Charming Four-Bedroom Townhouse with Mountain Views in La Cerdanya
€495,000€4,125/m²
La Cerdanya, La Cerdanya, Spain
4
bedrooms
3
bathrooms
120 m²
interior
House
property type
29 May 2026
listed
The Habio take
AI summaryThis delightful four-bedroom townhouse in Vilar d'Urtx features a spacious living room with a fireplace and a terrace overlooking the stunning Cadí mountain range. Located in the picturesque La Cerdanya region of Spain, it offers a peaceful retreat amidst natural beauty.
- mountains
- family
- quiet
- garden
Highlights
- 4 spacious bedrooms
- 3 bathrooms for convenience
- Living room with a fireplace
- Terrace with Cadí mountain views
- Access to a 5,300 m² communal garden
Worth knowing
- Limited local amenities in immediate vicinity
- Potentially slower internet connectivity
Good fit for: Ideal for families or those seeking a tranquil mountain getaway.
Lifestyle scores
- Beach
- 0
- Walkable
- 50
- Remote work
- 55
- Family
- 80
- Retirement
- 75
- Airport access
- 65
- Investment
- 70
- Luxury
- 60
- Value
- 75
About this place
Charming townhouse in Vilar d'Urtx with a 5,300 m² communal garden , living room with fireplace, terrace with views of the Cadí mountain range, 4 bedrooms and 3 bathrooms.
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
