3-bedroom apartment at PH Embassy Club Courtyard 3, Clayton
PH Embassy Club — Courtyard 3, Clayton, Ancón · Clayton
3beds
2.5baths
2parking
171 m²Interior area
2009Year built
$403/monthMaintenance fee
$2,106Price per m²
Description
A 170.98 m² apartment on a high floor of PH Embassy Club — Courtyard 3, Clayton, built in 2009, with 3 bedrooms (the primary with an ensuite bathroom, walk-in closet and terrace), 2 full bathrooms plus a guest half bathroom, a maid's room and bathroom, an open kitchen with granite counters, and parking for 2 vehicles plus a storage unit. Embassy Club's shared amenities include a 24-hour guardhouse, three pools, a gym, tennis courts, a playground and a clubhouse. The advertiser lists a maintenance fee of USD 403 per month and an improvements-tax exemption through April 2029, which has not been independently verified. Details and photographs are reproduced from Global Inmuebles' listing on Compreoalquile, verified on the date shown; confirm availability, the tax-exemption claim and terms before you travel to see it.
Amenities
24/7 security
Swimming pool
Maid's quarters
Pet friendly
Laundry room
Gym
BBQ area
Balcony
Walk-in closet
Terrace
Social area
Property details
Property type
Apartment
Status
Available
Reference
PA-150795870
Listing courtesy of
Global Inmuebles
Days on market
0
Availability verified
September 16, 2026
Last updated
September 16, 2026
Comparable price estimate
A research benchmark for this home's size, using similar properties in the building or area.
Asking-price benchmark
$369,850
Observed comparable range: $344,538 – $382,613
3 comparables · Same area · Median price/m² × this home's area. Range is sample spread, not a confidence interval.
See the evidence
Embassy Club$320,000 · 143 m²
2026-10-31 · 2 beds
Clayton Park$305,000 · 141 m²
2026-10-21 · 3 beds
PH Clayton Park II$401,000 · 199 m²
2026-09-16 · 3 beds
Advertised prices are not completed sales or an appraisal. Condition, views, floor, seller terms and legal issues can change value. Bank guide prices may differ from the price an offer will achieve.
Home values in Clayton
Median asking price per m² of homes for sale in the area, from our monthly reading.
Apartments
$2,106 /m²
6 asking prices in 5 buildings · October 2026
At the median, a home of 171 m² would ask $360,084.
This home asks $2,106/m², in line with the median.
Panama Property Guide's own reading of homes listed for sale, with each building counted once so one tower cannot set the figure. Asking prices are not sale prices, and the median says nothing about a particular home's condition, view or floor.
Property tax applies Law 66 of 2017 brackets to the price. A main home registered with the DGI is exempt to $120,000, then pays 0.5% to $700,000 and 0.7% above; other properties are exempt to $30,000, then pay 0.6% to $250,000, 0.8% to $500,000 and 1% above. The tax is charged on the registered value, and newer buildings may be exempt. Insurance assumes life cover of $0.50 per $1,000 of loan a month (Banistmo publishes $0.21 to $1.00 by age) and fire cover at Banistmo's $0.15 to $0.19 per $1,000 of value, with ITBMS. Bank handling is $8.56 a month, as Banco General and Banco Nacional charge. Closing costs assume 3% of the price; buyers typically pay 2% to 5% in cash purchases and 3% to 7% with a mortgage. Replace any figure with Edit payment.
*30-year average of published bank rates: 7.83% with FECI / 7.50% rate. Source: Banco General, Banistmo and Banco Nacional tariffs, checked September 13, 2026. Not a live feed, an offer or a pre-approval.
30-year average:
7.83%
With FECI
7.50%
Rate
Averages of published starting rates, for information only. .
These are starting rates from each bank's published tariff, not offers. Panama Property Guide has no partnership with these banks and is not paid to show them. Your rate, term and financing depend on the property, your income, residency and the bank's appraisal. Get your quote sends your scenario to this home's agent, who can help you contact the bank.
Rates checked by Panama Property Guide from each bank's published terms on September 13, 2026.
Property taxes
Estimated yearly tax at the asking price. The rate depends on how the home is registered.
As your main home
$1,200 a year
As a second home or rental
$2,200 a year
Ley 66 de 2017 brackets, applied progressively. Main home registered as Vivienda Principal or Patrimonio Familiar Tributario: 0% to $120,000, 0.5% to $700,000, 0.7% above. Any other property: 0% to $30,000, 0.6% to $250,000, 0.8% to $500,000, 1% above. The tax is charged on the registered cadastral value of land and building, which usually differs from the asking price, and some buildings keep construction exemptions under earlier laws. Ley 66 de 2017
Price history
TrueTrend
How asking prices per m² have moved in Panama City since 2017, with a monthly reading from listings in many parts of the city.
Panama City (RIAL)
Panama City (monthly)
October 2026
Panama City (RIAL)
—
Panama City (monthly)
$1,984/m²
This property's asking price$2,106/m²
Panama City: median asking price per m² of 1 and 2 bedroom apartments of 20 to 100 m², priced $10,000 to $300,000, in Obarrio, Marbella and San Francisco, from the RIAL report by Universidad Torcuato Di Tella for the last week of each March and September. Panama City (monthly): Panama Property Guide's own analysis of asking prices per m² in property listings from many parts of the city, one median per month. Each point is the median of that month's reading and the previous 2 readings. Asking prices are not sale prices. RIAL reports
Panama Property Score
A score out of 10 from our proprietary algorithm. It weighs this property's price against its area, its potential to gain value and its neighborhood.
6.8
out of 10
Good
Price & opportunity · 40%
7.9 / 10
Appreciation potential · 30%
4.6 / 10
Neighborhood · 30%
7.3 / 10
PoorFairGoodVery goodExcellent
Investment observations
$2,106/m², 1% below the median for similar-size homes in Clayton ($2,134/m²)
Asking prices for similar-size homes in Clayton are 11% above Panama City as a whole ($1,928/m²)
Price & opportunity (40%): is the price per m² cheap or expensive next to properties of the same type and a similar size for sale in the same area? A price in line with the area scores about 7.5, and the further below the area it is, the closer it gets to 10. Expected rental income also counts when we know local rents, and a recent price cut or qualifying for Panama's lower mortgage rate on a first new home adds a little.
Appreciation potential (30%): signs the area could gain value, such as a Metro or rail line being built nearby, new construction around it, a good neighborhood still priced below the rest of the district, or a newer building.
Neighborhood (30%): how many shops, restaurants, bus and Metro stops, parks and schools are within walking distance.
Scores run from 3 to 10: under 5.5 is poor, 5.5 to 6.4 fair, 6.5 to 7.4 good, 7.5 to 8.4 very good, and 8.5 or more excellent. They only appear when we have price data plus at least one other part. A missing Metro line or building site nearby is left out rather than counted against the property. It is a research tool, not an appraisal, a forecast or investment advice.
Rent and returns
Estimated from comparable homes for rent, if you bought this home with no mortgage and rented it out furnished.
Estimated rent
$3,200/month
Gross yield
10.7%
Net yield
7.8%
$28,177 a year after costs
Rent: what 6 comparable homes for rent in the same building ask, matched on bedrooms and size and seen up to October 27, 2026, assuming the home is let furnished, with one vacant month a year, less the PH fee and property tax at second-home rates. Asking prices are not sale prices. An estimate, not a promise of returns.
