San Juan · Monacillos · Caparra Heights

This is a mortgage foreclosure and debt collection action brought by Fannie Mae against the estate of Migdalia Viera Torres, whose heirs are unknown. The property is a single-family concrete home in Caparra Heights Development, Río Piedras. The mortgage originated in June 2013 with an original principal of $191,484.00. The estate owes $138,519.93 in principal plus 3.875% annual interest from October 2025, late fees of 5% on payments overdue more than 15 days, and $19,148.40 in costs and attorney fees. The first auction is scheduled for October 27, 2026, with a minimum bid of $191,484.00. A title study shows no prior or preferred liens but notes a subsequent annotation for a separate FirstBank lawsuit also filed in April 2026 over the same mortgage debt. Investors should confirm estate administration status, occupancy, and whether the FirstBank action references the same or different obligation.