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Casa San Roque de Rio Miera

San Roque de Rio Miera, Cantabria • House • Ref: #03326952

Price on request
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Size

201 m²

Rooms

4

OccupancyUnconfirmed
35
Casa San Roque de Rio Miera — San Roque de Rio Miera
Photo: Unicaja Inmuebles

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: La fachada de piedra presenta un aspecto descuidado y sucio, con algunas ventanas rotas o sin cristal.
  • •Exterior: El entorno de la propiedad está cubierto de vegetación, lo que sugiere abandono y falta de mantenimiento.
  • •Fachada: Las ventanas y puertas parecen antiguas y en mal estado, algunas con marcos deteriorados.

descriptionDescription

Casa en la provincia de Cantabria, en el municipio de Morilla, en la calle BOVEGAS.

routeHow to buy this asset from the bank

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  1. 1Contact the servicer from the official listing (or from Atalaya) and ask for availability and a viewing.
  2. 2Visit the property and verify real condition, possession and access. Ask for the habitability certificate and the energy certificate.
  3. 3Request a nota simple from the Land Registry (~€10) and the community-debt certificate.
  4. 4Submit your offer in writing. Servicers take it to committee: expect days to weeks. Offering below asking is standard practice.
  5. 5Once accepted: deposit contract (require 'free of occupants and belongings'), financing and deed before a notary.

checklistMinimum due diligence before offering

  • check_box_outline_blankRegistry nota simple: ownership, charges, liens (registradores.org, ~€10).
  • check_box_outline_blankCommunity-debt certificate and approved special levies.
  • check_box_outline_blankIBI and waste tax: outstanding bills at the town hall.
  • check_box_outline_blankOn-site possession check: is it really vacant? Are water/power supplies active?
  • check_box_outline_blankHabitability certificate and licences (essential for mortgage and utilities).

warningDebts that transfer with the property

Community debt for the current year plus the previous 3 follows the property (art. 9.1.e LPH), as do unexpired IBI and approved levies. Always request the certificates before signing: it's the classic €3,000-10,000 surprise in bank purchases.

account_balanceFinancing

Many servicers finance their own stock at aggressive terms (high LTV) through the parent bank — ask on first contact. Note: a property without a functional kitchen or bathroom may not be mortgageable as-is, and the appraisal can come in below price on heavily distressed assets.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

AVOID

35/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Physical state
7/25
Legal liens
7/15
Zone liquidity
Not assessable
—

Vivienda de 201.00m² en San Roque de Rio Miera a ?€/m² (mediana zona 2154€/m², delta %). Requiere Reforma Integral. Posesión desconocida. Zona muy_baja, 113 días en mercado.

Case file

Operation pipeline

You are not pursuing this asset yet

Start a case when you want to turn an opportunity into a real operation: contact, visit, documents, due diligence and offer.

location_on

Location

San Roque de Rio Miera, Cantabria
map

Coordinates unavailable

analyticsPrice analysis

Two anchors: real free-market (Idealista / MITMA) and the median of other bank-owned assets in the same area. The first tells you whether REO is worth entering at all; the second, which REO listing is the best deal.

publicvs free market

—
Scope
Province (MITMA)
Zone median
€2,154 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

—
Scope
Province (MITMA)
Zone median
€1,129 /m²
Samples
132
Source
Atalaya (bank inventory)

Listing intel

SourceUnicaja
On Atalaya since9 May 2026
Last updated31 Aug 2026

Aggregated data from public sources and servicer Unicaja Inmuebles. Atalaya is an informational analytics platform; we are not a real estate agent and do not intermediate in transactions. To act on an offer, contact the original source directly. View original listing