Living & Dining
good natural light
3-Bedroom Apartment at The Reserve, Santa María
A spacious Santa María home with a lake view
Santa María, Panamá
Active
$740,000
USD$3,190 / m²
- 3Bed
- 3Bath
- 232 m²2,497 ft²
- 2Parking
Overview
At The Reserve in Santa María, this 232 m² apartment pairs generous room to spread out with a lake view and a calm, green residential setting. A broad terrace-style balcony and large windows bring the outdoors into the home, while the quiet, naturally bright atmosphere adds to its sense of privacy. The layout includes three bedrooms, each with a walk-in closet, plus a den, living and dining areas, a closed kitchen with breakfast bar, and a laundry area. Air conditioning, a balcony, and ceramic or marble flooring are among the listed features. The USD 740,000 option includes two parking spaces and no storage unit; the USD 760,000 option adds a third space and a storage unit. The Reserve is indicated with a pool, gym, elevator, controlled entry, security, visitor parking and green areas. Santa María is planned around a golf course, with access to the Corredor Sur and connections toward Costa del Este, Panama City’s Financial Center and Tocumen International Airport. Schools, shops, supermarkets and shopping centers are available in the Costa del Este surroundings. Contact us to explore the available price option and arrange a visit.
In Short
A 232 m², three-bedroom apartment at The Reserve in Santa María, with a den, closed kitchen, breakfast bar, terrace-style balcony and lake view. The USD 740,000 option includes two parking spaces; the USD 760,000 option includes three spaces and a storage unit.
Before You Decide
- Compare the two asking-price options against the parking and storage configuration you need.
- The 232 m² layout includes three bedrooms, a den, closed kitchen, laundry area and terrace-style balcony.
- Ask for the monthly HOA amount and what it covers before estimating ownership costs.
- Confirm building policies and services, including short-term rentals, generator coverage and internet providers.
Included in the sale. The USD 760,000 option includes a third parking space and a storage unit; the USD 740,000 option includes two parking spaces and no storage unit.
Highlights
- 232 m² at The Reserve in Santa María
- Three bedrooms, each with a walk-in closet
- Lake view and a broad terrace-style balcony
- Den, living and dining areas
- Closed kitchen with breakfast bar
- Two parking spaces at USD 740,000; three plus storage at USD 760,000
- Building amenities include a pool, gym, elevator and green areas
- Access to the Corredor Sur and routes toward Costa del Este
At a Glance
- Status
- Available
- Asking price
- From $740,000
- Price per m²
- $3,189.66/m² at the $740,000 option
- Bedrooms
- 3
- Area
- 232 m²
- Lot area
- 232 m²
- Parking
- 2 spaces; 3-space option available
- Storage
- Not included at $740,000; included at $760,000
- View
- Lake
- Property type
- Apartment
- Building
- The Reserve
- Neighborhood
- Santa María
- City
- Panamá
- Listing ID
- CNV-PROP-044276
Key Facts
- Category
- Residential
- Unit type
- Apartment Condo
- Natural light
- Good
- Noise exposure
- Quiet
- Listed
- 4 October 2026
- Last updated
- 4 October 2026
Gallery
20 photographs of this residence.
Room by Room
Composed from this unit's own specification, not a template.
The Kitchen
Closed layout
Bathrooms
3 bathrooms
What's Included
Everything that stays with the residence.
- Walk in closets
- Ceramic or marble flooring
- Large windows
- Breakfast bar
- 2 parking spaces
- The USD 760,000 option includes a third parking space and a storage unit; the USD 740,000 option includes two parking spaces and no storage unit.
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
- 3
- Full baths
- 3
- Den / office
- Yes
- Laundry room
- Yes
- Kitchen
- Closed
- Total
- 232 m² · 2,497 ft²
Parking & Storage
- Spaces
- 2
- Covered
- No
Interior
- Walk in closets
- Ceramic or marble flooring
- Large windows
- Breakfast bar
Outdoor
- Balcony
- Terrace
Accessibility
- Elevator access
- Accessibility features indicated
Costs & Financing
Everything you would actually pay, not just the asking price.
Purchase Summary
- Asking price
- $740,000
- Price per m²
- $3,190 / m²
- Cash to close (est.)
- $222,000at 30% down
Mortgage Estimate
- Down payment
- 30% · $222,000
- Loan amount
- $518,000
- Rate (assumed)
- 6.25%
- Term
- 30 years
Estimated monthly payment
$3,189
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 USD 740,000 option includes two parking spaces and no storage; the USD 760,000 option adds one parking space and a storage unit.
- The source area is 232 m², and the canonical price works out to approximately USD 3,189.66 per m².
Value Comparison
Asking price per m², against the building, the sector and the country.
Apartment$3,190 / m²
The Reserve average$3,263 / m²
Santa María average$3,682 / m²
Panama average$4,306 / m²
Asking 13% below the Santa María average. Ask us why; sometimes there is a good reason and sometimes there is a reason.
Investment Case
- —
- Gross yield
- —
- Net yield (est.)
- —
- 5-yr area growth
- —
- Days on market
Price History
- Listed · October 2026$740,000
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
- 3.5 Baths
- 260 m²
$760,000
$2,923 / m²
3-Bedroom Apartment at The Reserve, Santa María
The ReserveSanta María
- 3 Beds
- 3 Baths
- 233 m²
$760,000
$3,263 / 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
What is the asking price for the apartment at The Reserve?
The option with two parking spaces and no storage unit is USD 740,000. An option with three parking spaces and a storage unit is USD 760,000.
How large is the apartment?
The apartment is 232 m².
How many bedrooms does the apartment have?
The apartment has three bedrooms, each with a walk-in closet.
Are pets allowed in the apartment?
Pets are allowed in this apartment.
What building amenities are indicated at The Reserve?
The Reserve is indicated with a pool, gym, elevator, controlled entry, security, visitor parking and green areas.
Does the apartment have a lake view?
Yes. The apartment is described with a lake view.
Similar Properties
Same market, comparable size and price.
3-Bedroom Apartment at The Reserve, Santa María
The ReserveSanta María
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3-Bedroom Apartment at The Reserve, Santa María
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Three-bedroom apartment at PH The Reserve, Santa María
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Furnished 2-Bedroom Apartment at The Reserve
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- 2 Beds
- 2 Baths
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Furnished$595,000
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4-Bedroom Apartment at The Reserve, Santa María
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Interested in The Reserve?
Speak to our team — viewings in person or by video, usually within 48 hours.