AtalayaAtalaya

Calle San José

La Ñora, Murcia • Apartment • Ref: #110F7229

€84,000
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Size

46 m²

Price / m²

€1,835

Rooms

2

OccupancyOccupied · type to verify
38
Calle San José — La Ñora
Photo: Solvia
1 / 9

AI visual analysis

Automated analysis · physical condition

9 of 9 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •La cocina presenta muebles modernos pero le faltan electrodomésticos y el fregadero está sin instalar.
  • •El salón tiene las paredes con marcas y el suelo de baldosas muestra desgaste.
  • •La fachada del edificio se ve en buen estado general, con persianas y balcones.
  • •Los dormitorios tienen armarios empotrados y suelos de baldosas, pero las paredes necesitan pintura.

descriptionDescription

Piso de 46 m² ubicado en La Ñora, Murcia. Se trata de un piso de 46 m² distribuidos en salón-comedor, cocina, 2 dormitorios y 1 baño. El piso se sitúa en el núcleo urbano de la pedanía de La Ñora, con acceso por la A-7 y la N-344. La zona dispone de transporte público mediante líneas de autobús interurbano que comunican con Murcia y pedanías próximas. En el entorno pueden encontrarse supermercados, restaurantes, centros educativos, instalaciones deportivas, oficinas bancarias y otros comercios. Cerca del inmueble se localizan la Universidad Católica San Antonio de Murcia (UCAM) y el Monasterio de Los Jerónimos, y a pocos minutos se encuentran centros de salud, el Hospital Clínico Universitario Virgen de la Arrixaca y superficies comerciales del entorno. Con nuestros servicios podrá encontrar el piso 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. [Aviso legal] El inmueble se encuentra gravado con una o varias cargas, la/s cual/es se encuentra/n pendiente/s de su cancelación. Consultar su situación actual, así como, sus posibles limitaciones y la asunción de su cancelación. Se recomienda que el comprador obtenga asesoramiento profesional y legal antes de adoptar la decisión de compra.

Characteristics

Bathrooms

1

Elevator

No

Year built

2006

Pool

No

Air conditioning

No

Heating

No

Garden

No

Energy rating

G

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 45.77 m² but the cadastre records 60 m² (+31%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
8467012XH5086N0005SA
Cadastral area
60 m²
Year built
2006
Cadastral use
Residential

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

38/100

Confidence: Low

Score breakdown

Zone delta
1/30
Possession
10/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
5/15

Vivienda de 45.77m² en La Ñora a 1835€/m² (mediana zona 1747€/m², delta +5.0%). Estado Mejorable. Posesión con ocupación a verificar. Zona muy_baja, 107 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

La Ñora, Murcia

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

+5.0%In line
Scope
Province (MITMA)
Zone median
€1,747 /m²
This asset
€1,835 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

+164.4%Above anchor
Scope
Province (MITMA)
Zone median
€694 /m²
This asset
€1,835 /m²
Samples
1157
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€84,000
Transfer tax (ITP) 8% — Murcia€6,720
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€92,020
Estimated refurbishment (state: mejorable)€18,500 – €32,000

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.

Listing intel

SourceSolvia
On the market sinceMay 2026 (111 days)
On Atalaya since26 Aug 2026
Last updated28 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