COME HOME TO YOUR OWN ISLAND RETREAT. Put down your roots on a private, stylish, and inviting home. Urban Garden is a one-of-a-kind residence located in Ocean Reef Islands, a meticulously master-planned development in the heart of Panama’s Bay offering an iconic waterfront lifestyle overlooking the Pacific Ocean. It has two perfect little outdoor private terraces providing natural light and ventilation to the indoor spaces, creating a natural and vibrant habitat to enjoy.