AtalayaAtalaya

Calle De Sant Joaquim

Sant Carles de la Ràpita, Tarragona • Apartment • Ref: #3660ED96

€115,600-19% vs area market
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Size

67 m²

Price / m²

€1,722

Rooms

2

OccupancyVacant
58
Calle De Sant Joaquim — Sant Carles de la Ràpita
Photo: Solvia
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AI visual analysis

Automated analysis · physical condition

23 of 23 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •La fachada del edificio presenta un aspecto envejecido con suciedad y algunas manchas.
  • •El salón y el dormitorio tienen suelos de terrazo y paredes con pintura desgastada, lo que sugiere una decoración anticuada.
  • •Las puertas y ventanas de madera, junto con las persianas, muestran signos de uso y antigüedad.
  • •No se aprecian daños estructurales graves, pero la propiedad necesita una actualización estética.

descriptionDescription

Piso de 67 m² ubicado en Sant Carles de la Ràpita, Tarragona. Se trata de un piso de 67 m² distribuidos en salón-comedor, cocina, 2 dormitorios y 1 baño. El piso se sitúa en el núcleo urbano de la localidad, con accesos por la AP-7 y la N-340. Dispone de comunicaciones públicas mediante líneas de autobús urbano e interurbano. En la zona se pueden encontrar servicios como supermercados, restauración, centros educativos, instalaciones deportivas, centro de salud, oficinas bancarias y otros comercios. A pocos minutos del puerto de Sant Carles de la Ràpita y de las playas del municipio. 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

Year built

1976

Energy rating

E

gavelLegal & cadastral analysis

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assignmentCadastral data

straightenUnreconciled surface: the listing states 67.13 m² but the cadastre records 80 m² (+19%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
6496302BE9969E0008GQ
Cadastral area
80 m²
Year built
1976
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 207 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

58/100

Confidence: High

Score breakdown

Zone delta
13/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
4/15

Vivienda de 67.13m² en Sant Carles de la Ràpita a 1722€/m² (mediana zona 2132€/m², delta -19.2%). Estado Mejorable. Posesión libre. Zona muy_baja, 205 días en mercado.

trending_upStrengths

  • +El banco confirma posesión legal: vivienda libre para entregar

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 Carles de la Ràpita, 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

-19.2%Good price
Scope
Municipality
Zone median
€2,132 /m²
This asset
€1,722 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+102.1%Above anchor
Scope
Province (MITMA)
Zone median
€852 /m²
This asset
€1,722 /m²
Samples
831
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€115,600
Transfer tax (ITP) 10% — Cataluña€11,560
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€405
Estimated total investment€128,565
Estimated refurbishment (state: mejorable)€27,000 – €47,000

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.

Listing intel

SourceSolvia
On the market sinceFeb 2026 (207 days)
On Atalaya since16 Aug 2026
Last updated31 Aug 2026

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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