Buying real estate is never just about owning land—it’s about securing a future. For our family, investing in a residential lot in Upper Central, Cagayan de Oro, wasn’t a spur-of-the-moment decision. It was a move rooted in careful research, long-term vision, and trust in the area’s potential.

We submitted the offer letter for this property 3 months ago and finally, this July (which happens to be the birth month of my husband and I) we got approved. We paid for the down payment yesterday and we’re now waiting for the documentation to be finalized.

Here’s why we chose Upper Central CDO as our next real estate investment.

1.Strategic Location

Upper Central, formerly known as Mountain Meadows, is quickly becoming one of the most desirable residential zones in Cagayan de Oro City. It offers a unique blend of elevated, peaceful living with direct access to the city’s commercial and institutional core.

Strategically located just minutes from the Downtown Business District, Upper Central is:

·       Only 5 minutes from Limketkai Center and Cogon Market

·       Close to SM CDO Downtown Premier, Ayala Centrio Mall, and Gaisano City Mall

·       Near top hospitals like Maria Reyna Xavier University Hospital, Capitol University Medical Center, and Northern Mindanao Medical Center (NMMC)

·       Accessible to major schools and universities such as Xavier University, Liceo de Cagayan University, USTP (University of Science and Technology of Southern Philippines), and Capitol University

It has several access roads:

J.R. Borja Road / J.R. Borja Extension This is the primary road leading directly into Upper Central, running through the highlands of Barangays Gusa and Indahag, and serving as the primary artery of the area.

Eastern Interior Road (Gusa – Puerto / Intersection with Sayre Highway) An extension of J.R. Borja Road, this road connects the Upper Central uplands to Sayre Highway and helps alleviate traffic toward the Butuan–Cagayan de Oro corridor.

Agusan–Balubal Road (via Sayre Highway) A major east–west route that intersects with city roads and links the CBD to the eastern barangays, providing access to Upper Central when combined with J.R. Borja Road

This ideal location makes Upper Central perfect for professionals, families, and retirees seeking both convenience and long-term real estate value in a fast-growing part of the city.

2. Ideal for Future Home Building

We didn’t just buy land—we bought peace of mind. Owning a residential lot in Upper Central gives us the flexibility to design and build our future home, exactly the way we want it. The elevation provides great ventilation and scenic views, perfect for a quiet lifestyle without compromising on connectivity.

3. Promising Real Estate Appreciation

Upper Central is set to become part of Megaworld’s very first mixed-use township in Cagayan de Oro. This project, initially launched and developed by Fil‑Estate Land, Inc was renamed Global‑Estate Resorts, Inc. (GERI) in 2011 after Alliance Global Group (AGI), led by Andrew Tan, acquired a majority stake and rebranded the firm. In 2014, Megaworld Corporation — a subsidiary of AGI — acquired AGI’s remaining stake in GERI, fully consolidating the company under Megaworld’s umbrella.

Spanning over 300 hectares, its Phase 1 (117 hectares) is being developed by Megaworld’s subsidiary, Global-Estate Resorts, Inc. (GERI), with a projected ₱5-billion investment over the next decade. The township will feature:

· Retail centers and cafés

· Office spaces and co-working hubs

· Exclusive residential enclaves

· 40% open space for parks, bike and walking trails

· Viewing decks at up to 245 meters above sea level, offering panoramic views

With Megaworld’s proven track record of developing thriving townships across the Philippines, property values in this area are expected to significantly appreciate once the official launch begins.

We were fortunate to acquire our lot at a price well below market value, as it was a foreclosed property. However, shortly after we made our offer, the bank announced a reappraisal and adjusted the pricing. As of now, available lots (ranging from 250 to 500 sqm) are priced between ₱11,700 and ₱13,000 per sqm.

Despite the adjustment, this remains an excellent investment considering the prime location and the area’s high appreciation potential. For comparison, Megaworld residential lots in other cities typically start at ₱25,000 per sqm or more.

Another key advantage is that these lots are available via bank financing with just 20% down payment, unlike most residential lots in CDO which require full cash payment. Buying now—while prices are still reasonable—positions us to benefit from long-term capital appreciation.

4. A Safer, Flood-Free Zone & Master-planned Community

Cagayan de Oro has experienced flooding in low-lying areas during typhoon seasons. Upper Central is a high-elevation area, making it one of the safest bets for building a permanent home in a flood-free zone.

What stood out most was the emerging sense of community. New subdivisions and villages in Upper Central are master-planned with parks, clubhouses, and open spaces that promote an active lifestyle. This is a big plus for families with kids, seniors, or anyone who values outdoor time and quiet surroundings.

Final Thoughts: Is Upper Central CDO Right for You?

For us, the decision to invest in a residential lot in Upper Central was based on more than just location—it was about lifestyle, safety, and future value. If you’re looking for real estate in Cagayan de Oro that combines peace, growth potential, and smart investment opportunity, Upper Central deserves a close look.

Interested in finding lots for sale in Upper Central CDO? Message us today—we’re happy to share insights, contacts, and tips based on our own experience.