AtalayaAtalaya

Calle Angel, s/n

Cartagena, Murcia • Other • Ref: #0BF9E2D9

€142,000
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Size

406 m²

Price / m²

€349

Rooms

1

OccupancyOccupied · no title
38
Calle Angel, s/n — Cartagena
Photo: sareb
1 / 8

AI visual analysis

Automated analysis · physical condition

8 of 8 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: Las fachadas de los edificios muestran signos de desgaste y suciedad, con algunas zonas que parecen necesitar pintura o reparación.
  • •Exterior: Se aprecian rejas en las ventanas y algunas persianas cerradas, lo que sugiere un mantenimiento básico pero no reciente.
  • •Exterior: Hay zonas con ladrillo expuesto y parches de cemento sin terminar en la parte inferior de algunos edificios.

descriptionDescription

Aliseda poner a la vente una gran oferta de Locales comerciales en CARTAGENA. tales como este situado en CALLE ANGEL, dispone de una superficie de 406 m2 , 1 habitación. Actualmente, no es posible realizar visitas al interior del inmueble. Las fotografías pueden no reflejar el estado actual de la propiedad. El precio del inmueble ha sido fijado en atención a que el inmueble se adquiera por el comprador en estado de ocupado por lo que no aplicaría dicho precio si en el momento de formalización de la escritura pública el inmueble se encontrara libre de ocupantes. Si necesitas información adicional no dudes en contactar.

Characteristics

Bathrooms

1

Floor

1

Elevator

No

Terrace

No

Parking

No

Year built

2008

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

gavelLegal & cadastral analysis

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assignmentCadastral data

straightenUnreconciled surface: the listing states 406 m² but the cadastre records 3065 m² (+655%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
8337301XG7683N0001SK
Cadastral area
3065 m²
Year built
2008
Cadastral use
Offices

routeHow to buy this asset from the bank

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  1. 1Contact the servicer from the official listing (or from Atalaya) and ask for availability and a viewing.
  2. 2Visit the property and verify real condition, possession and access. Ask for the habitability certificate and the energy certificate.
  3. 3Request a nota simple from the Land Registry (~€10) and the community-debt certificate.
  4. 4Submit your offer in writing. Servicers take it to committee: expect days to weeks. Offering below asking is standard practice.
  5. 5Once accepted: deposit contract (require 'free of occupants and belongings'), financing and deed before a notary.

handshakeThis asset has been listed for 993 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

checklistMinimum due diligence before offering

  • check_box_outline_blankRegistry nota simple: ownership, charges, liens (registradores.org, ~€10).
  • check_box_outline_blankCommunity-debt certificate and approved special levies.
  • check_box_outline_blankIBI and waste tax: outstanding bills at the town hall.
  • check_box_outline_blankOn-site possession check: is it really vacant? Are water/power supplies active?
  • check_box_outline_blankHabitability certificate and licences (essential for mortgage and utilities).

warningDebts that transfer with the property

Community debt for the current year plus the previous 3 follows the property (art. 9.1.e LPH), as do unexpired IBI and approved levies. Always request the certificates before signing: it's the classic €3,000-10,000 surprise in bank purchases.

account_balanceFinancing

Many servicers finance their own stock at aggressive terms (high LTV) through the parent bank — ask on first contact. Note: a property without a functional kitchen or bathroom may not be mortgageable as-is, and the appraisal can come in below price on heavily distressed assets.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

AVOID

38/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
2/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
10/15

Vivienda de 406.00m² en Cartagena a 349€/m² (mediana zona 2455€/m², delta -85.8%). Estado Mejorable. Posesión con ocupación irregular. Zona media, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -85.8% frente a la mediana zonal (2455€/m²)

warningRisks

  • −Aliseda marca la vivienda como ocupada sin título legal
  • −992 días en mercado sin venderse

Case file

Operation pipeline

You are not pursuing this asset yet

Start a case when you want to turn an opportunity into a real operation: contact, visit, documents, due diligence and offer.

location_on

Location

Cartagena, Murcia

analyticsPrice analysis

Two anchors: real free-market (Idealista / MITMA) and the median of other bank-owned assets in the same area. The first tells you whether REO is worth entering at all; the second, which REO listing is the best deal.

publicvs free market

-85.8%Strong opportunity
Scope
Municipality
Zone median
€2,455 /m²
This asset
€349 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

0.0%In line
Scope
Postal code
Zone median
€349 /m²
This asset
€349 /m²
Samples
7
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€142,000
Transfer tax (ITP) 8% — Murcia€11,360
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€497
Estimated total investment€154,857
Estimated refurbishment (state: mejorable)€162,500 – €284,000

Indicative estimate for a resale purchase at the general ITP rate. Auctions, new builds or reduced rates are taxed differently. The refurbishment figure is an indicative band based on the AI-detected condition. Verify with your advisor.

Listing intel

SourceAliseda
On the market sinceDec 2023 (993 days)
On Atalaya since21 Aug 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer sareb. Atalaya is an informational analytics platform; we are not a real estate agent and do not intermediate in transactions. To act on an offer, contact the original source directly. View original listing