AtalayaAtalaya

House in Cartagena

Calle Alcalde Cirilo Molina

Cartagena, Murcia • Ref: #7725761B

€68,000-51% vs area market
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Size

70 m²

Price / m²

€971

Rooms

2

OccupancyVacant
74
Calle Alcalde Cirilo Molina — Cartagena
Photo: Solvia
1 / 8

AI visual analysis

Automated analysis · physical condition

8 of 8 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: Presenta carpinterias antiguas, elementos de cerramiento deteriorados y acabados envejecidos.
  • •Dormitorio: Se aprecian humedades generalizadas por capilaridad en paredes, desconchones severos y suelos muy desgastados.
  • •Salon: Paredes con desprendimiento de revestimiento, instalacion electrica superficial obsoleta y solado danado.
  • •Terraza: Pavimento exterior deteriorado, muros perimetrales con alicatado antiguo desgastado y suciedad acumulada.

Description

Casa de 70 m² ubicada en Cartagena, Murcia. Se trata de una casa de 70 m² distribuidos en salón-comedor, cocina, 2 dormitorios y 1 baño. La casa se sitúa en la barriada Virgen de la Caridad, en el núcleo urbano de Cartagena, con buenos accesos por la N-332. Dispone de conexiones de autobús urbano en las proximidades y la estación de tren de Cartagena a poca distancia. En la zona se encuentran servicios como supermercados, restaurantes, instalaciones deportivas, centros educativos, oficinas bancarias y otros comercios. Cercano al Hospital General Universitario Santa Lucía, al Centro Comercial Espacio Mediterráneo y a pocos minutos del Puerto de Cartagena. Con nuestros servicios podrá encontrar la casa que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

1

Elevator

No

Year built

1962

Pool

No

Air conditioning

No

Heating

No

Garden

No

Legal & cadastral analysis

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Cadastral data

straightenUnreconciled surface: the listing states 70 m² but the cadastre records 82 m² (+17%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
8753130XG7685S0001KF
Cadastral area
82 m²
Year built
1962
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

BUY

74/100

Confidence: High

Score breakdown

Zone delta
30/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
Not assessable
—

Vivienda de 70.00m² en Cartagena a 971€/m² (mediana zona 1984€/m², delta -51.1%). Requiere Reforma Integral. Posesión libre. Zona media, inventario reciente (0 días).

Strengths

  • +Descuento del -51.1% frente a la mediana zonal (1984€/m²)
  • +Solvia no marca ocupación y publica 7 fotos del interior

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

-50.3%Strong opportunity
Scope
Municipality
Zone median
€1,955 /m²
This asset
€971 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

+54.1%Above anchor
Scope
Postal code
Zone median
€630 /m²
This asset
€971 /m²
Samples
74
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€68,000
Transfer tax (ITP) 8% — Murcia€5,440
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€74,740

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

SourceSolvia
On the market sinceOct 2026 (8 days)
On Atalaya since3 Oct 2026
Last updated9 Oct 2026

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Aggregated data from public sources and servicer Solvia. 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