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Apartment in Bornos

Bornos, Cádiz • Ref: #898AD005

€70,000
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Size

113 m²

Price / m²

€619

Rooms

4

OccupancyUnconfirmed
61
Apartment in Bornos — Bornos
Photo: Hipoges
1 / 26

AI visual analysis

Automated analysis · physical condition

26 of 26 photos analyzed

Physical condition

Good

Photo quality

Good

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 Huerto Del Agua, en la provincia de Cádiz. Forma parte de un edificio residencial con ascensor, situado en un entorno urbano que ofrece comodidad y fácil acceso a servicios esenciales. Huerto del Agua, en la provincia de Cádiz, ofrece servicios médicos básicos en su entorno cercano, con acceso a centros de salud y hospitales de municipios próximos. En el ámbito educativo cuenta con escuelas y centros formativos en la zona, que garantizan cobertura para las distintas etapas académicas. Su oferta comercial es variada, con establecimientos locales que atienden las necesidades diarias. Destaca por su entorno natural, tranquilidad y proximidad a núcleos urbanos mayores, lo que le brinda buenas conexiones terrestres a través de carreteras comarcales y acceso rápido a vías principales de la provincia. 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

1

Elevator

Yes

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.
5878305TF5757N

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

61/100

Confidence: Medium

Score breakdown

Zone delta
25/30
Possession
Not assessable
—
Physical state
20/25
Legal liens
7/15
Zone liquidity
0/15

Vivienda de 113.00m² en Bornos a 619€/m² (mediana zona 1126€/m², delta -45.0%). Buen Estado. Posesión desconocida. Zona muy_baja, inventario reciente (89 días).

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 301 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Strengths

  • +Descuento del -45.0% frente a la mediana zonal (1126€/m²)
  • +Estado habitable sin reforma inmediata

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

Bornos, Cádiz

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

-44.8%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,122 /m²
This asset
€619 /m²
Samples
358
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€70,000
Transfer tax (ITP) 7% — Andalucía€4,900
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€76,200

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
31 Jul 2026
€80,000arrow_forward€70,000-12.5%

Listing intel

SourceHipoges
On Atalaya since7 Jul 2026
Last updated14 Oct 2026

Zone comparables

Top 5 similar properties in Bornos by AI score

See all bank-owned properties in Bornos

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