The Kitchen
2 appliances included
Furnished apartment at P.H. Garden, Ocean Reef Islands
Private island living with marble finishes and a private terrace
Ocean Reef Islands, Panamá
Active
$2,300,000
USD$4,675 / m²
- 4Bed
- 3.5Bath
- 492 m²5,296 ft²
- 3Parking
Overview
Set within Ocean Reef Islands, this furnished 492 m² apartment brings together a private-island setting, polished marble finishes and a private terrace. Living-room windows frame ocean views, while dimmable lighting and central air conditioning create a comfortable atmosphere. A Jacuzzi adds another distinctive feature to this spacious residence. The home includes a den, maid’s quarters, a laundry room and three parking spaces. The kitchen and laundry are equipped with appliances, and the sleeping rooms have three en-suite bathrooms alongside a guest bathroom, for 3.5 bathrooms in total. Marble floors and quality finishes carry a refined look throughout. Ocean Reef Islands offers infinity pools and two pools, a 200-slip marina and yacht club, parks, sports facilities, tennis courts and a fitness center. Residents also have access to a gourmet restaurant, 24-hour security, a bar and lounge, a multipurpose hall, a social area, a private dock, watersports, a sand dock and a heliport. The island community is described as about 10 minutes by car from downtown Panama City and about five minutes from malls and health centers. Explore the Ocean Reef lifestyle and arrange a visit to this P.H. Garden residence.
In Short
The apartment at P.H. Garden in Ocean Reef Islands is offered for sale at $2,300,000. It has 492 m², 3.5 bathrooms, three parking spaces, a den, maid’s quarters, a laundry room, marble floors, central air conditioning, a private terrace and a Jacuzzi.
Before You Decide
- Confirm the bedroom count: the source gives both three and four.
- Confirm whether the apartment is available for sale only or also for rent; the source includes a $12,000 rent label without a stated rental period.
- Request the HOA amount and details of what the fee covers.
- Verify parking allocation, storage terms, pet rules and short-term rental policies.
Included in the sale. Furnished residence with kitchen and laundry appliances; specific appliance inventory and inclusion terms are not detailed.
Highlights
- 492 m² furnished apartment in Ocean Reef Islands
- Ocean views from the living-room windows
- Private terrace and Jacuzzi
- Marble floors, quality finishes and dimmable lighting
- Den, maid’s quarters and laundry room
- Three parking spaces and 3.5 bathrooms
- Equipped kitchen and laundry appliances
- Island amenities include pools, marina, tennis courts and 24-hour security
At a Glance
- Status
- Available
- Asking price
- $2,300,000
- Price per m2
- $4,674.80
- Bathrooms
- 3.5 bathrooms
- Area
- 492 m²
- Parking
- 3 spaces
- Furnished
- Yes
- Property type
- Apartment
- Building
- P.H. Garden
- Community
- Ocean Reef Islands
- Neighborhood
- Ocean Reef Islands
- City
- Panama City
- Listing ID
- CNV-PROP-010196
Key Facts
- Category
- Residential
- Unit type
- Apartment Condo
- Furnishing
- Fully Furnished Turnkey
- Listed
- 27 October 2020
- Last updated
- 4 October 2026
Gallery
20 photographs of this residence.
Room by Room
Composed from this unit's own specification, not a template.
Bathrooms
3.5 bathrooms
What's Included
Everything that stays with the residence.
- Kitchen appliances
- Laundry appliances
- Marble Floors
- Dimmable lighting
- Quality finishes
- 3 parking spaces
- Furnished residence with kitchen and laundry appliances; specific appliance inventory and inclusion terms are not detailed.
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
- 3
- Half baths
- 1
- Den / office
- Yes
- Maid's room
- Yes
- Laundry room
- Yes
- Total
- 492 m² · 5,296 ft²
Systems & Comfort
- Air conditioning
- Central
- Views
- Ocean
Parking & Storage
- Spaces
- 3
- Covered
- No
Interior
- Marble Floors
- Dimmable lighting
- Quality finishes
Appliances included
- Kitchen appliances
- Laundry appliances
Outdoor
- Private terrace
Costs & Financing
Everything you would actually pay, not just the asking price.
Purchase Summary
- Asking price
- $2,300,000
- Price per m²
- $4,675 / m²
- Cash to close (est.)
- $690,000at 30% down
Mortgage Estimate
- Down payment
- 30% · $690,000
- Loan amount
- $1,610,000
- Rate (assumed)
- 6.25%
- Term
- 30 years
Estimated monthly payment
$9,913
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 calculated asking price is approximately $4,674.80 per m², based on $2,300,000 divided by 492 m².
- The apartment has three parking spaces, a den, maid’s quarters and a laundry room.
- Ocean Reef Islands lists a marina and yacht club, pools, tennis courts, parks and 24-hour security.
Value Comparison
Asking price per m², against the building, the sector and the country.
Apartment$4,675 / m²
Ocean Reef Islands average$6,297 / m²
Panama average$4,306 / m²
Asking 26% below the Ocean Reef Islands average. Ask us why; sometimes there is a good reason and sometimes there is a reason.
Investment Case
The asking price is approximately $4,674.80 per m2, calculated from $2,300,000 and 492 m2. Rental income, operating expenses, and comparable sales are not available for a yield estimate.
- —
- Gross yield
- —
- Net yield (est.)
- —
- 5-yr area growth
- —
- Days on market
Price History
- Listed · October 2020$2,300,000
How You Can Pay
This residence is not attached to a building page in our directory.
Living in Ocean Reef Islands
San Francisco, Panamá
P.H. Garden
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
What is the asking price?
The asking price is $2,300,000 USD.
How large is the apartment?
The apartment is listed at 492 m².
How many bathrooms does the apartment have?
The apartment has 3.5 bathrooms.
How many parking spaces are included?
The property is listed with three parking spaces.
What amenities are available at Ocean Reef Islands?
Ocean Reef Islands lists infinity pools, a marina and yacht club, parks, sports facilities, tennis courts, a fitness center, a gourmet restaurant, 24-hour security, a bar and lounge, a multipurpose hall, a social area, a private dock, watersports, a sand dock and a heliport.
Is the apartment furnished, and which appliances are included?
The apartment is described as furnished, with equipped kitchen and laundry areas. A specific furniture and appliance inventory is not provided.
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Interested in Furnished apartment at P.H. Garden, Ocean Reef Islands?
Speak to our team — viewings in person or by video, usually within 48 hours.