AtalayaAtalaya

Apartment in Chiclana de la Frontera

Chiclana de la Frontera, Cádiz • Ref: #140B66F8

€107,400-30% vs area market
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Size

72 m²

Price / m²

€1,492

Rooms

3

OccupancyOccupied · legal tenantDeduced by AI
54
Apartment in Chiclana de la Frontera — Chiclana de la Frontera
Photo: Unicaja Inmuebles

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La pintura exterior del edificio se ve desgastada y con suciedad acumulada.
  • •Fachada: Las persianas de las ventanas muestran signos de uso y algunas parecen estar en mal estado.
  • •Exterior: Hay aparatos de aire acondicionado antiguos y cables visibles en la fachada.

Description

Piso con 3 habitaciones en la provincia de Cádiz, en el municipio de Chiclana de la frontera, en la calle LIBERTAD. CON INCIDENCIAS: INMUEBLE ALQUILADO-NO VISITABLE

How 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.

Minimum 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).

Debts 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.

Financing

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

ANALYZE

54/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
12/20
Physical state
14/25
Legal liens
7/15
Zone liquidity
5/15

Vivienda de 72.00m² en Chiclana de la Frontera a 1492€/m² (mediana zona 2066€/m², delta -27.8%). Estado Mejorable. Posesión con inquilino legal. Zona baja, 142 días en mercado.

Strengths

  • +Descuento del -27.8% frente a la mediana zonal (2066€/m²)

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.

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Location

Chiclana de la Frontera, Cádiz

Price 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.

vs free market

-29.9%Strong opportunity
Scope
Municipality
Zone median
€2,129 /m²
This asset
€1,492 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

-5.1%In line
Scope
Postal code
Zone median
€1,572 /m²
This asset
€1,492 /m²
Samples
8
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€107,400
Transfer tax (ITP) 7% — Andalucía€7,518
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€376
Estimated total investment€116,294
Estimated refurbishment (state: mejorable)€29,000 – €50,500

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

SourceUnicaja
On Atalaya since9 May 2026
Last updated9 Oct 2026

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Aggregated data from public sources and servicer Unicaja Inmuebles. 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