495 m² apartment at Lumina, Santa María
A private, lake-side residence in boutique Lumina
Santa María, Panamá
Active
$2,050,000
USD$4,141 / m²
- 4Bed
- 4Bath
- 495 m²5,328 ft²
- 4Parking
Overview
Lumina brings an intimate scale to Lake View, Santa María: this 495 m² residence sits in a boutique tower planned for just 14 families, with only two apartments per floor. Its generous four-suite layout and panoramic terrace create a distinctive setting for relaxed family living, with lake views and room to host comfortably. A private foyer opens directly from the elevator. Inside, floor-to-ceiling windows bring in natural light, while the modern Italian kitchen pairs high-end finishes with a central island. The home also includes closets in the bedroom suites, a guest bathroom, and a maid’s room and bathroom with independent access. Four private parking spaces and one private storage unit add practical convenience. Lumina’s shared amenities include a pool with solarium, a gym, an event room and lounge, and covered visitor parking. Double-gate access and 24/7 surveillance support a secure residential setting, alongside a full-building generator and water reserve tank. Lake View is set beside green areas and walking paths, with Santa María’s golf course just steps away. Contact the team to arrange a private presentation of this Santa María apartment for sale.
In Short
The apartment at Lumina in Santa María has a stated area of 495 m², four bedrooms and an asking price of USD 2,050,000. The tower has 14 residences, two apartments per floor, a pool with solarium, gym, event room and lounge, full-building generator and water reserve tank.
Before You Decide
- The residence offers a stated 495 m² of area, four bedrooms, a panoramic terrace and four private parking spaces.
- The boutique building is described with 14 residences and two apartments per floor.
- Lumina's stated amenities include a pool with solarium, gym, event room and lounge.
- Confirm the bathroom total, the applicable apartment model and the monthly HOA before making a purchase decision.
Included in the sale. One private storage unit.
Highlights
- 495 m² residence in boutique Lumina
- Four private bedroom suites with closets
- Panoramic terrace and lake outlook
- Private foyer directly from the elevator
- Modern Italian kitchen with central island and high-end finishes
- Four private parking spaces and one storage unit
- Pool with solarium, gym, event room and lounge
- Full-building generator, water reserve tank and 24/7 surveillance
At a Glance
- Status
- Available
- Asking price
- $2,050,000
- Price per m²
- $4,141.41/m²
- Bedrooms
- 4 bedrooms
- Total area
- 495 m²
- Parking
- 4 private spaces
- Storage
- 1 private storage unit
- View
- Lake outlook
- Property type
- Apartment
- Building
- Lumina
- Neighborhood
- Santa María, Lake View
- City
- Panamá
- Listing ID
- CNV-PROP-043673
Key Facts
- Category
- Residential
- Unit type
- Apartment Condo
- Listed
- 4 October 2026
- Last updated
- 4 October 2026
Gallery
7 photographs of this residence.
What's Included
Everything that stays with the residence.
- Private entry foyer directly from the elevator
- Modern Italian kitchen with central island
- High-end kitchen finishes
- Floor-to-ceiling windows
- Closets in the bedroom suites
- Guest bathroom
- Maid's room and bathroom with independent access
- 4 parking spaces
- One private storage unit.
Explore Unit #2-A
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
- Maid's room
- Yes
- Total
- 495 m² · 5,328 ft²
Parking & Storage
- Spaces
- 4
- Covered
- No
Interior
- Private entry foyer directly from the elevator
- Modern Italian kitchen with central island
- High-end kitchen finishes
- Floor-to-ceiling windows
- Closets in the bedroom suites
- Guest bathroom
- Maid's room and bathroom with independent access
Outdoor
- Panoramic terrace
Accessibility
- Private entry foyer directly from the elevator
Costs & Financing
Everything you would actually pay, not just the asking price.
Purchase Summary
- Asking price
- $2,050,000
- Price per m²
- $4,141 / m²
- Cash to close (est.)
- $615,000at 30% down
Mortgage Estimate
- Down payment
- 30% · $615,000
- Loan amount
- $1,435,000
- Rate (assumed)
- 6.25%
- Term
- 30 years
Estimated monthly payment
$8,836
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
- Lumina has 14 stated residences, a smaller building scale than a high-rise with many units.
- The stated price equates to approximately USD 4,141.41 per m² using the 495 m² area.
- No HOA amount, rental estimate or comparable-sale data is available for a financial comparison.
Value Comparison
Asking price per m², against the building, the sector and the country.
Unit #2-A$4,141 / m²
Santa María average$3,682 / m²
Panama average$4,306 / m²
Asking 12% above the Santa María average — worth understanding what justifies it before you offer.
Investment Case
Rental, operating-cost, and yield figures are not available.
- —
- Gross yield
- —
- Net yield (est.)
- —
- 5-yr area growth
- —
- Days on market
Price History
- Listed · October 2026$2,050,000
How You Can Pay
This residence is not attached to a building page in our directory.
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 parking spaces and storage units come with the apartment?
The residence is described with four private parking spaces and one private storage unit.
What amenities does Lumina offer?
Lumina offers a pool with solarium, a gym, an event room and lounge, covered visitor parking, double-gate access, 24/7 surveillance, a full-building generator and a water reserve tank.
Are pets allowed at Lumina?
Please confirm the building's pet policy before making plans.
What is the monthly HOA fee and what does it cover?
Please request the current HOA amount and its inclusions.
Does the building allow short-term rentals?
Please confirm Lumina's rental rules with the building administration.
Does Lumina have backup power and a water reserve?
Yes. The building is described with a full-building generator and a water reserve tank.
How many elevators does Lumina have, and what floor is the apartment on?
The elevator count and apartment floor are not confirmed. The apartment has a private entry foyer directly from the elevator.
How many bathrooms does the apartment have?
The total needs confirmation: the property facts give four bathrooms, while the described layout also mentions ensuite bathrooms for four suites and a separate guest bathroom.
What is the asking price?
The asking price is USD 2,050,000.
What is included with the apartment?
The residence is described with four private parking spaces, one private storage unit, a panoramic terrace, a guest bathroom and a maid's room and bathroom with independent access.
Similar Properties
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Interested in 495 m² apartment at Lumina, Santa María?
Speak to our team — viewings in person or by video, usually within 48 hours.