AtalayaAtalaya

Calle Duende

Fiñana, Almería • Apartment • Ref: #443A5535

€10,417-90% vs area market
open_in_newView original listing

Get new bank-owned properties in Fiñana under your budget by email. Free.

Size

177 m²

Price / m²

€59

Rooms

3

OccupancyOccupied · type to verify
45
Calle Duende — Fiñana
Photo: Solvia
1 / 3

AI visual analysis

Automated analysis · physical condition

3 of 3 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta desconchones y suciedad en la parte inferior, lo que indica falta de mantenimiento.
  • •Exterior: Las puertas de acceso al exterior muestran signos de oxidación y desgaste, necesitando una renovación.
  • •Exterior: El entorno de la propiedad es una calle estrecha y empinada, típica de un pueblo, con algunas casas en estado similar.

descriptionDescription

Vivienda unifamiliar de una planta situada n el municipio de Fiñana, en la provincia de Almería. Construida en el año 1950 sin ascensor. Con una superficie construida e 177 m² sobre un solar de 177 m² . Distribuida en salón estar, otra sala, cocina, cinco dormitorios, aseo, patio y despensa. Está situada en la parte alta del pueblo, muy cerca del centro urbano, rodeada de viviendas de similares características. Con buenas comunicaciones por carretera, con accesos a la localidad a través de la A-92. Con nuestros servicios podrá encontrar la casa 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

1950

Energy rating

F

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
3941106WG1134S0001PT
Cadastral area
169 m²
Year built
1950
Cadastral use
Residential

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 1248 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

ANALYZE

45/100

Confidence: High

Score breakdown

Zone delta
Not assessable
—
Possession
10/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 177.00m² en Fiñana a 59€/m² (mediana zona 616€/m², delta %). Estado Mejorable. Posesión con ocupación a verificar. Zona muy_baja, más de 2 años sin vender.

warningRisks

  • −1243 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

Fiñana, Almería

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

-90.4%Strong opportunity
Scope
Municipality
Zone median
€616 /m²
This asset
€59 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-92.5%Strong opportunity
Scope
Province (MITMA)
Zone median
€788 /m²
This asset
€59 /m²
Samples
386
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€10,417
Transfer tax (ITP) 7% — Andalucía€729
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€12,446
Estimated refurbishment (state: mejorable)€71,000 – €124,000

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 sinceApr 2023 (1248 days)
On Atalaya since27 Aug 2026
Last updated27 Aug 2026

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