AtalayaAtalaya

Plaza De Poniente

Ensanche-Almarjal, Cartagena, Murcia • Apartment • Ref: #27E181AE

€159,000-45% vs area market
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Size

117 m²

Price / m²

€1,354

Rooms

5

OccupancyOccupied · legal tenantDeduced by AI
74
Plaza De Poniente — Ensanche-Almarjal, Cartagena
Photo: Solvia
1 / 23

AI visual analysis

Automated analysis · physical condition

23 of 23 photos analyzed

Physical condition

Good

Photo quality

Good

descriptionDescription

Piso de 5 dormitorios en Cartagena, Murcia. Situado en la zona de Ensanche, esta vivienda de segunda mano y 117 m² ofrece buena conexión por transporte público como el autobús con las líneas 1a, 2b y 8 o por transporte privado con fácil acceso a la CT-33 y N-332. Su cercanía a colegio, instituto, parques, instalaciones deportivas, supermercados, cafeterías, restaurantes, farmacias y hospitales la convierten en una propuesta inteligente a un precio accesible. La vivienda se encuentra en la tercera planta de un edificio construido en 1954 y con una superficie de 117 m² se compone de salón-comedor, cocina amueblada y equipada con horno, placa vitrocerámica y extractor de humos, 5 dormitorios y 2 baños. El edificio cuenta con parking comunitario, aunque la vivienda no dispone de plaza fija asignada. Por todo ello y por su ubicación a 7 minutos del puerto deportivo, esta vivienda representa una oportunidad para entrar a vivir.

Characteristics

Bathrooms

2

Elevator

No

Year built

1954

Pool

No

Air conditioning

No

Heating

No

Garden

No

Energy rating

E

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
7649902XG7674N0007DF
Cadastral area
115 m²
Year built
1954
Cadastral use
Residential

routeHow 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.

handshakeThis asset has been listed for 265 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

checklistMinimum 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).

warningDebts 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.

account_balanceFinancing

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

74/100

Confidence: High

Score breakdown

Zone delta
25/30
Possession
12/20
Physical state
20/25
Legal liens
10/15
Zone liquidity
11/15

Vivienda de 117.41m² en Cartagena a 1354€/m² (mediana zona 2455€/m², delta -44.8%). Buen Estado. Posesión con inquilino legal. Zona media, 263 días en mercado.

trending_upStrengths

  • +Descuento del -44.8% frente a la mediana zonal (2455€/m²)
  • +Estado habitable sin reforma inmediata

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

Ensanche-Almarjal, Cartagena, Murcia

analyticsPrice 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.

publicvs free market

-44.8%Strong opportunity
Scope
Municipality
Zone median
€2,455 /m²
This asset
€1,354 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+114.9%Above anchor
Scope
Postal code
Zone median
€630 /m²
This asset
€1,354 /m²
Samples
74
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€159,000
Transfer tax (ITP) 8% — Murcia€12,720
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€557
Estimated total investment€173,277

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.
1 Aug 2026
€161,000arrow_forward€159,000-1.24%

Listing intel

SourceSolvia
On the market sinceDec 2025 (265 days)
On Atalaya since12 May 2026
Last updated31 Aug 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