3-Bedroom Apartment at PH Terramar, Torre 3000
PH Terramar, Torre 3000San Francisco
- 3 Beds
- 2 Baths
- 142 m²
$315,000
$2,218 / m²
Two-level mixed-use house in San Francisco
A flexible live-work opportunity on Vía Santa Elena
San Francisco, Panamá
Active
$310,000
USD$1,292 / m²Negotiable
- 3Bed
- 3Bath
- 240 m²2,583 ft²
- 240 m²Lot
Overview
Bring your business and home under one roof in this two-level property on Vía Santa Elena, San Francisco. Its ground-floor commercial space and upper-floor residence create a practical setup for an owner-operator, professional practice, showroom, workshop, or retail business. The asking price is $310,000 and is negotiable. The ground floor has independent access, covered parking behind a steel security gate, a private office, a spacious work area or workshop, a storage room, and one full bathroom. Upstairs, the residential area offers a spacious living and dining room, a kitchen with MDF cabinets and resin/Formica countertops, three bedrooms with closets, and two full bathrooms. A covered laundry area adds everyday convenience. The property is described as being in excellent condition. Vía Santa Elena connects with Chanis, Costa del Este, Vía Porras, Vía España, and other major city routes. The combination of separate commercial and residential areas makes it possible to operate a business while living on site, or adapt the spaces to a range of professional and commercial uses. Arrange a visit to explore the layout and its potential.
In Short
This San Francisco property has commercial space downstairs and a residence upstairs. The ground floor includes independent access, covered parking, a private office, a work area or workshop, a storage room, and one full bathroom. The upper floor has 3 bedrooms, 2 full bathrooms, a living and dining room, a kitchen, and covered laundry.
Before You Decide
- The two-level layout separates commercial space from the upper-floor residence.
- The ground-floor work area, office, storage room, independent access, and covered parking support a range of business setups.
- Confirm the property measurements because the structured area and the descriptive construction figure differ.
- Verify zoning, permitted commercial activity, title, and parking capacity before purchase.
Highlights
- Two-level commercial and residential layout
- Three bedrooms with closets
- Three full bathrooms in total
- Ground-floor commercial space with independent access
- Private office, work area or workshop, and storage room
- Covered parking with a steel security gate
- MDF kitchen cabinets and resin/Formica countertops
- Negotiable asking price of $310,000
At a Glance
- Status
- Available
- Asking price
- $310,000 negotiable
- Price per m²
- $1,291.67/m²
- Bedrooms
- 3
- Full bathrooms
- 3
- Reported area
- 240 m²
- Land area
- 240 m²
- Approx. construction area
- Approx. 400 m²
- Levels
- 2
- Parking
- Covered; space count not established
- Storage
- Storage room
- Furnished
- Not established
- HOA / maintenance
- Not established
- Property type
- Mixed-use house
- Building
- Standalone house; no building name identified
- Neighborhood
- Vía Santa Elena, San Francisco
- City
- Panama City
- Listing ID
- CNV-PROP-015020
Key Facts
- Category
- Mixed Use
- Unit type
- House Villa
- Condition
- Excellent
- Listed
- 3 October 2026
- Last updated
- 3 October 2026
Gallery
15 photographs of this residence.
What's Included
Everything that stays with the residence.
- Private office
- Work area or workshop
- Storage room
- Living and dining room
- Kitchen with MDF cabinets
- Resin/Formica countertops
- Bedroom closets
- Covered laundry area
Explore House
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
- 3
- Full baths
- 3
- Den / office
- Yes
- Laundry room
- Yes
- Total
- 240 m² · 2,583 ft²
Parking & Storage
- Covered
- Yes
Interior
- Private office
- Work area or workshop
- Storage room
- Living and dining room
- Kitchen with MDF cabinets
- Resin/Formica countertops
- Bedroom closets
- Covered laundry area
Costs & Financing
Everything you would actually pay, not just the asking price.
Purchase Summary
- Asking price
- $310,000
- Price per m²
- $1,292 / m²
- Cash to close (est.)
- $93,000at 30% down
Mortgage Estimate
- Down payment
- 30% · $93,000
- Loan amount
- $217,000
- Rate (assumed)
- 6.25%
- Term
- 30 years
Estimated monthly payment
$1,336
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 combines a ground-floor commercial area and an upper-floor residence in one house.
- The advertised configuration includes 3 bedrooms, 3 full bathrooms, a private office, a workshop or work area, and covered parking.
Value Comparison
Asking price per m², against the building, the sector and the country.
House$1,292 / m²
San Francisco average$3,573 / m²
Panama average$4,306 / m²
Asking 64% below the San Francisco average. Ask us why; sometimes there is a good reason and sometimes there is a reason.
Investment Case
The negotiable asking price is $310,000. No rental income, operating expenses, or yield figures are established.
- —
- Gross yield
- —
- Net yield (est.)
- —
- 5-yr area growth
- —
- Days on market
Price History
- Listed · October 2026$310,000
How You Can Pay
This residence is not attached to a building page in our directory.
Living in San Francisco
San Francisco, Panamá
Mixed-use house for sale in San Francisco
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 · —
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 $310,000, and it is negotiable.
How many bedrooms and bathrooms does the house have?
The house has 3 bedrooms and 3 full bathrooms.
How is the property arranged?
The two-level property has commercial space on the ground floor and residential space on the upper floor.
What parking is available?
Covered parking is described with a steel security gate; the number of spaces is not established.
Is the property suitable for business and residential use?
It has commercial space on the ground floor and a residence on the upper floor. Confirm permitted uses and licensing requirements for a specific business.
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Interested in Two-level mixed-use house in San Francisco?
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