AtalayaAtalaya

Apartment in San Fernando

Calle Prim

San Fernando, Cádiz • Ref: #FEEF6B9A

€115,000-30% vs area market
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Size

88 m²

Price / m²

€1,307

Rooms

3

OccupancyVacant
70
Calle Prim — San Fernando
Photo: Solvia
1 / 21

AI visual analysis

Automated analysis · physical condition

21 of 21 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: Presenta manchas de humedad y suciedad generalizada en el revestimiento exterior.
  • •Salon: Espacio amplio con suelos de gres en buen estado, pero con evidentes desconchones de pintura y rodapies retirados en la parte baja de las paredes.
  • •Dormitorio: Cuenta con armarios empotrados funcionales pero requiere reparacion de humedades y pintura en la parte inferior de los paramentos.
  • •Cocina: Visible parcialmente al fondo, con mobiliario basico instalado y aparente estado operativo.

Description

Piso de 88 m² ubicado en San Fernando, Cádiz. Se trata de un piso distribuido en salón-comedor, cocina, 3 dormitorios y 2 baños. Se sitúa en el núcleo urbano, con conexión a la CA-33 y a las vías de enlace con Cádiz y el resto de municipios de la Bahía. Dispone de líneas de autobús urbano y de la estación de Cercanías San Fernando Centro. En la zona se encuentran supermercados, centros educativos, establecimientos de restauración, oficinas bancarias, instalaciones deportivas y comercios. 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

2

Elevator

No

Year built

2008

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

Energy rating

E

Legal & cadastral analysis

expand_more

Cadastral data

Cadastral ref.
9675220QA4397F0002GJ
Cadastral area
88 m²
Year built
2008
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.

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: High

Score breakdown

Zone delta
19/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
Not assessable
—

Vivienda de 88.00m² en San Fernando a 1307€/m² (mediana zona 1866€/m², delta -29.9%). Estado Mejorable. Posesión libre. Zona muy_baja, inventario reciente (0 días).

Strengths

  • +Descuento del -29.9% frente a la mediana zonal (1866€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

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 Fernando, 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

-29.9%Strong opportunity
Scope
Municipality (MITMA)
Zone median
€1,866 /m²
This asset
€1,307 /m²
Samples
328
Period
Q4-2025
Source
MITMA

vs other bank assets

0.0%In line
Scope
Postal code
Zone median
€1,307 /m²
This asset
€1,307 /m²
Samples
5
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€115,000
Transfer tax (ITP) 7% — Andalucía€8,050
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€403
Estimated total investment€124,453
Estimated refurbishment (state: mejorable)€35,000 – €61,500

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 sinceSept 2026 (11 days)
On Atalaya since30 Sept 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