Checking the original advert…

Three-storey house in Jerez, 171 m²
Auction House

Jerez de la Frontera · Cádiz · 11406

Three-storey house in Jerez, 171 m²

€13,987 82 €/m²

Full-ownership auction property on a 154.88 m² plot in Jerez de la Frontera, with 171.08 m² built across three floors. It has four bedrooms, one bathroom, one toilet, garage space, terrace, and front and rear gardens.

Estimated monthly account

Rental income+€1,112/month
Mortgage 80% · 25 years · Euribor 2.86%−€52/month
Costs IBI, service charge, allowance · estimated−€38/month
Net cash flow +€1,022/month

Estimated up-front investment €4,336 · 20% deposit + 11% purchase costs

Reference SUB-AT-2026-25R4186001767 · On Inmoblia since 11 August 2026

The auction

Auction details

Official terms published on the BOE auction portal.

Running Tax agency auction Closes in 4 days
€13,987Opening bidMinimum published amount to bid
€237,633Estimated market valueInmoblia's own valuation, not the court appraisal
+94%Estimated discountOf the bid against our market value
Possession
Not stated
Prior charges
Yes, charges published
Viewable
No
Deposit to bid
€6,993
Appraised value
€174,333
Auction closes
31 August 2026

Charges published by the BOE: 34.464,17 €

The property

Specifications

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

Type
House
Built area
171 m²
Plot
155 m²
Bedrooms
4
Bathrooms
1
Toilets
1
Terrace
48 m²
Floors in the property
3
Year built
2001
Occupancy
Not stated
Transaction type
Auction
Tenure
Freehold
Fittings

Fittings and extras

Property characteristics published in the auction file.

  • Terrace 48 m²
  • Garden
  • Parking 1 space

The advert also mentions:

  • Basement garage
  • Internal staircase

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

  • Deep discountThe effective bid is at least 30% below our market valuation.

Against

  • Deposit requiredBidding requires posting the deposit the BOE demands in advance.
  • Prior charges publishedThe BOE publishes prior charges that may survive the award.
  • Closing soonSeven days or fewer remain to complete checks and submit a bid.
The auction score

How the score is built

The auction score is the weighted sum of five factors. Each panel shows its contribution and stays collapsed until you want to review the data behind it.

Total score (weighted sum of the five factors)69/100

Discount to market

45% of the score +43 pts
96
Effective bid
€13,987
Estimated market value
€237,633
Calculated discount
+94%

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 +2 pts
15
Published position
Yes, charges published

BOE text: 34.464,17 €

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 +9 pts
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 +5 pts
50
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 +10 pts
100
Valuation confidence
high confidence
Evidence coverage
76%

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.

High76%
€13,987Advertised price82 €/m²
€237,633Estimated fair value7 deduplicated comparables
UnavailableOfficial closing price in the areaOfficial evidence, kept separate

Fair purchase range

municipio
€192,375P25
€237,633mediana
€342,840P75
1,743 €/m²Reference appraised valueMIVAU · 2026Q1

Fair rent range

5,229 observations
€889/monthP25
€1,112/monthmediana
€1,385/monthP75

Model explainable-municipal-v2 · calculated on 26 August 2026. high 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.

Medium confidence: coverage is reasonable, with some relevant details to confirm.

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.