3 Bedroom House for sale in Esperanza, Cebu, San Francisco, Cebu
Cebu, Philippines
Guide Price
$300,885
17,000,000 PHP
PROPERTY TYPE
house
BEDROOMS
3
BATHROOMS
3
Description
We are selling a 3-bedroom cliff house with a
floor area of 226.5 sqm, situated on a 2,879 sqm lot. The property
features 25 meters of ocean frontage with a 3.4-meter cliff depth at low tide, offering panoramic ocean views and breathtaking sunsets every day.
The house has an open layout and has been used only occasionally by the owners for vacation, so most of the interiors are well-maintained and almost new. It comes partially furnished, including the couch, dining table, beds, and mattresses — allowing the buyer to move in right away. Only personal belongings will be excluded from the sale.
Located in a quiet but convenient neighborhood, the property is close to schools, stores, resorts, and the local church — perfect for both everyday living and vacation getaways.
Key
Features:
• 3 Air-Conditioned Bedrooms
• Open Layout – Bright and functional design
•
Floor Area: 226.5 sqm
• Lot Area: 2,879 sqm
• 26 meters Ocean Frontage – Wide cliffside view
• Cliff Depth: 3.4 meters at low tide
• Spacious Terrace – Ideal for relaxing or entertaining (minor roof repair and tiling needed)
• Fruit Trees: Bengal currant, Java plum, Spanish plum and Calamansi orange
• Wide Garden with mature trees for shade and privacy
• Partially Furnished – Includes essential furniture, ready for move-in
Investment Potential:
• Space to build an infinity pool
• Room to add guest rooms or rental units
• Perfect as a vacation retreat or income-generating property
This property combines the beauty of island living with move-in convenience and strong investment potential — a rare find in this sought-after area. Telephone number: View Phone
Location
Open in Google MapsLiving in Cebu
Island-hopping on weekends, karaoke as a national religion, and a Filipino hospitality so genuine that you will be adopted by your neighbor's entire extended family before your first month is over.
Visa
SRRV (Special Resident Retiree Visa) — available from age 40+. Requires $15,000-50,000 deposit depending on age and pension status. Grants indefinite stay with multiple-entry privileges. SIRV (Special Investor Resident Visa) — requires $75,000 investment in Philippine securities. No age minimum. Both offer permanent residency.
Learn more: The Complete Guide to Moving to the Philippines→Key Fact
English is an official language and widely spoken — making the Philippines the easiest Asian country for American expats to navigate daily life. Private healthcare is excellent and affordable, but infrastructure outside Manila can be underdeveloped.
Learn more: The Cheapest Cities to Live Abroad→Philippines at a glance
How Philippines scores for American expats
Cost of buying in Philippines
Estimated fees and ongoing costs for this property
Closing Costs
5-8% of purchase price
- ·Transfer tax: 0.5-0.75%
- ·Documentary stamp: 1.5%
- ·Capital gains tax: 6% (seller, but often negotiated)
- ·Registration: ~0.25%
- ·Notary: ~0.5%
Annual Costs
Property Tax
1-2% of assessed value (varies by city)
Insurance
₱5,000-15,000/yr
HOA / Condo Fees
₱3,000-10,000/mo for condos
Good to Know
Agent Fees
Seller pays (3-5%)
Foreign Buyer Note
Foreigners CANNOT own land. Can own condo units (max 40% foreign quota per building). Houses possible via long-term lease or Filipino spouse.
Legal help in Philippines
Hire your own attorney — not the seller's. We'll match you with a vetted local lawyer.
Need a local attorney in Philippines?
We'll connect you with an independent, English-speaking real estate attorney experienced with foreign buyers. Not the seller's lawyer — yours.
Contact Agent
Inmar Advertising & Marketing
Next steps for moving to Philippines
Interested in this property? Here's how to move forward.
Understand the buying rules
Foreign ownership laws vary wildly by country. Some welcome you, others restrict or ban foreign buyers entirely.
Sort out your visa
Owning property doesn't give you the right to live there. Research residency options before you buy.
Plan your finances
Understand currency risk, international wire transfers, and whether you can get a local mortgage.
Know your tax obligations
US citizens are taxed on worldwide income. You'll need to file US taxes from abroad and may owe local taxes too.
Set up healthcare
Medicare doesn't cover you overseas. You'll need international health insurance or a local plan.
Run the full checklist
Banking, mail forwarding, power of attorney, pet import rules — the complete pre-move checklist.
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