AtalayaAtalaya

Apartment in San Roque

San Roque, Cadiz • Ref: #D9F09C34

€415,000
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Size

132 m²

Price / m²

€3,144

Rooms

3

OccupancyUnconfirmed
39
Apartment in San Roque — San Roque
Photo: Diglo
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AI visual analysis

Automated analysis · physical condition

26 of 26 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Fachada: edificio comunitario y zonas exteriores en buen estado de conservacion y mantenimiento.
  • •Salon: espacio amplio con suelos de marmol pulidos, chimenea integrada y cerramientos de aluminio en buen estado.
  • •Pasillo: zonas comunes interiores limpias, con ascensor y puertas de acceso protegidas con rejas de seguridad.

Description

DESCRIPCIÓN: Ático en San Roque. Ático construido en 2007 en la Urbanización Altavista de Alcaidesa, San Roque (Cádiz). Cuenta con 3 dormitorios, 2 baños y una superficie registral de 131,55 m², porche de 26,76 m², pérgolas de 31,02 m² y un solárium de 172,93 m². La superficie catastral es de 245 m². Tiene como anejo un aparcamiento de 99,67 m². Su cuota de participación es del 0,35%. Otras características Planta 02 Calificación Energética E

Characteristics

Bathrooms

2

Year built

2007

Energy rating

E

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.
1538107TF9113N

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

39/100

Confidence: Low

Score breakdown

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

Vivienda de 132.00m² en San Roque a 3144€/m² (mediana zona 2314€/m², delta +35.9%). Buen Estado. Posesión desconocida. Zona muy_baja sin fecha de publicación fiable.

Strengths

  • +Estado habitable sin reforma inmediata

Risks

  • −Precio +35.9% 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.

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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

+35.9%Above anchor
Scope
Municipality (MITMA)
Zone median
€2,314 /m²
This asset
€3,144 /m²
Samples
224
Period
Q4-2025
Source
MITMA

vs other bank assets

+72.1%Above anchor
Scope
City
Zone median
€1,827 /m²
This asset
€3,144 /m²
Samples
18
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€415,000
Transfer tax (ITP) 7% — Andalucía€29,050
Notary (est.)€623
Land Registry (est.)€415
Admin agency (est.)€1,453
Estimated total investment€446,541

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

SourceDiglo
On Atalaya since7 Oct 2026
Last updated7 Oct 2026

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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