Bathrooms
5 bathrooms
4-Bedroom Apartment for Sale in Ocean Reef Islands
A furnished 1,050 m² first-floor residence in Ocean Reef Islands
Ocean Reef Islands, Panamá
Active
$3,990,000
USD$3,800 / m²
- 4Bed
- 5Bath
- 1,050 m²11,302 ft²
- 1Floor
Overview
Set within Ocean Reef Islands in Punta Pacífica, this first-floor apartment brings together an expansive 1,050 m², four bedrooms and five bathrooms. The residence is offered furnished and decorated, creating a ready-to-enjoy home in one of Panama City’s exclusive residential areas. Its $3,990,000 asking price equates to $3,800 per m². The apartment is described as completely ready, furnished and decorated. Its first-floor position, generous stated area and four-bedroom, five-bathroom configuration distinguish it among homes offered in Ocean Reef Islands. Additional details such as parking, storage, a maid’s room, appliances and interior finishes are not specified. Ocean Reef Islands is in Punta Pacífica, Panama City, an area presented as exclusive and suited to a tranquil, luxurious lifestyle. The apartment’s furnished, decorated condition offers a convenient starting point for a buyer looking to settle into this island address. Contact Casanova Realty to request further information or arrange a viewing.
In Short
The Ocean Reef Islands apartment is offered for $3,990,000 USD. It is a furnished, decorated first-floor residence with 1,050 m², four bedrooms and five bathrooms in Punta Pacífica, Panama City.
Before You Decide
- The asking price is $3,990,000 USD, or $3,800 per m² using the stated 1,050 m² area.
- The apartment is furnished and decorated, but a furniture inventory and confirmation of sale inclusions are not provided.
- Parking, storage, HOA fees and building amenities are not specified.
Included in the sale. The apartment is described as furnished and decorated; a furniture inventory and sale-inclusion terms are not specified.
Highlights
- 1,050 m² of stated area
- Four bedrooms
- Five bathrooms
- First-floor apartment
- Furnished and decorated
- Ocean Reef Islands address in Punta Pacífica
- Asking price: $3,990,000 USD
At a Glance
- Status
- Available
- Asking price
- $3,990,000 USD
- Price per m²
- $3,800/m²
- Bedrooms
- 4 bedrooms
- Bathrooms
- 5 bathrooms
- Area
- 1,050 m²
- Floor
- First floor
- Furnishing
- Furnished and decorated
- Property type
- Apartment
- Community
- Ocean Reef Islands
- Neighborhood
- Ocean Reef Islands, Punta Pacífica
- City
- Panama City
- Listing ID
- CNV-PROP-041259
Key Facts
- Category
- Residential
- Unit type
- Apartment Condo
- Listed
- 4 October 2026
- Last updated
- 4 October 2026
Gallery
22 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.
- The apartment is described as furnished and decorated; a furniture inventory and sale-inclusion terms are not specified.
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
- 5
- Total
- 1,050 m² · 11,302 ft²
Parking & Storage
- Covered
- No
Costs & Financing
Everything you would actually pay, not just the asking price.
Purchase Summary
- Asking price
- $3,990,000
- Price per m²
- $3,800 / m²
- Cash to close (est.)
- $1,197,000at 30% down
Mortgage Estimate
- Down payment
- 30% · $1,197,000
- Loan amount
- $2,793,000
- Rate (assumed)
- 6.25%
- Term
- 30 years
Estimated monthly payment
$17,197
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
- This property is a 1,050 m², four-bedroom, five-bathroom apartment in Ocean Reef Islands.
- Its calculated asking price is $3,800 per m²; no comparable sales are supplied.
Value Comparison
Asking price per m², against the building, the sector and the country.
Apartment$3,800 / m²
Ocean Reef Islands average$6,297 / m²
Panama average$4,306 / m²
Asking 40% below the Ocean Reef Islands average. Ask us why; sometimes there is a good reason and sometimes there is a reason.
Investment Case
At $3,800 per m², the asking price is $3,990,000 for a furnished 1,050 m², four-bedroom apartment with five bathrooms in Ocean Reef Islands. Rental income, expenses and comparable sales are not established.
- —
- Gross yield
- —
- Net yield (est.)
- —
- 5-yr area growth
- —
- Days on market
Price History
- Listed · October 2026$3,990,000
How You Can Pay
This residence is not attached to a building page in our directory.
Living in Ocean Reef Islands
San Francisco, Panamá
4-bedroom apartment for sale in Ocean Reef
Ocean Reef Islands, Panamá
Positions are schematic, spaced by travel distance.
Get directionsOcean Reef Islands on Casanova today
- Active sale listings
- 37
- Active rentals
- 0
- Median asking price per m²
- $6,569
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
How many bedrooms and bathrooms does the apartment have?
The apartment has four bedrooms and five bathrooms.
What is the asking price?
The asking price is $3,990,000 USD.
How large is the apartment?
The apartment is listed at 1,050 m².
Is the apartment furnished?
The apartment is described as furnished and decorated.
Which floor is the apartment on?
The apartment is on the first floor.
Where is the apartment?
It is in Ocean Reef Islands, Punta Pacífica, Panama City.
Which floor is it on?
It is on the first floor.
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Interested in 4-Bedroom Apartment for Sale in Ocean Reef Islands?
Speak to our team — viewings in person or by video, usually within 48 hours.