AtalayaAtalaya

House in El Puerto de Santa María

Calle Ganado, s/n

El Puerto de Santa María, Cádiz • Ref: #C0660C58

€10,500-99% vs area market
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Size

558 m²

Price / m²

€18

Rooms

4

OccupancyOccupied · no title
40
Calle Ganado, s/n — El Puerto de Santa María
Photo: aliseda
1 / 2

AI visual analysis

Automated analysis · physical condition

2 of 2 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta desconchones y suciedad, indicando falta de mantenimiento.
  • •Exterior: La entrada a la propiedad parece oscura y descuidada.

Description

Casa adosada ubicada en Puerto de Santa María (El), Cádiz, ideal para familias. Con una superficie de 558 m² construidos distribuidos en 4 habitaciones y 3 baños. Se encuentra cerca del centro de Puerto de Santa María (El). En sus alrededores encontramos el Colegio de Educación Infantil y Primaria José Luis Poullet. El entorno ofrece colegios, transporte público y supermercados cercanos, garantizando comodidad y buena conexión con el entorno. La zona cuenta con buenos accesos por carretera. La zona dispone de una amplia oferta de servicios, incluyendo centros de salud, farmacias y espacios deportivos que complementan la vida diaria de los residentes. El entorno se caracteriza por su tranquilidad y por la presencia de zonas verdes y parques que invitan al paseo y al descanso al aire libre. La ubicación estratégica permite disfrutar de una excelente relación entre vida urbana y naturaleza, con múltiples opciones de ocio y cultura en las proximidades.

Characteristics

Bathrooms

3

Elevator

No

Terrace

No

Parking

No

Year built

1980

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

En tr

Legal & cadastral analysis

expand_more

Cadastral data

Cadastral ref.
8044414QA4584C0001SD
Cadastral area
558 m²
Year built
1980
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.

handshakeThis asset has been listed for 485 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

ANALYZE

40/100

Confidence: High

Score breakdown

Zone delta
Not assessable
—
Possession
2/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
4/15

Vivienda de 558.00m² en El Puerto de Santa María a 18€/m² (mediana zona 2336€/m², delta %). Estado Mejorable. Posesión con ocupación irregular. Zona muy_baja, stock estancado (475 días).

Risks

  • −Aliseda declara no tener posesión legal (señal de ocupación irregular)
  • −475 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.

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Location

El Puerto de Santa María, 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

-99.2%Strong opportunity
Scope
Municipality (MITMA)
Zone median
€2,336 /m²
This asset
€18 /m²
Samples
333
Period
Q4-2025
Source
MITMA

vs other bank assets

-97.9%Strong opportunity
Scope
Postal code
Zone median
€860 /m²
This asset
€18 /m²
Samples
6
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€10,500
Transfer tax (ITP) 7% — Andalucía€735
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€12,535
Estimated refurbishment (state: mejorable)€223,000 – €390,500

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

SourceAliseda
On the market sinceJun 2025 (485 days)
On Atalaya since8 May 2026
Last updated9 Oct 2026

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Aggregated data from public sources and servicer aliseda. 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