AtalayaAtalaya

Apartment in Ceuta

Ceuta • Ref: #2FF8DC73

€180,000
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Size

86 m²

Price / m²

€2,093

OccupancyOccupied · type to verify
36
Apartment in Ceuta — Ceuta
Photo: Servihabitat
1 / 4

AI visual analysis

Automated analysis · physical condition

4 of 4 photos analyzed

Physical condition

Needs work

Photo quality

Poor

Model observations

  • •Exterior: Se aprecian vistas urbanas y del entorno desde altura con vistas lejanas al mar.
  • •Fachada: Los edificios visibles en el entorno presentan acabados convencionales con desgaste habitual sin patologías graves aparentes.

Description

Estado: second-hand. Extras: lift. Sin posesión legal

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

AVOID

36/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
Not assessable
—

Vivienda de 86.00m² en Ceuta a 2093€/m² (mediana zona 2149€/m², delta -2.6%). Estado Mejorable. Posesión desconocida. Zona muy_baja sin fecha de publicación fiable.

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

Ceuta, Ceuta
map

Coordinates unavailable

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

-2.6%In line
Scope
Municipality (MITMA)
Zone median
€2,149 /m²
This asset
€2,093 /m²
Samples
220
Period
Q4-2025
Source
MITMA

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€180,000
Transfer tax (ITP) 6% — Ceuta€10,800
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€630
Estimated total investment€192,430
Estimated refurbishment (state: mejorable)€34,500 – €60,000

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

SourceServihabitat
On Atalaya since30 Sept 2026
Last updated9 Oct 2026

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Aggregated data from public sources and servicer Servihabitat. 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