For a specific case (a house in a gated complex, an undeclared extension) consult a lawyer.
Two different ownership regimes
The apartment is governed by the Ley de Propiedad Horizontal (condominium law; Gaceta Oficial No. 3.241 Extraordinario, August 18, 1983), which is still in force. The law calls an apartment the part of a building capable of independent use (art. 1). You own your apartment and co-own the common elements: the land on which the construction permit was based, the structure, the roofs, the stairs and the elevators, among others (art. 5).
Your weight in the community is a percentage of the total value of the building, set in the documento de condominio (condominium deed) (arts. 7 and 26), which changes only by unanimous agreement (art. 7).
The house falls outside that regime: the owner owns the land and what is built on it, within the boundaries of their title. The Ley de Propiedad Horizontal does not mention houses; if the house is in a complex with common areas, check in the title and at the Registro (public registry) which document or regulation binds it.
Comparison table: house or apartment
| Aspect | House | Apartment | Rule |
|---|---|---|---|
| Regime | Ownership of the land and the building | Apartment plus a percentage of the common elements | Ley de Propiedad Horizontal (LPH), arts. 1, 5 and 7 |
| Cuota de condominio (condominium fee) | The LPH does not impose one | Common expenses by your percentage; the debt follows the apartment | LPH, arts. 11 to 13 |
| Municipal tax | On the value of the property | Same | Ley Orgánica del Poder Público Municipal (Municipal Public Power Law), arts. 174 to 176 |
| Works inside the unit | Construction or renovation: written notice to the alcaldía (city hall) | Prior notice to the administrator; without touching safety, structure or exterior | LPH, art. 4; Ley Orgánica de Ordenación Urbanística (LOOU, the urban planning law), art. 84 |
| Extensions | Notice to the alcaldía, which verifies the variables urbanas (core zoning rules) | Improvements to common elements: 75% of the owners. New floors or excavations: unanimity and a permit | LPH, arts. 9 and 10; LOOU, arts. 84 and 85 |
| Parking | On your land | At least one assigned space, which can only be sold with the apartment | LPH, art. 5, literal i |
| Checks before buying | Boundaries, survey and easements | Documento de condominio and condominium debts | Código Civil (Civil Code), arts. 709 and 720; LPH, arts. 13 and 26 |
| Insurance | The owner decides | The LPH does not require it; the owners decide on reconstruction | LPH, arts. 16 and 17 |
| Occupancy | When a work is finished, the alcaldía's constancia de recepción (acknowledgment of receipt) | Cannot be sold without the permisos de habitabilidad (occupancy permits) | LOOU, art. 95; LPH, art. 32 |
Recurring costs: condominium fee and municipal tax
Cuota de condominio (apartments only). Common expenses are those for the administration, upkeep, repair or replacement of the common elements, those agreed by at least 75% of the owners and those declared as such by the law or the documento de condominio (art. 11). Each owner contributes in proportion to their percentage (art. 12). The debt follows the apartment, even for expenses from before the purchase (art. 13). In a house there is no fee under this law, but what is shared in a building (roof, structure, tanks, pumps) is paid by the owner alone.
Impuesto sobre Inmuebles Urbanos, the urban property tax (house and apartment). It is paid by the owner or the holder of another real right (Ley Orgánica del Poder Público Municipal, art. 174). The base is the value of the property, calculated from the cadastral value with the market price as a reference and as a ceiling (art. 175). The law considers both the land and the buildings urban (art. 176). Since 2023, the Ley Orgánica de Coordinación y Armonización de las Potestades Tributarias de los Estados y Municipios (state and municipal tax harmonization law) takes cadastral appraisals as the base, by zone and type of construction (art. 36), and the finance ministry sets the table of values and the rate caps every year (art. 37). Each ordinance sets its rate within those caps (see our guide to the Impuesto sobre Inmuebles Urbanos). Without the solvencia (tax clearance) for this tax, the Registro does not record the sale (Ley de Registros y Notarías, the Registries and Notaries Law, art. 97).
Works, extensions and parking
In an apartment there are three levels of works:
In a house there is no assembly, but there is municipal control. The LOOU requires written notice to the municipality of the intention to start the work, with the project and the documents it lists (art. 84). For buildings, the municipality has 30 calendar days to verify only that the project complies with the variables urbanas fundamentales (art. 85). Steps and penalties: construction or extension permit.
Parking. In a building, the documento de condominio must assign at least one space to each apartment, which can only be sold or mortgaged together with it. Surplus spaces are sold preferably to owners; to third parties, only with the vote of 75% of the owners (LPH, art. 5, literal i).
What to check before buying each one
House: boundaries, survey and easements
Apartment: documento de condominio and debts
Insurance and occupancy
Insurance. The Ley de Propiedad Horizontal does not mention insurance or require insuring the building or the apartment. It does regulate destruction: if it reaches at least three quarters of the building's value, any owner can request the division of the common elements (art. 16); if it is smaller, the owners decide whether to rebuild and, if they agree to, the cost is a common expense (art. 17). For a house, insuring it is the owner's decision.
Occupancy. No title to an apartment can be recorded without complying with the formalities of the approved plans and the documento de condominio, and "no podrá enajenarse ningún apartamento sin haber obtenido previamente los permisos de habitabilidad" (no apartment may be transferred without first obtaining the occupancy permits) (LPH, art. 32). For primary sales of apartments, the LOOU requires the constancia de recepción of the completed work, which replaces the permiso de habitabilidad (arts. 95 and 97).
If you buy from a builder or developer, house or apartment, the Ley de Promoción y Protección de la Construcción de Viviendas (Housing Construction Promotion and Protection Law; Gaceta Oficial No. 7.071 Extraordinario, August 25, 2026) requires the final inspection by Bomberos (the fire department) for the alcaldía to grant the permiso de habitabilidad (art. 33), and it classifies selling or recording homes without it as a very serious infraction (art. 39, num. 6).