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Bijao complex
Rio Hato | Coclé Province

The Height of

Urban Luxury

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Philippe Raynaud
Philippe Raynaud
Presented At
$899,000
Bedrooms
5
Bathrooms
5
Living
3,165
SQFT
Stories 1
Cinema
Stone Countertops
Air Conditioning
Washer Dryer
Fitness Center / Gym
Bar
Laundry Room
Walk In Closet
Jacuzzi
Gas Stovetop
Terrace
Parking
Garden
Balcony
Pool
Water View
Waterfront
Oceanfront
Gated Community
Privacy
Panoramic / Scenic View
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Bijao complex, Rio Hato, Coclé Province, Panama. , Rio Hato , Coclé Province

BIJAO - OCEANFRONT PENTHOUSE - PRICE REDUCED

Ultra luxurious oceanfront unit in the famous complex of Bijao Golf and Beach Residence.

This custom designed unit is in the new highly sought after Balboa V tower, on the 4th floor with high sweeping views of the Pacific ocean, pristine beaches, Bijao pools and lush landscaping.

This luxurious oceanfront unit has 5 bedrooms and 5.5 bath. The apartment features central AC in the main living area, with 5 AC splits in each of the bedrooms.  Hunter ceiling fans with lights are installed in every room, including 3 on the oceanfront balcony.

The huge living room and dining area have access to the terrace and offer beautiful views to the ocean. With an open concept, you have direct access to an incredible kitchen, confortable with its bar.

The kitchen was designed, customized and installed to maximize cabinet space and the huge Samsung 4 door refrigerator/freezer.  High end appliances are installed including a Bosch Stove Top, Bosch Dishwasher and Smeg Electric Oven.  

Incredibly beautiful 3 ft. x 3 ft. cross cut Mazzari Callacata Porcelain flooring has been installed throughout the entire apartment and outside balcony, unlike any other property in Bijao.

All of the double pane, tinted windows and sliding glass doors are appointed with the finest Hunter Douglas designer blinds and sheers.

Relax on the oceanfront patio in your own, private 2 person Hot Spring jacuzzi.  The patio is also equipped with Toldas roller awnings that can open up or close your patio for privacy.

The apartment is fully furnished with high end furniture throughout.  The master bedroom has a king size 4 poster bed, with chest of drawers and dresser with mirror.  A custom made, sliding barn door with smoked glass, opens to the walk in closet sporting custom shelves for ample storage.

The 2nd guest bedroom also has a king bed, and the 3rd bedroom has a queen bed with chest of drawers.  Top-of-the-line memory foam pillow top mattresses are on each bed.  All of the bedrooms have Carre custom finished storage drawers inside the double door closets with plenty of storage room.

The 4th bedroom is set up with a large desk, full credenza and large wood and glass curio case.

An incredible amount of additional cabinets and shelves have been installed in the pantry area with wet bar.  The laundry room is equipped with jumbo front loading LG washer and dryer, plus additional cabinets for even more storage. 

A large deposito equipped with full storage shelving is included with the apartment, as is one covered parking space and one open air parking space.

This is stunningly beautiful showcase turnkey customized apartment, ready for move in.  An additional fantastic benefit is the 20 year tax exemption, unheard of for a property of this value.

Bijao Beach Club, is a 250 acre planned, gated community that includes architecture inspired by canal-era buildings, with the vision of creating a vibrant environment for residents. 

Bijao amenities that are available to all residences include: 

7 pools 
Social area in each residence 
Jacuzzis 
Exclusive bohios for the use of residents and their guests 
Fitness center 
Child’s play area 
Church 
Sport Club 
Children’s parks 
Full Service Spa 
Beach volleyball courts, tennis, soccer, handball court, basketball, squash 
Bar Restaurant Cocosolo
  • Restaurant BISTRO Bijao <br/>Bijao Golf 9 Hole Club, designed by the renowned Ron Garl<br/>Trail for walking and cycling around the community<br/>

Gallery

3D Street View Tour

Map showing Bijao complex, Rio Hato, Coclé Province, Panama.

