AtalayaAtalaya

Calle Isabel Pantoja

Algeciras, Cádiz • House • Ref: #BAE2DA8F

€149,000-33% vs area market
open_in_newView original listing

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

Size

132 m²

Price / m²

€1,130

Rooms

2

OccupancyVacant
78
Calle Isabel Pantoja — Algeciras
Photo: Solvia
1 / 17

AI visual analysis

Automated analysis · physical condition

17 of 17 photos analyzed

Physical condition

Good

Photo quality

Good

descriptionDescription

Casa con tres plantas con dos dormitorios, un baño, aseo y terraza. Situada en el municipio de Algeciras, provincia de Cádiz. Cuenta con carpintería exterior en aluminio. Los suelos son de gres con gota en paredes y techos con pintura lisa. Dispone de puerta de seguridad a la entrada. Vivienda unifamiliar adosada rodeada de edificaciones de similar tipología. La vivienda se ubica en zona residencial a las afueras del municipio, con superficies comerciales y de ocio próximas, bien comunicado por carretera y cerca del aeropuerto. A menos de un kilómetro de la zona costera. Se distribuye en tres plantas comunicadas entre sí por escalera interior. La planta baja consta de cocina, aseo y salón con patio. La planta primera consta de dos dormitorios, baño y una terraza. La planta sótano se distribuye en patio diáfano.

Characteristics

Bathrooms

2

Elevator

No

Year built

2006

Pool

No

Air conditioning

No

Heating

No

Garden

No

Energy rating

E

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 131.9 m² but the cadastre records 481 m² (+265%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
9893235TE7999S0001TL
Cadastral area
481 m²
Year built
2006
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 918 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

78/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
20/20
Physical state
20/25
Legal liens
10/15
Zone liquidity
13/15

Vivienda de 131.90m² en Algeciras a 1130€/m² (mediana zona 1692€/m², delta -33.2%). Buen Estado. Posesión libre. Zona baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -33.2% frente a la mediana zonal (1692€/m²)
  • +Estado habitable sin reforma inmediata
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −917 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

-33.2%Strong opportunity
Scope
Municipality
Zone median
€1,692 /m²
This asset
€1,130 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+71.2%Above anchor
Scope
Postal code
Zone median
€660 /m²
This asset
€1,130 /m²
Samples
13
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€149,000
Transfer tax (ITP) 7% — Andalucía€10,430
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€522
Estimated total investment€160,952

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 (918 days)
On Atalaya since13 May 2026
Last updated31 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
Calle Virgen de Fátima
84

Calle Virgen de Fátima

€139,000

€596/m² · 233.22 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

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