Spacious 3-Bedroom Apartment with Private Garden in La Cerdanya
€490,000€3,984/m²
La Cerdanya, La Cerdanya, Spain
3
bedrooms
2
bathrooms
123 m²
interior
Apartment
property type
29 May 2026
listed
The Habio take
AI summaryThis generous 3-bedroom ground floor apartment features two suites and a private garden, perfect for families or those seeking outdoor space. Located in the picturesque La Cerdanya region of Spain, known for its stunning mountain landscapes and adventurous outdoor activities.
- mountains
- family
- retirement
- quiet
- garden
Highlights
- 123 m² of internal living space
- Private garden for outdoor enjoyment
- Two en-suite bedrooms
- Ground floor access for convenience
- Located in scenic La Cerdanya
Worth knowing
- Limited information on local amenities
- Mountainous area may require a vehicle for some errands
Good fit for: Ideal for families or buyers seeking a peaceful retreat in nature.
Lifestyle scores
- Beach
- 0
- Walkable
- 50
- Remote work
- 55
- Family
- 80
- Retirement
- 75
- Airport access
- 60
- Investment
- 70
- Luxury
- 65
- Value
- 70
About this place
Spacious 3-bedroom ground floor with private garden and two suites in Puigcerdà, La Cerdanya.
Buying property in Spain
Spain welcomes foreign buyers with no nationality restrictions. The buyer needs an NIE (Número de Identidad de Extranjero) before completion, and most buyers open a Spanish bank account to handle the deposit and ongoing charges. An independent lawyer (abogado) is strongly recommended — the notario only checks the deed, not the wider title.
- 1
Get an NIE
Apply for the foreign-resident tax number at a Spanish consulate, police station, or via a representative with power of attorney.
- 2
Open a Spanish bank account
Needed for the deposit, taxes, mortgage payments, and utilities.
- 3
Engage an independent lawyer
Lawyer runs title, debts, planning, and community-of-owners checks — the notario will not.
- 4
Reservation contract
Small deposit (€3,000–€10,000) takes the property off the market while due diligence runs.
- 5
Sign the contrato de arras
Private purchase contract with a 10% deposit. If the buyer pulls out they lose it; if the seller pulls out they pay double.
- 6
Sign the escritura pública
Final public deed signed before a notario; balance and taxes paid; keys handed over.
- 7
Register the property
Lawyer registers the deed at the Registro de la Propiedad and arranges utility and IBI transfers.
Spain ended its Golden Visa property route in April 2025. Non-resident mortgages are widely available, typically 60–70% LTV. Non-resident sellers face a 3% withholding from the sale price (retención), claimable against capital gains tax. Always check community-of-owners (comunidad) debts and outstanding IBI before completion — they transfer with the property.
General guidance only — confirm specifics with a qualified local lawyer or tax adviser. Reference
