Listed by Panama Property Guide
New
New
$655,000
- 3beds
- 3.5baths
- 280 m²
Listed by David Aguirre · Panama Property Guide
1/20
Townhouse for sale
$630,000
3-bedroom townhouse at Embassy Club, Clayton
PH Embassy Club, Townhouse TH-10, PH Embassy Club, Clayton · Clayton
- 3 beds
- 3.5 baths
- 2 parking
- 250 m² Interior area
- 216 m² Lot area
- 2011 Year built
- $500/month Maintenance fee
- $2,525 Price per m²
Description
A two-level townhouse in PH Embassy Club, the gated Clayton community with a clubhouse, a pool, a gym and tennis courts. It is sold with a tenant. The listing reports rent of $3,100 a month under a lease renewable to July 2031, about 5.9% a year gross on the asking price before maintenance of $500 a month. The unit has 249.52 m² of closed area plus 60.21 m² of terraces and balconies, three bedrooms, three and a half bathrooms, maid's quarters and a two-car garage. It was built in 2011. Listed on the PREA MLS by Yasbely R. Barsallo Anderson; details as of 29 April 2026.
Property details
- Property type
- Townhouse
- Status
- Available
- Reference
- MLS-00005F26
- Listing courtesy of
- Yasbely R. Barsallo Anderson
- Days on market
- 200
- Availability verified
- October 20, 2026
- Last updated
- April 29, 2026
Comparable price estimate
A research benchmark for this home's size, using similar properties in the building or area.
More comparable evidence needed
At least three recent, distinct comparables on the same price basis are required. Research added through the CRM updates this estimate automatically.
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.
Monthly cost
TrueCost of this property
Second home or investment
$4,611
/month
List price
$630,000
$126,000 (20%) down
30-year loan at 7.50%
- Principal & interest
- $3,524
- Property tax
- $213est.
- Life & fire insurance
- $366est.
- PH fee
- $500
- Bank handling
- $9est.
Total due at close$144,900
Down payment$126,000
Closing costs (est. 3% of price)$18,900
Legal, notary, Public Registry, appraisal and bank closing charges. Paid once, separate from the monthly cost.
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. .
- Location
- Clayton
- Purchase price
- $630,000
- Down payment (20%)
- $126,000
- Get your quote
- Get your quote
Rate
8.00%
starting rate
Payment
$3,698
/mo
Compare banks based on your situation
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.
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.
The score appears once there are enough current prices for this area and neighborhood data for the location.
How the score works
Price & opportunity (40%): is the price per m² cheap or expensive next to similar properties 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, and 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.
Building safety & resilience
Evidence about the building and its surroundings, separate from the investment rank.
Building evidence is not available yet
Ask the agent for structural reports, fire and gas inspection records, flood and drainage history, and details of water storage and backup power.
Ask about building safetyLocal resources: SINAPROC · Bomberos de Panamá
Location
Approximate location shown for privacy
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