AtalayaAtalaya

Calle Sant Jaume

Salt, Girona • Apartment • Ref: #0A11D596

€50,000-47% vs area market
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Size

54 m²

Price / m²

€926

Rooms

3

OccupancyOccupied · no titleDeduced by AI
60
Calle Sant Jaume — Salt
Photo: Solvia
1 / 24

AI visual analysis

Automated analysis · physical condition

24 of 24 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: El edificio presenta una fachada con un acabado de cemento o similar, con algunas manchas y signos de desgaste.
  • •Exterior: Las ventanas del edificio parecen antiguas, con persianas enrollables que muestran signos de uso.
  • •Exterior: La calle y los alrededores del edificio se ven limpios y ordenados, con árboles y coches aparcados.

descriptionDescription

Piso de 54 m² en venta, situado en la localidad de Salt, provincia de Girona. Construido en 1962, esta vivienda cuenta con una superficie de 54 m² y se distribuye en salón-comedor, cocina, 3 dormitorios y 1 baño. Bien comunicada, este piso está próximo a varias paradas de autobús con las líneas 602, 650 y L3 y por carretera, a través de los accesos viarios GI-535 y A-2. La zona dispone de equipamiento variado, centro de salud, el Hospital de Santa Caterina, restaurantes, farmacia, supermercados, etc. Con nuestros servicios podrá encontrar la vivienda que necesita. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

1

Elevator

No

Year built

1962

Pool

No

Air conditioning

No

Heating

No

Garden

No

Energy rating

E

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
2971808DG8427B0005FO
Cadastral area
52 m²
Year built
1962
Cadastral use
Residential

routeHow to buy this asset from the bank

expand_more
  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 930 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.

gavelCatalonia specifics

In Catalonia the Generalitat holds first-refusal rights (tanteo y retracto) over transfers of homes originating from foreclosure (DL 1/2015): it can extend timelines. The cédula d'habitabilitat is mandatory for utilities and usually required for a mortgage. Also check for social-housing (VPO) status.

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

Alpha Rating

BUY

60/100

Confidence: High

Score breakdown

Zone delta
25/30
Possession
2/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
12/15

Vivienda de 54.00m² en Salt a 926€/m² (mediana zona 1747€/m², delta -47.0%). Estado Mejorable. Posesión con ocupación irregular. Zona baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -47.0% frente a la mediana zonal (1747€/m²)

warningRisks

  • −IA detectó: El activo se encuentra ocupado por persona sin justo título.
  • −927 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

Salt, Girona

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

-47.0%Strong opportunity
Scope
Municipality
Zone median
€1,747 /m²
This asset
€926 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-5.9%In line
Scope
Postal code
Zone median
€984 /m²
This asset
€926 /m²
Samples
19
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€50,000
Transfer tax (ITP) 10% — Cataluña€5,000
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€56,300
Estimated refurbishment (state: mejorable)€21,500 – €38,000

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
9 Aug 2026
€71,000arrow_forward€50,000-29.58%

Listing intel

SourceSolvia
On the market sinceFeb 2024 (930 days)
On Atalaya since15 Apr 2026
Last updated29 Aug 2026

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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