AtalayaAtalaya

Apartment in San Roque

San Roque, Cadiz • Ref: #C1C932C4

€275,000
open_in_newView original listing

Get new bank-owned properties in San Roque under your budget by email. Free.

Size

98 m²

Price / m²

€2,806

Rooms

3

OccupancyUnconfirmed
28
Apartment in San Roque — San Roque
Photo: Diglo
1 / 26

AI visual analysis

Automated analysis · physical condition

26 of 26 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada del edificio parece estar en buen estado general, con pintura blanca y detalles en terracota.
  • •Exterior: El entorno exterior muestra calles asfaltadas y zonas ajardinadas bien cuidadas con palmeras.
  • •Exterior: Se observan algunas cajas de servicios públicos en la base del edificio, que parecen estar en buen estado.

Description

DESCRIPCIÓN: Vivienda en San Roque. Inmueble del año 2007 situado en la Urbanización Altavista de Alcaidesa, término municipal de San Roque (Cádiz). Tiene 2 dormitorios, 2 baños y una superficie registral de 97,82 m², porche de 24,90 m² y una superficie catastral de 204 m². Cuenta con un aparcamiento como anejo inseparable de 81,42 m². La cuota de participación asignada es del 0,21%. Otras características Planta 01 Calificación Energética G

Characteristics

Bathrooms

1

Year built

2007

Energy rating

G

Legal & cadastral analysis

expand_more

Cadastral data

Unverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

Cadastral ref.
1538107TF9113N

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.

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

28/100

Confidence: Low

Score breakdown

Zone delta
0/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
3/15

Vivienda de 98.00m² en San Roque a 2806€/m² (mediana zona 2314€/m², delta +21.3%). Estado Mejorable. Posesión desconocida. Zona muy_baja, inventario reciente (44 días).

Risks

  • −Precio +21.3% por encima de mediana zonal

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

San Roque, Cadiz

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

+21.3%Above anchor
Scope
Municipality (MITMA)
Zone median
€2,314 /m²
This asset
€2,806 /m²
Samples
224
Period
Q4-2025
Source
MITMA

vs other bank assets

+53.6%Above anchor
Scope
City
Zone median
€1,827 /m²
This asset
€2,806 /m²
Samples
18
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€275,000
Transfer tax (ITP) 7% — Andalucía€19,250
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€963
Estimated total investment€296,213
Estimated refurbishment (state: mejorable)€39,000 – €68,500

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
17 Oct 2026
€274,000arrow_forward€275,000-0.36%

Listing intel

SourceDiglo
On Atalaya since2 Sept 2026
Last updated17 Oct 2026

Zone comparables

Top 5 similar properties in San Roque by AI score

See all bank-owned properties in San Roque
Ur Miraflores
60

Ur Miraflores

€75,000

€958/m² · 78.25 m²

View analysis
Ur. Miraflores
60

Ur. Miraflores

€75,000

€710/m² · 105.6 m²

View analysis
Piso San Roque
55

Piso San Roque

€115,400

€1,479/m² · 78 m²

View analysis
Piso en Cepsa
52

Piso en Cepsa

€57,600

€702/m² · 82 m²

View analysis
Piso en Azucenas
52

Piso en Azucenas

€72,000

€960/m² · 75 m²

View analysis

Aggregated data from public sources and servicer Diglo. 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