AtalayaAtalaya

Ribas Altas (de)

Monforte de Lemos, Lugo • Land • Ref: #06F82B83

€46,000
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Size

411 m²

Price / m²

€112

OccupancyVacant
63
Ribas Altas (de) — Monforte de Lemos
Photo: Solvia
1 / 5

AI visual analysis

Automated analysis · physical condition

5 of 5 photos analyzed

Physical condition

sin_aplicar_no_residencial

Photo quality

unknown

descriptionDescription

Suelo No Urbanizable en Monforte De Lemos, provincia de Lugo, con una superficie de 411 m². El % de propiedad que se posee en la finca registral es del 100 %. Tanto en Registro como en Catastro se describe una vivienda que ha sido derribada, actualmente no hay edificaciones sobre el terreno. Según consta en el Planeamiento Urbanístico en vigor, Normas Subsidiarias con aprobación definitiva de 01/10/1985, el terreno se encuentra clasificado como Suelo No Urbanizable de Aldeas, asimilable a Suelo de Núcleo Rural según la ley 9/2002 de Ordenación Urbanística y Protección del Medio Rural de Galicia. Según consta en la normativa, los parámetros urbanísticos son los siguientes: Edificación aislada, edificabilidad máxima 0.50 m²/m²; Parcela mínima a efectos de segregación 300 m2. Se estima para la parcela una edificabilidad de 205,5 m² y 1 unidad edificar.

Characteristics

Elevator

No

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

gavelLegal & cadastral analysis

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assignmentCadastral data

Cadastral ref.
Q01401700PH21C0001WZ
Cadastral use
Urbanization works · undeveloped land

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.

handshakeThis asset has been listed for 913 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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

BUY

63/100

Confidence: High

Score breakdown

Zone delta
Not assessable
—
Possession
20/20
Zoning
15/25
Legal liens
10/15
Zone liquidity
0/15

Suelo urbanizable (uso unknown) de 411.00m² en Monforte de Lemos a 112€/m² (mediana zona 70€/m², delta %). Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −912 días en mercado sin venderse

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

Monforte de Lemos, Lugo

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.

vs free market

No reference available for this area and asset type.

account_balancevs other bank assets

-15.8%Good price
Scope
Province (MITMA)
Zone median
€133 /m²
This asset
€112 /m²
Samples
33
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€46,000
Transfer tax (ITP) 9% — Galicia€4,140
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€51,440

Indicative estimate for a resale purchase at the general ITP rate. Auctions, new builds or reduced rates are taxed differently. The refurbishment figure is an indicative band based on the AI-detected condition. Verify with your advisor.

Listing intel

SourceSolvia
On the market sinceMar 2024 (913 days)
On Atalaya since11 May 2026
Last updated31 Aug 2026

Aggregated data from public sources and servicer Solvia. 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