AtalayaAtalaya

Chalet Adosado en Venta en Calle Baja,17

San Roque, Cadiz • House • Ref: #CA8836F0

€520,000-12% vs area market
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Size

260 m²

Price / m²

€2,000

Rooms

5

OccupancyUnconfirmed
52
Chalet Adosado en Venta en Calle Baja,17 — San Roque
Photo: Diglo

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •La fachada presenta un buen estado general, con pintura uniforme y sin signos de deterioro.
  • •El exterior de la propiedad, incluyendo el jardín y la piscina, se ve bien mantenido y cuidado.

descriptionDescription

DESCRIPCIÓN: Vivienda unifamiliar adosada en la Urbanización Villas de Paniagua, Calle Baja nº S/N, Adosado 17, en San Roque (Cádiz). Construida en 2006, la propiedad cuenta con una superficie registral de 212 m² (y una superficie catastral de 260 m²). Se distribuye en planta sótano con garaje y trastero; planta baja con vestíbulo, estar-comedor, cocina, despacho, aseo, porche y patio; y planta primera con distribuidor, tres dormitorios, vestidor y dos baños. Adicionalmente, cuenta con un torreón que da acceso a una azotea con terrazas. La vivienda dispone de seis habitaciones y tres baños en total. Su cuota de participación en los elementos comunes del complejo es del 2,20%. URBANISMO: El inmueble está clasificado como Suelo Urbano Consolidado, bajo la ordenanza R1-2B (Unifamiliar Adosada tipo B) del Plan General de Ordenación Urbana de San Roque. El uso característico es residencial. La propiedad cumple con las condiciones urbanísticas determinadas por las ordenanzas municipales. Otras características Planta PR Calificación Energética E

Characteristics

Bathrooms

3

Year built

2006

Energy rating

E

gavelLegal & cadastral analysis

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assignmentCadastral datahelpUnverified

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

Cadastral ref.
2885106TF9128N

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.

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

52/100

Confidence: Medium

Score breakdown

Zone delta
13/30
Possession
Not assessable
—
Physical state
20/25
Legal liens
7/15
Zone liquidity
4/15

Vivienda de 260.00m² en San Roque a 2000€/m² (mediana zona 2268€/m², delta -11.8%). Buen Estado. Posesión desconocida. Zona muy_baja sin fecha de publicación fiable.

trending_upStrengths

  • +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

San Roque, Cadiz

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

-11.8%Good price
Scope
Municipality
Zone median
€2,268 /m²
This asset
€2,000 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+164.6%Above anchor
Scope
City
Zone median
€756 /m²
This asset
€2,000 /m²
Samples
11
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€520,000
Transfer tax (ITP) 7% — Andalucía€36,400
Notary (est.)€780
Land Registry (est.)€520
Admin agency (est.)€1,820
Estimated total investment€559,520

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

SourceDiglo
On Atalaya since1 Jul 2026
Last updated1 Jul 2026

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Aggregated data from public sources and servicer Diglo. 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