Risco 1 is a rare front-row oceanfront villa within the gated Punta Esmeralda community in La Cruz de Huanacaxtle. This single-level residence offers approximately 6,500 sq ft (605 m) of living space with four bedrooms and four and a half baths. Designed for seamless indoor-outdoor living, the home opens to an expansive private pool terrace directly overlooking the crystal-clear waters of the northern Banderas Bay, where mornings begin with ocean breezes and gentle surf. Generous living and dining areas, well-proportioned bedrooms, and a thoughtful layout provide comfort and privacy throughout. Punta Esmeralda is perfect for multigenerational enjoyment with resort-style amenities including multiple pools, beachfront restaurant, spa, fitness center, tennis courts, and 24-hour security.
Listing courtesy of Nativa Real Estate · Abigail Fernandez. Data from Vallarta-Nayarit MLS.
Approximate drive times from this property.
The lifestyle around this property.
How buyers — including foreigners — finance and own real estate in Mexico. Figures are typical ranges; your HOMIA advisor confirms your exact case.
NEW / pre-construction developments often offer direct plans (down payment + monthly during construction). Resales are usually cash or mortgage. Ask us whether this property qualifies.
U.S. and Canadian buyers can finance through cross-border lenders: typically 30–50% down and 15–25 year terms.
Most buyers pay cash. It's also possible to use self-directed retirement accounts (SDIRA) to invest in Mexican real estate.
Foreigners buy in the coastal zone through a bank trust with full ownership rights (sell, rent, inherit). Approx. $500–800 USD/year.
Closing costs run about 5–8% of the price (acquisition tax, notary, registry and trust setup).
Annual property tax in Mexico is a fraction of the U.S./Canada — often just a few hundred dollars per year.
Well-located condos typically generate 8–12% annually in vacation rentals (Airbnb/VRBO) depending on area and season.
Estimate for a cross-border mortgage (U.S./Canada buyers). Adjust the numbers — it's an estimate, not an offer.
