Spacious Three-Bedroom Apartment in Puigcerdà
€480,000€3,529/m²
La Cerdanya, La Cerdanya, Spain
3
bedrooms
3
bathrooms
136 m²
interior
Apartment
property type
29 May 2026
listed
The Habio take
AI summaryThis generous three-bedroom ground floor apartment features two suites, offering both comfort and privacy. Nestled in the vibrant centre of Puigcerdà, La Cerdanya, it places you within reach of both the stunning mountain scenery and local amenities.
- mountains
- family
- retirement
- investment
- quiet
Highlights
- Three spacious bedrooms with two en-suite bathrooms
- Prime location in the heart of Puigcerdà
- Hemmed by picturesque mountain views
- Well-suited for families or as a holiday home
- Proximity to outdoor activities and nature
Worth knowing
- Ground floor location may lack views
- Potential noise from nearby amenities
Good fit for: Ideal for families or those seeking a relaxed lifestyle in the mountains.
Lifestyle scores
- Beach
- 0
- Walkable
- 80
- Remote work
- 60
- Family
- 80
- Retirement
- 75
- Airport access
- 50
- Investment
- 70
- Luxury
- 65
- Value
- 75
About this place
Spacious 3-bedroom ground floor with two suites in the centre of 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
