AtalayaAtalaya

Apartment in Ayamonte

La Villa, Ayamonte, Huelva • Ref: #761BC071

€232,000
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Size

194 m²

Price / m²

€1,196

Rooms

4

OccupancyUnconfirmed
20
Apartment in Ayamonte — La Villa, Ayamonte
Photo: Retama Real Estate (UCI)
1 / 20

AI visual analysis

Automated analysis · physical condition

20 of 20 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •La cocina presenta muebles antiguos y deteriorados, con azulejos envejecidos y paredes con desconchones.
  • •El salón tiene el techo de vigas de madera expuestas y paredes con manchas y desconchones, indicando necesidad de pintura y posible tratamiento de humedades.
  • •El exterior muestra un patio con paredes de ladrillo visto con vegetación y humedad, y el suelo de baldosas de barro.
  • •Los dormitorios tienen suelos de baldosas hidráulicas y paredes con manchas y desconchones, además de techos con vigas de madera expuestas.

Description

- Vivienda construida. - Los interesados tienen derecho a que se les entregue una copia del documento informativo abre...

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.

straightenUnreconciled surface: the listing states 194 m² but the cadastre records 96 m² (-51%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
1408025PB4210N
Cadastral area
96 m²
Year built
1925
Cadastral use
Residential

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

20/100

Confidence: Low

Score breakdown

Zone delta
1/30
Possession
Not assessable
—
Physical state
7/25
Legal liens
7/15
Zone liquidity
2/15

Vivienda de 194.00m² en Ayamonte a 1196€/m² (mediana zona 1071€/m², delta +11.7%). Requiere Reforma Integral. Posesión desconocida. Zona muy_baja sin fecha de publicación fiable.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 267 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Risks

  • −Precio +11.7% por encima de mediana zonal

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

La Villa, Ayamonte, 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

No reference available for this area and asset type.

vs other bank assets

-20.5%Good price
Scope
City
Zone median
€1,505 /m²
This asset
€1,196 /m²
Samples
11
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€232,000
Transfer tax (ITP) 7% — Andalucía€16,240
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€812
Estimated total investment€250,052

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

SourceRetama (UCI)
On Atalaya since29 Sept 2026
Last updated24 Oct 2026

Zone comparables

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Aggregated data from public sources and servicer Retama Real Estate (UCI). 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