AtalayaAtalaya

Calle Carmen

Alberca de Záncara (la), Cuenca • House • Ref: #0AD4459B

€45,000-65% vs area market
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Size

141 m²

Price / m²

€319

Rooms

3

OccupancyVacant
72
Calle Carmen — Alberca de Záncara (la)
Photo: Solvia
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AI visual analysis

Automated analysis · physical condition

16 of 16 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta desconchones y un aspecto descuidado, con cables a la vista.
  • •Interior: Varias estancias interiores muestran paredes de ladrillo visto y sin revestir, indicando una obra en curso o sin finalizar.
  • •Dormitorios: Los dormitorios tienen paredes con pintura deteriorada y humedades, así como suelos antiguos.
  • •Baño: El baño está incompleto, con sanitarios antiguos y sin grifería.

descriptionDescription

Vivienda unifamiliar de una altura que consta de tres dormitorios y un baño situada en la localidad de La Alberca de Záncara, provincia de Cuenca. La vivienda, construida en 1953, se distribuye en hall, salón-comedor, tres dormitorios, baño, cocina, terraza cubierta y patio y, necesita ser remodelada en su totalidad, ya que no se encuentra en buen estado de conservación. Cuenta con fácil acceso por las carreteras CM-3009 y N-301 y se encuentra a apenas un minuto andando del Ayuntamiento. En los alrededores de la vivienda podemos encontrar farmacia, supermercados, bancos, bares y restaurantes, oficina de correos, la piscina pública La Alberca de Záncara y la plaza de toros. A 15 km se encuentra el Hospital Sergama. Con nuestros servicios podrá encontrar la vivienda que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

1

Elevator

No

Year built

1953

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

gavelLegal & cadastral analysis

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assignmentCadastral data

Cadastral ref.
3939602WJ4733N0001XX
Cadastral area
141 m²
Year built
1953
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 919 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

72/100

Confidence: High

Score breakdown

Zone delta
30/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
9/15

Vivienda de 141.00m² en Alberca de Záncara (la) a 319€/m² (mediana zona 911€/m², delta -65.0%). Requiere Reforma Integral. Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -65.0% frente a la mediana zonal (911€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −917 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

Alberca de Záncara (la), Cuenca

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

-65.0%Strong opportunity
Scope
Province (MITMA)
Zone median
€911 /m²
This asset
€319 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

+3.2%In line
Scope
Province (MITMA)
Zone median
€309 /m²
This asset
€319 /m²
Samples
75
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€45,000
Transfer tax (ITP) 9% — Castilla-La Mancha€4,050
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€50,350

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 sinceFeb 2024 (919 days)
On Atalaya since1 Aug 2026
Last updated31 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