AtalayaAtalaya

Apartment in Castro-Urdiales

Castro-urdiales, Cantabria • Ref: #98004B40

€105,000-10% vs area market
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Size

43 m²

Price / m²

€2,442

Rooms

1

OccupancyUnconfirmed
32
Apartment in Castro-Urdiales — Castro-urdiales
Photo: Hipoges
1 / 24

AI visual analysis

Automated analysis · physical condition

24 of 24 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Cocina: Mobiliario incompleto con huecos sin electrodomesticos e instalacion electrica basica descolgada.
  • •Salon: Espacio abuhardillado con vigas de madera vistas y suelo de parquet barnizado en buen estado aparente.
  • •Bano: Se vislumbra parcialmente un lavabo con pedestal y espejo en estado operativo.

Description

NO COBRAMOS COMISIÓN DE INTERMEDIACIÓN AL COMPRADOR ¡Vive la esencia del Cantábrico desde tu nuevo hogar! Descubre este piso ubicado en la localidad de Castro-Urdiales, una de las localidades más emblemáticas y atractivas de la costa cantábrica. Un piso que combina comodidad, funcionalidad y una ubicación privilegiada en un entorno donde el mar. Al acceder al piso, encontramos un salón principal concebido como el corazón del hogar. Un espacio acogedor y versátil donde crear diferentes ambientes para el descanso, la convivencia y el entretenimiento. La cocina ofrece un espacio funcional pensado para facilitar la vida diaria. Su distribución favorece el aprovechamiento de cada rincón. La zona de descanso está diseñada para garantizar privacidad y bienestar. Los dormitorios ofrecen espacios tranquilos y confortables, adaptables a distintas necesidades familiares. El baño completa la distribución de la vivienda aportando funcionalidad y practicidad, integrándose de manera armoniosa en el conjunto del inmueble y ofreciendo una experiencia residencial equilibrada y confortable. Ubicado en Castro-Urdiales, disfrutarás de una ciudad costera con un extraordinario patrimonio histórico, un encantador casco antiguo, playas urbanas, puerto pesquero y una amplia oferta de servicios. La localidad cuenta con excelentes comunicaciones con Bilbao y Santander, además de comercios, centros educativos, instalaciones deportivas, servicios sanitarios y una variada oferta de ocio y restauración. La combinación de mar, naturaleza y servicios convierte a Castro-Urdiales en uno de los destinos residenciales más valorados del norte de España. 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

1

Floor

3

Elevator

No

Terrace

No

Parking

No

Year built

1900

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

F

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.
2436512VP8023N

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

32/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
2/15

Vivienda de 43.00m² en Castro-urdiales a 2674€/m² (mediana zona 2717€/m², delta -1.6%). Estado Mejorable. Posesión desconocida. Zona muy_baja, inventario reciente (13 días).

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

Castro-urdiales, Cantabria

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

-10.1%Good price
Scope
Municipality (MITMA)
Zone median
€2,717 /m²
This asset
€2,442 /m²
Samples
179
Period
Q4-2025
Source
MITMA

vs other bank assets

+100.2%Above anchor
Scope
Province (MITMA)
Zone median
€1,220 /m²
This asset
€2,442 /m²
Samples
153
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€105,000
Transfer tax (ITP) 10% — Cantabria€10,500
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€368
Estimated total investment€116,868
Estimated refurbishment (state: mejorable)€17,000 – €30,000

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
21 Oct 2026
€115,000arrow_forward€105,000-8.7%

Listing intel

SourceHipoges
On Atalaya since16 Sept 2026
Last updated23 Oct 2026

Zone comparables

Top 5 similar properties in Castro-Urdiales by AI score

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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