The Kitchen
1 appliances included
Ground-floor apartment at PH The Reserve Santa María
A ground-floor Santa María home with an 80 m² garden
Santa María, Panamá
Active
$545,000
USD$2,995 / m²
- 182 m²1,959 ft²
- 0Floor
Overview
A private 80 m² garden sets this ground-floor residence at PH The Reserve apart. With 182 m² of construction area and a separate terrace, it offers a distinctive blend of generous interior scale and private outdoor space in Santa María, within the setting identified with Santa María Country Club & Golf. The layout includes living and dining areas, a guest bathroom, a fully equipped kitchen, a laundry room, and a service room with its own bathroom. The bedroom suites are ensuite. Central air conditioning is included, along with white goods, blinds, and light fixtures; the individual appliances included are not itemized. PH The Reserve is located in Santa María, a neighborhood associated with the Santa María Country Club & Golf setting. This home combines ground-floor access, a substantial garden, a terrace, and dedicated service quarters in one residence. Contact Casanova Realty to arrange a viewing and learn more about the apartment.
In Short
A ground-floor apartment at PH The Reserve in Santa María with 182 m² of construction area, an 80 m² garden, a terrace, living and dining areas, a fully equipped kitchen, laundry, ensuite bedroom accommodation, a guest bathroom, and a service room with bathroom.
Before You Decide
- The 80 m² garden and ground-floor position distinguish this apartment from upper-floor units.
- Confirm the current asking price and bedroom count before comparing the apartment with other homes.
- Request the parking details, HOA amount, building rules, and appliance inventory.
Included in the sale. Central air conditioning, white goods (specific appliances not itemized), blinds, and light fixtures.
Highlights
- 182 m² of construction area
- 80 m² garden
- Ground-floor apartment at PH The Reserve
- Separate terrace
- Ensuite bedroom suites
- Guest bathroom and service room with its own bathroom
- Fully equipped kitchen and laundry room
- Central air conditioning, white goods, blinds, and light fixtures included
At a Glance
- Availability
- Available
- Construction area
- 182 m²
- Garden
- 80 m²
- Floor
- Ground floor
- Property type
- Apartment
- Building
- PH The Reserve
- Neighborhood
- Santa María
- City
- Panama City
- Listing ID
- CNV-PROP-065170
Key Facts
- Category
- Residential
- Unit type
- Apartment Condo
- Listed
- 5 October 2026
- Last updated
- 5 October 2026
Gallery
22 photographs of this residence.
Room by Room
Composed from this unit's own specification, not a template.
Bathrooms
0 bathrooms
What's Included
Everything that stays with the residence.
- White goods (items unspecified)
- Central air conditioning, white goods (specific appliances not itemized), blinds, and light fixtures.
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
- Maid's room
- Yes
- Laundry room
- Yes
- Total
- 182 m² · 1,959 ft²
Systems & Comfort
- Air conditioning
- Central
Parking & Storage
- Covered
- No
Appliances included
- White goods (items unspecified)
Outdoor
- Terrace
- Private garden
Costs & Financing
Everything you would actually pay, not just the asking price.
Purchase Summary
- Asking price
- $545,000
- Price per m²
- $2,995 / m²
- Cash to close (est.)
- $163,500at 30% down
Mortgage Estimate
- Down payment
- 30% · $163,500
- Loan amount
- $381,500
- Rate (assumed)
- 6.25%
- Term
- 30 years
Estimated monthly payment
$2,349
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 stated construction area is 182 m², with a separate 80 m² garden.
- The apartment is on the ground floor and includes a terrace and service room with bathroom.
Value Comparison
Asking price per m², against the building, the sector and the country.
Apartment$2,995 / m²
The Reserve average$3,263 / m²
Santa María average$3,682 / m²
Panama average$4,306 / m²
Asking 19% 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$545,000
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 Baths
- 232 m²
$740,000
$3,190 / 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 outdoor space does this apartment have?
The apartment has a terrace and an 80 m² garden.
Is this apartment on the ground floor?
Yes. The apartment is described as a ground-floor residence.
Does the apartment have air conditioning?
Yes. Central air conditioning is included.
What is included with the sale?
The stated inclusions are central air conditioning, white goods, blinds, and light fixtures. Individual appliances are not itemized.
How large is the apartment and garden?
The apartment has 182 m² of construction area and an 80 m² garden.
Is the apartment on the ground floor?
Yes. It is described as a ground-floor apartment.
Which appliances are included?
White goods are included, but the individual appliances are not itemized.
Similar Properties
Same market, comparable size and price.
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 Baths
- 232 m²
$740,000
$3,190 / 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
Interested in The Reserve?
Speak to our team — viewings in person or by video, usually within 48 hours.