🇪🇸 Spain · Property Risk Intelligence

Property Risk Analysis
Madrid

Madrid is Europe's fastest-growing capital market — center prices surged to €5,800/m² in 2025 with +12% YoY growth. Low seismic risk but STR regulations tightening. Catastro Referencia Catastral (RC) verified for every property. Golden Visa suspended March 2025.

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✓ LOW Seismic Risk — Zone C NCSE-02 ⚠ Golden Visa Suspended March 2025
€5,800
Avg €/m² Madrid center (2025)
+12%
Price growth YoY
3.5–6%
Gross rental yield

Madrid Property Intelligence

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Catastro RC Integration
Automatic Referencia Catastral lookup for any Madrid address. Returns parcel area, building year, use type and land classification from Spain's official Catastro API.
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Seismic Risk — Zone C (Low)
Madrid sits on stable Iberian Meseta granite. NCSE-02 Zone C (PGA 0.08g). No seismic design requirements for most buildings. Contrast with Andalucía (Zone A, PGA 0.24g).
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Flood Zone Analysis
Manzanares river and Jarama basin flood data. 2018 flood directive mapping. Vallecas, Arganzuela near river — check per address. Copernicus EFAS integration.
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AI Investment Grade
Claude AI assigns A–F grade based on seismic zone, flood risk, neighborhood quality, price momentum and STR rental regulations for each Madrid district.
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Heritage & Legal Checks
IPCE (Instituto del Patrimonio Cultural de España) heritage status. Building permit compliance. STR license requirements — Madrid has strict 90-day annual limits in center.
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Neighbourhood Analysis
Price/m² by district, LTR/STR yield, walkability, transport score. AI-driven comparison across Salamanca, Chamberí, Lavapiés, Vallecas and 15 more districts.

Madrid Districts — Price Guide 2025

Salamanca
€7,200/m²
Yield: 3.2% · Premium
Chamberí
€6,800/m²
Yield: 3.5% · Strong
Retiro
€6,500/m²
Yield: 3.8% · Good
Centro / Sol
€5,900/m²
Yield: 4.2% · STR premium
Arganzuela
€4,800/m²
Yield: 4.8% · Growing
Vallecas
€3,200/m²
Yield: 6.2% · Value

Frequently Asked Questions

Is the Spain Golden Visa still available for Madrid property?
The Spain Golden Visa for real estate investment was suspended on April 3, 2025. The €500,000 property route is no longer active. Alternative routes via government bonds (€2M), business investment (€1M), or R&D projects remain. Portugal and Greece remain active Golden Visa options.
What is Referencia Catastral and how does RiskAI X use it?
Referencia Catastral (RC) is Spain's official parcel identifier — 20 characters linking each property to the Catastro database (Sede Electrónica del Catastro). RiskAI X automatically queries the public Catastro REST API to retrieve year of construction, surface area, land use classification and building type for any Spanish address.
What are the seismic risks in Madrid?
Madrid has very low seismic risk — Zone C under Spain's NCSE-02 building code, with PGA of 0.08g. The city sits on the stable Iberian granite meseta. This contrasts sharply with high-risk zones in Andalucía SE (Almería, Granada, Lorca) where PGA reaches 0.24g. Seismic risk is NOT a primary concern for Madrid property investment.
Are there STR (Airbnb) restrictions in Madrid?
Yes — Madrid requires a tourist use license (Vivienda de Uso Turístico) for STR properties. The Community of Madrid sets neighborhood-level caps and annual day limits (typically 90 days/year in restricted zones). As of 2025, central districts have the strictest controls. Always verify license availability before purchasing for STR purposes.