Property Location

Bijao complex, Rio Hato, Coclé Province, Panama., Rio Hato Coclé Province

Local Weather & Climate

Rio Hato, Coclé Province

Current Conditions Updated recently
78 °F
Overcast clouds
Feels Like 79°F
Humidity 78%
Wind 8 mph
Visibility 6.2 mi
Sunrise 11:31 AM
Sunset 11:31 PM
5-Day Forecast
Sat 7 Mar
Clouds
High 90°
Low 77°
Sun 8 Mar
Clear
High 88°
Low 76°
Mon 9 Mar
Clear
High 87°
Low 75°
Tue 10 Mar
Clear
High 87°
Low 76°
Wed 11 Mar
Clear
High 87°
Low 76°
Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Rio Hato?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

$
%
$100,000
%
Estimated Monthly Payment $3,160
Monthly Payment Breakdown
Principal & Interest $2,528
Loan Amount $400,000
Total Interest $337,621
Total Cost $737,621
Potential Tax Benefits (United States)
$0 Est. First Year Interest Deduction
$0 Est. Annual Tax Savings
*Based on post-2017 tax law. Actual deductions depend on filing status, itemization, and current tax laws.

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Important Information
  • This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
  • Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
  • Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
  • This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
  • Tax benefit calculations are simplified estimates based on general assumptions for United States. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
  • Tax Year Information: Tax data shown is based on United States tax year 2025 (fiscal year: January-December), rules effective from 2018 through 2025. Tax laws change frequently and may have been amended since this data was compiled.

Market Opinion

Our perspective on current market conditions in Rio Hato. For informational purposes only — always consult a licensed real estate professional before making decisions.

Market Analysis
International luxury real estate typically appreciates steadily over time.
65
Buyer Score
Estimated regional appreciation: 4% annually
Ultra-luxury properties tend to be more resilient during market downturns

Future Value & Wealth Building

Starting investment: $89,900,000 20% down ($17,980,000)

Investment Perspective
$ $ $
$1 → $1.36
Every dollar invested today could become $1.36 in 10 years
$100 → 136 $1,000 → $1,362
+$7,725
$7,725/day
Your home may appreciate while you sleep
$54,224/week $234,971/mo $2,819,656/yr
$100K Investment Comparison (10 Years)
Real Estate (Leveraged)
$281K
S&P 500 Index
$259K
High-Yield Savings
$155K
Real estate leverage: potential 8% advantage over stocks
RENT 💸 -$49.5M
vs
OWN 📈 +$70.2M
$70.2M Potential Equity
vs $49.5M lost to rent over 10 years
$18.0M Down Payment Growth
3.9x
10yr
$70.2M
8.1x
20yr
$145.3M
12.6x
30yr
$227.1M
Wealth Comparison
×541
Equivalent to 541 average US homes
top 5%
US household wealth ranking
Median: $193K Yours: $227.1M
Time to Double Your Investment (accounting for market cycles)
42.4
years
Conservative
1.65% effective/yr
15.3
years
Optimistic
4.62% effective/yr
Projected Home Values (adjusted for market cycles)
10 Years
Conservative $105.9M +18%
Market $122.4M +36%
Optimistic $141.3M +57%
$70.2M est. equity
20 Years
Conservative $124.7M +39%
Market $166.7M +85%
Optimistic $222.0M +147%
$145.3M est. equity
30 Years
Conservative $146.8M +63%
Market $227.1M +153%
Optimistic $348.9M +288%
$227.1M est. equity

These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Data from World Bank and regional real estate market research | Estimates based on historical appreciation trends

Frequently Asked Questions

Common questions about this property

This apartment at Bijao complex, Rio Hato, Coclé Province, Panama features 5 bedrooms with 3,165 square feet of living space.
This property offers 3,165 square feet of living space.
This property is listed at $89,900,000, which equals $28404 per square foot.
Based on current market indicators, Rio Hato shows an active market. The market opportunity score is 65 out of 100, reflecting factors like price trends, inventory levels, and days on market.
This is a apartment located in Rio Hato, Coclé Province. The property is situated in an established neighborhood with convenient access to local amenities and services.
Philippe Raynaud

Philippe Raynaud

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