AtalayaAtalaya

Apartment in Ceuta

Calle Capitán Claudio Vázquez

Ceuta • Ref: #AECC9DCE

€109,000-49% vs area market
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Size

99 m²

Price / m²

€1,097

Rooms

3

OccupancyVacant
70
Calle Capitán Claudio Vázquez — Ceuta
Photo: Solvia
1 / 3

AI visual analysis

Automated analysis · physical condition

3 of 3 photos analyzed

Physical condition

Needs work

Photo quality

Poor

Model observations

  • •Fachada: Presenta signos evidentes de envejecimiento, desgaste en la pintura y desconchones visibles en la parte superior.
  • •Exterior: Rejas de seguridad antiguas en los huecos de ventana y carpinterías exteriores desgastadas.
  • •Exterior: No se aprecian estancias interiores en el reportaje fotográfico, limitándose a vistas del edificio desde la vía pública.

Description

Piso de 88 m² ubicado en Ceuta. Se trata de un piso de 88 m² distribuidos en salón-comedor, cocina, 3 dormitorios y 1 baño. El piso se sitúa en el núcleo urbano de Ceuta, con buenos accesos por la carretera N-362, que conecta con la frontera del Tarajal y facilita la movilidad con el resto de la ciudad. Dispone de servicio regular de autobuses urbanos con paradas en las principales zonas, así como estación marítima para conexión con la península. En el entorno se pueden encontrar servicios como supermercados, restaurantes, instalaciones deportivas, centros educativos, oficinas bancarias y otros negocios comerciales. Cerca del Hospital Universitario de Ceuta, centro de salud Recinto, puerto y centros comerciales de la ciudad. Con nuestros servicios podrá encontrar el piso 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

1958

Pool

No

Air conditioning

No

Heating

No

Energy rating

E

Legal & cadastral analysis

expand_more

Cadastral data

straightenUnreconciled surface: the listing states 99.37 m² but the cadastre records 112 m² (+13%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
8939103TE8783N0004PW
Cadastral area
112 m²
Year built
1958
Cadastral use
Residential

How to buy this asset from the bank

expand_more
  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.

handshakeThis asset has been listed for 611 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

BUY

70/100

Confidence: Medium

Score breakdown

Zone delta
25/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
4/15

Vivienda de 99.37m² en Ceuta a 1097€/m² (mediana zona 2149€/m², delta -48.9%). Estado Mejorable. Posesión libre. Zona muy_baja, stock estancado (602 días).

Strengths

  • +Descuento del -48.9% frente a la mediana zonal (2149€/m²)
  • +Solvia no marca ocupación: se presupone libre

Risks

  • −602 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

Ceuta, Ceuta

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

-48.9%Strong opportunity
Scope
Municipality (MITMA)
Zone median
€2,149 /m²
This asset
€1,097 /m²
Samples
220
Period
Q4-2025
Source
MITMA

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€109,000
Transfer tax (ITP) 6% — Ceuta€6,540
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€382
Estimated total investment€116,922
Estimated refurbishment (state: mejorable)€39,500 – €69,500

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 sinceFeb 2025 (611 days)
On Atalaya since21 Jul 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