AtalayaAtalaya

Calle Esperança, s/n

Centro de Premià de Mar, Premià de Mar, Barcelona • Apartment • Ref: #2C5D7955

€295,450-20% vs area market
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Size

120 m²

Price / m²

€2,462

Rooms

4

OccupancyOccupied · no title
55
Calle Esperança, s/n — Centro de Premià de Mar, Premià de Mar
Photo: holapisos
1 / 25

AI visual analysis

Automated analysis · physical condition

25 of 25 photos analyzed

Physical condition

Good

Photo quality

Good

descriptionDescription

Amplio piso en Premia de Mar, Barcelona, idóneo para familias. La vivienda consta de 119 m² construidos distribuidos en 4 habitaciones, salón-comedor con acceso al balcón, cocina con acceso al lavadero además de 1 aseo y 1 baño completo. El inmueble tiene mucha luz natural y suelos de parquet. El inmueble se encuentra en la 3a planta del edificio, sin ascensor. Situado en el centro de Premia de Mar y cerca de la Platja de Bellamar, en sus alrededores encontramos supermercados, bancos, bibliotecas, farmacias, oficinas de correos, centros deportivos y la estación de tren Premià de Mar. Con fácil acceso a Autopista del Maresme.

Characteristics

Bathrooms

2

Floor

3

Elevator

No

Terrace

No

Parking

No

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

E

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 1082 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

BUY

55/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
2/20
Physical state
20/25
Legal liens
10/15
Zone liquidity
7/15

Vivienda de 120.00m² en Premià de Mar a 2462€/m² (mediana zona 3088€/m², delta -20.3%). Buen Estado. Posesión con ocupación irregular. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -20.3% frente a la mediana zonal (3088€/m²)
  • +Estado habitable sin reforma inmediata

warningRisks

  • −Aliseda marca la vivienda como ocupada sin título legal
  • −1081 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

Centro de Premià de Mar, Premià de Mar, Barcelona

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

-20.3%Good price
Scope
Municipality
Zone median
€3,088 /m²
This asset
€2,462 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+40.8%Above anchor
Scope
Postal code
Zone median
€1,748 /m²
This asset
€2,462 /m²
Samples
7
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€295,450
Transfer tax (ITP) 10% — Cataluña€29,545
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€1,034
Estimated total investment€327,029

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 sinceSept 2023 (1082 days)
On Atalaya since21 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