House in Isla Cristina

Calle Catalanes, s/n

Isla Cristina, Huelva • Ref: #4A2F5A4C

€60,000

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Size

106 m²

Price / m²

€566

Rooms

OccupancyVacant

Photo: sareb

1 / 4

AI visual analysis

Automated analysis · physical condition

4 of 4 photos analyzed

Physical condition

Needs work

Photo quality

Poor

Model observations

•Fachada: Presenta desprendimiento severo de pintura y enfoscado, ademas de huecos tapiados con bloques de hormigon.
•Exterior: Se aprecian rejas y carpinterias exteriores envejecidas con signos evidentes de deterioro y cableado visto en superficie.
•Balcon: Dispone de mirador y barandillas metalicas tradicionales con pintura oxidada y desgastada.

Description

Casa para reforma integral en Calle Catalanes, en el corazón de Isla Cristina. Oportunidad única en pleno centro de Isla Cristina: casa de dos plantas que cuenta con aproximadamente 98 m2 construidos ubicada en Calle Catalanes, a pocos minutos del puerto y a solo 5 minutos en coche de la playa. Esta propiedad, ideal tanto como vivienda principal como proyecto de inversión, se encuentra rodeada de todos los servicios y comodidades que ofrece la localidad. No pierdas la oportunidad de adquirir una propiedad con tantas posibilidades en una de las zonas más atractivas de Isla Cristina. Imagina el proyecto, dale forma y crea la vivienda que siempre has querido. Contacta con nosotros hoy mismo para obtener más información sobre el inmueble, coordinar una visita, y comenzar el viaje hacia tu nuevo hogar.

Characteristics

Bathrooms

Elevator

Terrace

Parking

Year built

1923

Pool

Air conditioning

Heating

Storage room

Garden

Energy rating

Legal & cadastral analysis

expand_more

Cadastral data

straightenUnreconciled surface: the listing states 106 m² but the cadastre records 62 m² (-42%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.

8689107PB4188N0001SQ

Cadastral area

62 m²

Year built

1923

Cadastral use

Residential

How to buy this asset from the bank

expand_more

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

handshakeThis asset has been listed for 1380 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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

60/100

Confidence: Low

Score breakdown

Zone delta: 30/30
Possession: 20/20
Physical state: 14/25
Legal liens: 10/15
Zone liquidity: —

Vivienda de 106.00m² en Isla Cristina a 566€/m² (mediana zona 1516€/m², delta -62.7%). Estado Mejorable. Posesión libre. Zona baja, más de 2 años sin vender.

Strengths

+Descuento del -62.7% frente a la mediana zonal (1516€/m²)
+Aliseda declara el activo con posesión: libre para entregar

Risks

−1376 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

Isla Cristina, Huelva

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

-62.7%Strong opportunity

Scope: Municipality
Zone median: €1,516 /m²
This asset: €566 /m²
Period: septiembre 2026
Source: Idealista

vs other bank assets

-54.5%Strong opportunity

Scope: City
Zone median: €1,243 /m²
This asset: €566 /m²
Samples: 47
Source: Atalaya (bank inventory)

Estimated acquisition costs

Asset price€60,000

Transfer tax (ITP) 7% — Andalucía€4,200

Notary (est.)€600

Land Registry (est.)€400

Admin agency (est.)€300

Estimated total investment€65,500

Estimated refurbishment (state: mejorable)€42,500 – €74,000

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 2022 (1380 days)

On Atalaya since6 Oct 2026

Last updated9 Oct 2026

€90,000

€865/m² · 104 m²

View analysis

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