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AtalayaAtalaya

Apartment in Cartagena

Cartagena, Murcia • Ref: #3B322776

€94,000-51% vs area market
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Size

99 m²

Price / m²

€949

Rooms

4

OccupancyUnconfirmed
72
Apartment in Cartagena — Cartagena
Photo: Hipoges
1 / 2

AI visual analysis

Automated analysis · physical condition

2 of 2 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: edificio de varias alturas con caravista y elementos pintados con desgaste y pintura descascarillada en aleros.
  • •Pasillo: zona comunitaria o acceso con escaleras de terrazo y barandilla de forja en estado funcional pero de estilo antiguo.

Description

NO COBRAMOS COMISIÓN DE INTERMEDIACIÓN AL COMPRADOR Excelente oportunidad para adquirir esta vivienda luminosa y acogedora, con una distribución óptima que incorpora amplios ventanales para una entrada generosa de luz natural, creando una sensación de amplitud y calidez en cada uno de sus espacios y habitaciones, ubicada en la encantadora localidad de Cartagena, en la provincia de Murcia. Se trata de un piso de distribuido en salón-comedor, cocina, 4 dormitorios y 1 baño. Forma parte de un edificio residencial, situado en un entorno urbano que ofrece comodidad y fácil acceso a servicios esenciales. Cartagena ofrece una amplia red de servicios médicos con centros de atención primaria y especializados, una variada oferta educativa que abarca desde educación infantil hasta estudios superiores, y una actividad comercial dinámica con zonas tradicionales y áreas modernas. Destaca por sus ventajas urbanas, como patrimonio histórico, entorno costero y buena calidad de vida. Sus conexiones terrestres incluyen accesos fluidos por autovías, carreteras regionales y redes de transporte interurbano que facilitan el desplazamiento hacia Murcia y localidades cercanas. No dudes en ponerte en contacto con nosotros. Más información rellenando el formulario de contacto o por teléfono. Estaremos encantados de atenderte. Hipoges es una plataforma inmobiliaria donde podrás acceder a miles de activos inmobiliarios de diferentes tipos como viviendas, locales comerciales, terrenos, nueva obra, tanto a nivel particular como para inversores. Hipoges cuenta con una amplia cartera de activos inmuebles tanto en España como en Portugal y Grecia. ¿Necesitas financiación? Te ofrecemos la posibilidad de financiaciones de hasta el 100% para la compra de este inmueble. Entra en Finanwin.com, haz tu simulación y obtén la mejor oferta para tu Hipoteca de la manera más ágil y sencilla.

Characteristics

Bathrooms

3

Floor

2

Elevator

No

Terrace

No

Parking

No

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

G

Legal & cadastral analysis

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Cadastral data

Unverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

Cadastral ref.
8651002XG7685S

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

72/100

Confidence: Medium

Score breakdown

Zone delta
30/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
10/15

Vivienda de 99.00m² en Cartagena a 949€/m² (mediana zona 1984€/m², delta -52.2%). Estado Mejorable. Posesión desconocida. Zona media, 142 días en mercado.

Strengths

  • +Descuento del -52.2% frente a la mediana zonal (1984€/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

Cartagena, Murcia

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

-51.5%Strong opportunity
Scope
Municipality
Zone median
€1,955 /m²
This asset
€949 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

+36.7%Above anchor
Scope
City
Zone median
€694 /m²
This asset
€949 /m²
Samples
192
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€94,000
Transfer tax (ITP) 8% — Murcia€7,520
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€329
Estimated total investment€102,849
Estimated refurbishment (state: mejorable)€39,500 – €69,500

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

SourceHipoges
On Atalaya since11 May 2026
Last updated9 Oct 2026

Zone comparables

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Aggregated data from public sources and servicer Hipoges. 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