AtalayaAtalaya

Blque Panama, s/n

Sant Pere I Sant Pau, Tarragona • Apartment • Ref: #20737122

€148,000
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Size

77 m²

Price / m²

€1,922

Rooms

3

OccupancyOccupied · no title
26
Blque Panama, s/n — Sant Pere I Sant Pau, Tarragona
Photo: holapisos
1 / 36

AI visual analysis

Automated analysis · physical condition

36 of 36 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Piso en Tarragona, idóneo para familias. El inmueble consta de 77 m² construidos distribuidos en tres habitaciones, salón-comedor, cocina y un aseo. Localizado en el centro de Tarragona al lado de Primark, en sus alrededores encontramos el Hospital Universitari de Tarragona Joan XXIII, la Universitat Rovira I Virgili, supermercados, bancos, bibliotecas, farmacias, oficinas de correos, centros deportivos y varias paradas de autobús. Cuenta con fácil acceso a Autovía del Mediterráneo. Este inmueble es una Vivienda de Protección Oficial. El comprador o inquilino ha de destinar la vivienda de VPO a residencia habitual y permanente, cumpliendo los requisitos que se establezcan para este tipo de viviendas.

Characteristics

Bathrooms

1

Floor

2

Elevator

No

Terrace

No

Parking

No

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

En tr

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 1400 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

AVOID

26/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
2/20
Physical state
Not assessable
—
Legal liens
10/15
Zone liquidity
5/15

Vivienda de 77.00m² en Tarragona a 1922€/m² (mediana zona 1933€/m², delta -0.6%). Estado Pendiente De Análisis Visual. Posesión con ocupación irregular. Zona media, más de 2 años sin vender.

warningRisks

  • −Aliseda marca la vivienda como ocupada sin título legal
  • −1399 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

Sant Pere I Sant Pau, Tarragona, Tarragona

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

-0.6%In line
Scope
District
Zone median
€1,933 /m²
This asset
€1,922 /m²
Period
abril 2026
Source
Idealista

account_balancevs other bank assets

+26.7%Above anchor
Scope
Postal code
Zone median
€1,517 /m²
This asset
€1,922 /m²
Samples
6
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€148,000
Transfer tax (ITP) 10% — Cataluña€14,800
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€518
Estimated total investment€164,318

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

SourceAliseda
On the market sinceNov 2022 (1400 days)
On Atalaya since11 Apr 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer holapisos. 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