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Cm Logroño

Estella/lizarra, NavarraApartmentRef: #274DEA02

€129,000-37% vs area market
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Size

106 m²

Price / m²

€1,222

Rooms

4

OccupancyVacant
73
Cm Logroño — Estella/lizarra
Photo: Solvia
1 / 23

AI visual analysis

Automated analysis · physical condition

23 of 23 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Piso de 106 m² ubicado en Estella/Lizarra, Navarra. Se trata de un piso de 106 m² distribuidos en salón-comedor, cocina, 4 dormitorios y 1 baño. El piso se sitúa en el núcleo urbano de Estella/Lizarra, con excelentes accesos a través de la carretera NA-1110 y la autovía A-12, que conecta directamente con Pamplona y Logroño. En cuanto a comunicaciones públicas, la localidad cuenta con servicio de autobuses interurbanos que facilitan el desplazamiento hacia otras localidades cercanas y principales ciudades de la región. En Estella/Lizarra podemos encontrar una amplia variedad de servicios como supermercados, restaurantes, instalaciones deportivas, centros educativos, oficinas bancarias y diversos negocios comerciales. Además, la localidad destaca por su riqueza cultural y patrimonial, siendo conocida como " La Toledo del Norte" por su historia y arquitectura. Entre los puntos de interés cercanos se encuentran el Museo Gustavo de Maeztu, la Basílica del Puy y el Parque de Los Llanos, ideales para disfrutar de actividades al aire libre y paseos. También cuenta con centros de salud y hospitales que garantizan una atención sanitaria de calidad. 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.

Characteristics

Bathrooms

1

Elevator

No

Pool

No

Air conditioning

No

Heating

No

Energy rating

F

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
310000000001800902FI

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 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

73/100

Confidence: High

Score breakdown

Zone delta
25/30
Possession
20/20
Physical state
Not assessable
Legal liens
10/15
Zone liquidity
3/15

Vivienda de 105.56m² en Estella/lizarra a 1222€/m² (mediana zona 1932€/m², delta -36.7%). Estado Pendiente De Análisis Visual. Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -36.7% frente a la mediana zonal (1932€/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

Estella/lizarra, Navarra

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

-36.7%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,932 /m²
This asset
€1,222 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

+178.4%Above anchor
Scope
Province (MITMA)
Zone median
€439 /m²
This asset
€1,222 /m²
Samples
93
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€129,000
Transfer tax (ITP) 6% — Navarra€7,740
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€452
Estimated total investment€138,192

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.
25 Jul 2026
€139,000arrow_forward€129,000-7.19%

Listing intel

SourceSolvia
On the market sinceFeb 2024 (919 days)
On Atalaya since20 May 2026
Last updated31 Aug 2026

compare_arrowsZone comparables

Top 5 similar properties in Estella/lizarra by AI score

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