Checking the original advert…

Auction Flat

Jerez de la Frontera · Cádiz · 11401

Auction flat in Jerez, four bedrooms

€1,739,100 14,992 €/m²

116 m² flat on the third floor in Jerez de la Frontera, with four bedrooms, one bathroom, one toilet and a terrace. Offered through a judicial enforcement auction; possession is not stated.

Estimated monthly account

Rental income+€746/month
Mortgage 80% · 25 years · Euribor 2.86%−€6,497/month
Costs IBI, service charge, allowance · estimated−€138/month
Net cash flow −€5,889/month

Estimated up-front investment €539,121 · 20% deposit + 11% purchase costs

Reference SUB-JA-2026-263992 · On Inmoblia since 7 August 2026

The auction

Auction details

Official terms published on the BOE auction portal.

Finished Court auction Closed on 10 August 2026
€1,739,100Opening bidMinimum published amount to bid
Possession
Not stated
Prior charges
Not stated
Deposit to bid
€86,955
The property

Specifications

What the advert says about the property: floor area, layout, condition and registry details.

Type
Flat
Built area
116 m²
Bedrooms
4
Bathrooms
1
Toilets
1
Floor
3º
Occupancy
Not stated
Transaction type
Auction
Fittings

Fittings and extras

Property characteristics published in the auction file.

  • Terrace

The advert also mentions:

  • Laundry room
  • Drying area
  • Terrace with planters
  • Residential complex Parque del Retiro
  • Registered property number 6699
  • BOE notice BOE-B-2026-24524

Free text we could not normalise into a comparable attribute, so it does not score.

The verdict

What the analysis sees

The specific signals the model finds in this property and its municipality, before going into the score in detail.

In favour

No notable positive signals.

Against

  • Charges unconfirmedThe BOE does not state whether prior charges survive the award.
  • Deposit requiredBidding requires posting the deposit the BOE demands in advance.
  • No valuation of our ownWe cannot measure the discount without an independent market valuation.
The auction score

How the score is built

This lot gets no overall score, but its factors are still measured. Each panel shows what we know and stays collapsed until you want to review the data.

Total score (the discount is missing, and it carries 45%)No score

Discount to market

45% of the score
Not measured

We have no market valuation of our own for this property, so we cannot measure the discount on the bid. Since it carries 45% of the total, the lot gets no overall score: we do not use the court appraisal as a substitute.

Effective bid
€1,739,100
Estimated market value
—
Calculated discount
—

The discount rises on a gradual curve: 20% is worth about 49/100 and 60% about 86/100. Source: the bid published by the BOE and Inmoblia's explainable valuation; the court appraisal is not used as market value.

Prior charges

15% of the score
45
Published position
Not stated

Prior charges may survive the award. No declared charges scores 100; if the BOE does not state it, 45; with published charges, 15.

Possession

20% of the score
45
Published position
Not stated

A vacant property scores 100; tenanted, 55; position unknown, 45; and occupied, 10, for the cost and time recovering possession may take.

Municipal liquidity

10% of the score
36
2.4Market turnover
median 3.3 transactions a year per 1,000 residents · more turnover, easier to resell · 2026Q1
0.85Repossession pressure
median 0.74 urban housing repossessions per 1,000 of the provincial stock · 2025

Repossessions are a provincial figure (INE) and turnover is municipal (MIVAU). They measure the market's risk and how easily it resells, not the quality of this particular property.

Without enough municipal coverage the factor stays at 50, neutral: it neither rewards nor penalises.

Valuation reliability

10% of the score
65
Valuation confidence
medium confidence
Evidence coverage
74%

The discount is only as reliable as the market value used as its reference. A high-confidence valuation scores 100; medium, 65; low or absent, 30.

Explainable valuation

An indicative estimate, not a certified appraisal. Each type of evidence is shown separately.

Medium74%
€1,739,100Advertised price14,992 €/m²
UnavailableOfficial closing price in the areaOfficial evidence, kept separate
1,743 €/m²Reference appraised valueMIVAU · 2026Q1

Fair rent range

5,229 observations
€603/monthP25
€754/monthmediana
€940/monthP75

Model explainable-municipal-v2 · calculated on 27 August 2026. medium confidence, adjusted for recency, granularity, sample and dispersion.

Comparables

Similar properties nearby

Real references of the same municipality and type, to cross-check rent and price. They are not necessarily active offers.

They let for…

Comparable rentals in Jerez de la Frontera, including those already let.

They sell for…

Comparable sales in Jerez de la Frontera, including those already sold.

In most court auctions the charges ranking ahead of the executing creditor are not extinguished: the successful bidder takes them on. Possession is not guaranteed and may require eviction proceedings at the buyer's cost. Bidding requires a digital certificate, DNIe or Cl@ve and posting the stated deposit in advance. Always check the full terms in the official BOE notice.

Low confidence: key details of the file are missing; read the score with caution.

Confidence measures how much data we hold, not the quality of the investment. We publish no arrears estimates: income, employment and crime figures are market context, never an indicator of tenant risk.