AtalayaAtalaya

Galicia ,, 39

Lugo • Duplex • Ref: #13823847

€450,000
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Size

200 m²

Price / m²

€2,250

OccupancyUnconfirmed
35
Galicia ,, 39 — Lugo
Photo: Altamira
1 / 20

AI visual analysis

Automated analysis · physical condition

20 of 20 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •El salón y el comedor presentan un buen estado general, con suelos de madera bien conservados y mobiliario cuidado.
  • •Los dormitorios también muestran un buen mantenimiento, con armarios empotrados y suelos de madera.
  • •Las ventanas y puertas parecen estar en buen estado, sin signos de deterioro.

descriptionDescription

Duplex en GALICIA , 39, Lugo, Lugo. Superficie: 200 m², 0 habitaciones, 0 baños.

Characteristics

Elevator

No

Terrace

No

Parking

No

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

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 307 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

AVOID

35/100

Confidence: Low

Score breakdown

Zone delta
0/30
Possession
Not assessable
—
Physical state
20/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 200.00m² en Lugo a 2250€/m² (mediana zona 1270€/m², delta +77.1%). Buen Estado. Posesión desconocida. Zona muy_baja, 306 días en mercado.

trending_upStrengths

  • +Estado habitable sin reforma inmediata

warningRisks

  • −Precio +77.1% por encima de mediana zonal

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

Lugo, 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.

publicvs free market

+77.1%Above anchor
Scope
Municipality (MITMA)
Zone median
€1,270 /m²
This asset
€2,250 /m²
Samples
269
Period
Q4-2025
Source
MITMA

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€450,000
Transfer tax (ITP) 9% — Galicia€40,500
Notary (est.)€675
Land Registry (est.)€450
Admin agency (est.)€1,575
Estimated total investment€493,200

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

SourceAltamira
On the market sinceOct 2025 (307 days)
On Atalaya since11 Apr 2026
Last updated31 Aug 2026

Aggregated data from public sources and servicer Altamira. 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