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Apartment in Ayamonte

Calle Capilla del Monte

Ayamonte, Huelva • Ref: #DCEC30AC

€42,600
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Size

106 m²

Price / m²

€403

Rooms

2

OccupancyOccupied · type to verify
62
Calle Capilla del Monte — Ayamonte
Photo: Solvia
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AI visual analysis

Automated analysis · physical condition

25 of 25 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta desconchones en la pintura y un aspecto general envejecido.
  • •Cocina: La cocina es funcional pero los muebles y electrodomésticos son de un estilo antiguo.
  • •Salon: El salón tiene paredes pintadas de naranja y amarillo, y el suelo de madera laminada muestra un desgaste normal.
  • •Pasillo: El pasillo es estrecho y oscuro, con un aspecto que podría mejorarse con pintura e iluminación.

Description

Vivienda situada en la localidad de Ayamonte, en la provincia de Huelva. La vivienda tiene una superficie construida de 79 m² y está distribuida en un hall de entrada, que da acceso a una cocina independiente y un pasillo que distribuye a un salón comedor, 2 dormitorios y 2 cuartos de baño. Se localiza en una zona consolidada con carácter urbano y residencial, situado a pocos minutos del centro de la población, rodeado por fincas de similares características. Dispone de equipamientos suficientes en el entorno como: médico-sanitario, docente, religioso, comercial, restaurantes. Cuenta con buenas comunicaciones con el resto de la localidad. Buen acceso a través de carreteras principales que rodea al municipio y lo comunican con el resto de la provincia. Con nuestros servicios podrá encontrar la vivienda 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. [Aviso legal] El inmueble se encuentra gravado con una o varias cargas, la/s cual/es se encuentra/n pendiente/s de su cancelación. Se debe consultar su situación actual, así como sus posibles limitaciones y la asunción de su cancelación. Se recomienda que el comprador obtenga asesoramiento profesional y legal antes de adoptar la decisión de compra.

Characteristics

Bathrooms

2

Year built

1955

Energy rating

E

Legal & cadastral analysis

expand_more

Cadastral data

Cadastral ref.
1407409PB4210N0004WY
Cadastral area
96 m²
Year built
1955
Cadastral use
Urbanization works · undeveloped land

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 649 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

62/100

Confidence: High

Score breakdown

Zone delta
30/30
Possession
10/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
1/15

Vivienda de 96.00m² en Ayamonte a 444€/m² (mediana zona 1033€/m², delta -57.0%). Estado Mejorable. Posesión con ocupación a verificar. Zona muy_baja, stock estancado (623 días).

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 279 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Strengths

  • +Descuento del -57.0% frente a la mediana zonal (1033€/m²)

Risks

  • −623 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

Ayamonte, Huelva

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

No reference available for this area and asset type.

vs other bank assets

-73.2%Strong opportunity
Scope
City
Zone median
€1,505 /m²
This asset
€403 /m²
Samples
11
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€42,600
Transfer tax (ITP) 7% — Andalucía€2,982
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€46,882
Estimated refurbishment (state: mejorable)€42,000 – €74,000

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.

Listing intel

SourceSolvia
On the market sinceJan 2025 (649 days)
On Atalaya since13 Sept 2026
Last updated24 Oct 2026

Zone comparables

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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