AtalayaAtalaya

Casa Adosada en Santa María de Cayón

Santa María de Cayón, Cantabria • House • Ref: #436658A7

€224,000-43% vs area market
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Size

184 m²

Price / m²

€1,217

Rooms

4

OccupancyUnconfirmed
54
Casa Adosada en Santa María de Cayón — Santa María de Cayón, Santa María de Cayón
Photo: Hipoges
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AI visual analysis

Automated analysis · physical condition

47 of 47 photos analyzed

Physical condition

Needs work

Photo quality

Good

descriptionDescription

NO COBRAMOS COMISIÓN DE INTERMEDIACIÓN AL COMPRADOR ¡Un proyecto con alma en el corazón de Cantabria! Te presentamos esta vivienda adosada que consta de tres plantas, distribuida en tres plantas, ubicada en un entorno natural y tranquilo, en Santa María de Cayón, Cantabria. Una vivienda con carácter y gran potencial, perfecta para familias que buscan espacio, naturaleza y un proyecto personalizable. La vivienda cuenta con amplio salón-comedor con acceso al jardín, cocina independiente con lavadero, amplios dormitorios, uno de ellos con salida directa a una terraza con vistas despejadas y baños. La distribución actual, funcional y versátil, permite múltiples posibilidades de reforma y adaptación para crear espacios abiertos y modernos, o mantener ambientes más tradicionales, según tus preferencias. La parcela privada que rodea la vivienda es uno de sus grandes atractivos: un lienzo en blanco donde podrás diseñar tu propio jardín, zona de juegos, espacio chill-out o incluso un huerto ecológico. Un entorno perfecto para disfrutar en familia, con privacidad, tranquilidad y la libertad que solo una casa con terreno puede ofrecer. Santa María de Cayón es una localidad que combina el encanto rural con todos los servicios necesarios: colegios, supermercados, centros médicos, transporte público y conexión directa con núcleos como Saron, Torrelavega o Santander (a menos de 30 minutos por carretera). Rodeada de naturaleza, senderos y áreas verdes, es un enclave ideal para quienes buscan calidad de vida sin renunciar a la conexión con zonas urbanas. Hipoges es una plataforma inmobiliaria donde podrás acceder a miles de activos inmobiliarios de diferentes tipos como viviendas, locales comerciales, terrenos, nueva obra, tanto a nivel particular como para inversores. Hipoges cuenta con una amplia cartera de activos inmuebles tanto en España como en Portugal y Grecia. ¿Necesitas financiación? Te ofrecemos la posibilidad de financiaciones de hasta el 100% para la compra de este inmueble. Entra en Finanwin.com, haz tu simulación y obtén la mejor oferta para tu Hipoteca de la manera más ágil y sencilla.

Characteristics

Bathrooms

3

Elevator

No

Terrace

Yes

Parking

No

Year built

1948

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

G

gavelLegal & cadastral analysis

expand_more

assignmentCadastral datahelpUnverified

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

straightenUnreconciled surface: the listing states 184 m² but the cadastre records 265 m² (+44%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
0357004VN3905N
Cadastral area
265 m²
Year built
1948
Cadastral use
Residential

routeHow 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.

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

ANALYZE

54/100

Confidence: Medium

Score breakdown

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

Vivienda de 184.00m² en Santa María de Cayón a 1217€/m² (mediana zona 2154€/m², delta -43.5%). Estado Mejorable. Posesión desconocida. Zona muy_baja, 114 días en mercado.

trending_upStrengths

  • +Descuento del -43.5% frente a la mediana zonal (2154€/m²)

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

Santa María de Cayón, Santa María de Cayón, Cantabria

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

-43.5%Strong opportunity
Scope
Province (MITMA)
Zone median
€2,154 /m²
This asset
€1,217 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

+7.8%Above anchor
Scope
Province (MITMA)
Zone median
€1,129 /m²
This asset
€1,217 /m²
Samples
132
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€224,000
Transfer tax (ITP) 10% — Cantabria€22,400
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€784
Estimated total investment€248,184
Estimated refurbishment (state: mejorable)€73,500 – €129,000

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

SourceHipoges
On Atalaya since8 May 2026
Last updated31 Aug 2026

Aggregated data from public sources and servicer Hipoges. 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