AtalayaAtalaya

Calle Virgen de Fátima

Algeciras, Cádiz • House • Ref: #65D8779B

€139,000-65% vs area market
open_in_newView original listing

Get new bank-owned properties in Algeciras under your budget by email. Free.

Size

233 m²

Price / m²

€596

Rooms

3

OccupancyVacant
84
Calle Virgen de Fátima — Algeciras
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La pintura de la fachada está desgastada y presenta suciedad.
  • •Exterior: La acera y la entrada muestran signos de deterioro y falta de mantenimiento.
  • •Exterior: Las rejas y la puerta de entrada parecen antiguas y con óxido.

descriptionDescription

Vivienda unifamiliar adosada en Algeciras, provincia de Cádiz. Construida en 1990, la vivienda cuenta con una superficie de 233 m², consta de una planta y se distribuye en salón-comedor, cocina, 3 dormitorios y 1 baño. Además de zonas verdes y un jardín común. La vivienda está a unos minutos de la estación del tren y al acceso viario A-7. La zona está dotada de equipamiento variado, centro comercial, farmacia, restaurantes, colegio y la playa y el puerto a unos minutos. Con nuestros servicios podrá encontrar la vivienda que necesita. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

1

Elevator

No

Year built

1990

Pool

No

Air conditioning

No

Heating

No

Energy rating

D

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 233.22 m² but the cadastre records 15444 m² (+6522%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
86176A1TF7081S0001HP
Cadastral area
15444 m²
Year built
1990
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 919 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

84/100

Confidence: High

Score breakdown

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

Vivienda de 233.22m² en Algeciras a 596€/m² (mediana zona 1692€/m², delta -64.8%). Estado Mejorable. Posesión libre. Zona baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -64.8% frente a la mediana zonal (1692€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −915 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

Algeciras, Cádiz

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

-64.8%Strong opportunity
Scope
Municipality
Zone median
€1,692 /m²
This asset
€596 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-9.7%In line
Scope
Postal code
Zone median
€660 /m²
This asset
€596 /m²
Samples
13
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€139,000
Transfer tax (ITP) 7% — Andalucía€9,730
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€487
Estimated total investment€150,217
Estimated refurbishment (state: mejorable)€93,500 – €163,500

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 sinceFeb 2024 (919 days)
On Atalaya since8 Aug 2026
Last updated28 Aug 2026

compare_arrowsZone comparables

Top 5 similar properties in Algeciras by AI score

Casa Adosada en Calle Teruel
85

Casa Adosada en Calle Teruel

€75,600

€582/m² · 130 m²

View analysisarrow_forward
Casa Adosada en Calle Ponce de Leon
83

Casa Adosada en Calle Ponce de Leon

€94,600

€526/m² · 180 m²

View analysisarrow_forward
Casa Adosada en Calle Teruel
83

Casa Adosada en Calle Teruel

€45,100

€609/m² · 74 m²

View analysisarrow_forward
Casa Independiente en Investigadora Carmen Fontecha
82

Casa Independiente en Investigadora Carmen Fontecha

€150,000

€714/m² · 210 m²

View analysisarrow_forward
Calle Isabel Pantoja
78

Calle Isabel Pantoja

€149,000

€1,130/m² · 131.9 m²

View analysisarrow_forward

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