanta María
- 3 Beds
- 3.5 Baths
- 260 m²
$760,000
$2,923 / m²
Living in Santa María
Juan Díaz, Panamá
Santa María on Casanova today
- Active sale listings
- 384
- Active rentals
- 0
- Median asking price per m²
- $3,583
Getting Around
Juan Díaz, 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
How many bedrooms and bathrooms does the apartment have?
The apartment has four bedrooms and 4.5 bathrooms, including a guest bathroom.
What shared amenities are available at The Reserve?
The shared social area includes a lagoon pool, lap pool, artificial white-sand beach, gym, tennis court, mini soccer field, children's playground, basketball court, walking and jogging trails, and a 24-hour doorman.
Does the apartment have a golf or lake view?
The apartment is described as having views of the golf course and the lake.
Are backup power and a water reserve available?
The tower is described as having a full backup generator and a water reserve tank.
What is the monthly HOA fee?
The monthly HOA fee is not available.
Are the parking spaces and storage room deeded?
The apartment includes three parking spaces and one storage room; their legal assignment or deed status is not provided.
What appliances are included?
Wolf appliances are named, but a complete appliance inventory is not provided.
Does the tower have backup power and a water reserve?
The tower is described as having a full backup generator and a water reserve tank.
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Interested in The Reserve?
Speak to our team — viewings in person or by video, usually within 48 hours.