AtalayaAtalaya

Meliton Cortiñas

Viveiro, Lugo • Apartment • Ref: #15C781C3

€55,000
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Size

147 m²

Price / m²

€374

Rooms

3

OccupancyUnconfirmed
22
Meliton Cortiñas — Viveiro
Photo: Altamira
1 / 10

AI visual analysis

Automated analysis · physical condition

10 of 10 photos analyzed

Physical condition

Derelict

Photo quality

Good

Model observations

  • •La fachada presenta un estado de deterioro muy avanzado, con ventanas tapiadas y elementos estructurales expuestos en los pisos superiores.
  • •El edificio parece estar en un estado de abandono, con la parte superior de la fachada desprendida y sin techo visible en algunas zonas.
  • •La planta baja, que parece ser un local comercial, también muestra signos de abandono y suciedad.

descriptionDescription

Piso en Meliton Cortiñas, Viveiro, Lugo. Superficie: 147 m², 3 habitaciones, 1 baños.

Characteristics

Bathrooms

1

Elevator

No

Terrace

No

Parking

No

Year built

1880

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

gavelLegal & cadastral analysis

expand_more

assignmentCadastral datahelpUnverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

straightenUnreconciled surface: the listing states 147 m² but the cadastre records 872 m² (+493%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
3354804PJ1335S
Cadastral area
872 m²
Year built
1880
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.

handshakeThis asset has been listed for 1091 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

22/100

Confidence: Low

Score breakdown

Zone delta
8/30
Possession
Not assessable
—
Physical state
0/25
Legal liens
10/15
Zone liquidity
1/15

Vivienda de 147.00m² en Viveiro a 374€/m² (mediana zona 1082€/m², delta -65.4%). En Ruina. Posesión desconocida. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -65.4% frente a la mediana zonal (1082€/m²)

warningRisks

  • −1090 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

Viveiro, 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

-65.4%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,082 /m²
This asset
€374 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€55,000
Transfer tax (ITP) 9% — Galicia€4,950
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€61,250
Estimated refurbishment (state: ruina)€132,500 – €206,000

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.
30 Apr 2026
€57,000arrow_forward€55,000-3.51%

Listing intel

SourceAltamira
On the market sinceSept 2023 (1091 days)
On Atalaya since11 Apr 2026
Last updated31 Aug 2026

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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