AtalayaAtalaya

Calle Gaia

Alpha Deal

Barcelona • Apartment • Ref: #38C945A8

€216,000-60% vs area market
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Size

64 m²

Price / m²

€3,359

Rooms

3

OccupancyVacant
88
Calle Gaia — Barcelona
Photo: Solvia
1 / 13

AI visual analysis

Automated analysis · physical condition

13 of 13 photos analyzed

Physical condition

Good

Photo quality

Good

descriptionDescription

Piso de 64 m² situado en Barcelona. Construido en 1969, el inmueble de 64 m² construidos, ubicado en el casco urbano, se distribuye de la siguiente manera: comedor, cocina cerrada amueblada con armarios altos y bajos, vitrocerámica y campana extractora, 3 habitaciones y 1 cuarto de baño. Esta vivienda se localiza próxima a todo tipo de servicios como: restaurantes, supermercados, parques, farmacias, centro de salud, centros educativos, bancos, locales comerciales, etc. Las comunicaciones por carretera son buenas ya que la C-31 se alcanza en unos minutos. Cuenta además con buenas comunicaciones con líneas de autobús y metro.

Characteristics

Bathrooms

1

Elevator

No

Year built

1969

Pool

No

Air conditioning

No

Heating

No

Garden

No

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 64.3 m² but the cadastre records 73 m² (+14%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
8295704DF2789E0002AL
Cadastral area
73 m²
Year built
1969
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 517 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

88/100

Confidence: High

Score breakdown

Zone delta
30/30
Possession
20/20
Physical state
20/25
Legal liens
10/15
Zone liquidity
12/15

Vivienda de 64.30m² en Barcelona a 3359€/m² (mediana zona 8421€/m², delta -60.1%). Buen Estado. Posesión libre. Zona alta, stock estancado (515 días).

trending_upStrengths

  • +Descuento del -60.1% frente a la mediana zonal (8421€/m²)
  • +Estado habitable sin reforma inmediata
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −515 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

Barcelona, 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

-60.1%Strong opportunity
Scope
Municipality
Zone median
€8,421 /m²
This asset
€3,359 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+33.5%Above anchor
Scope
Postal code
Zone median
€2,516 /m²
This asset
€3,359 /m²
Samples
196
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€216,000
Transfer tax (ITP) 10% — Cataluña€21,600
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€756
Estimated total investment€239,356

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 sinceApr 2025 (517 days)
On Atalaya since27 May 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