AtalayaAtalaya

Calle Tortosa, s/n

Torreforta, Tarragona • Apartment • Ref: #45F0914D

€49,000-17% vs area market
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Size

42 m²

Price / m²

€1,166

Rooms

2

OccupancyOccupied · old rent
50
Calle Tortosa, s/n — Torreforta, Tarragona
Photo: holapisos
1 / 9

AI visual analysis

Automated analysis · physical condition

9 of 9 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Vivienda ubicada en Tarragona, ideal para familias. Con una superficie de 42 m² construidos distribuidos en 2 habitaciones y 1 baños. Se encuentra en una zona residencial de Tarragona. En sus alrededores encontramos el Escola La Floresta. El entorno ofrece colegios, transporte público y supermercados cercanos, proporcionando una vida cómoda y bien comunicada. Cuenta con fácil acceso a N-340a, T-11 y Font del Centenari. La zona dispone de una amplia oferta de servicios, incluyendo centros de salud, farmacias y espacios deportivos que complementan la vida diaria de los residentes. El entorno se caracteriza por su tranquilidad y por la presencia de zonas verdes y parques que invitan al paseo y al descanso al aire libre. La ubicación estratégica permite disfrutar de una excelente relación entre vida urbana y naturaleza, con múltiples opciones de ocio y cultura en las proximidades.

Characteristics

Bathrooms

1

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 454 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

ANALYZE

50/100

Confidence: High

Score breakdown

Zone delta
13/30
Possession
6/20
Physical state
Not assessable
—
Legal liens
10/15
Zone liquidity
11/15

Vivienda de 42.00m² en Tarragona a 1166€/m² (mediana zona 1412€/m², delta -17.4%). Estado Pendiente De Análisis Visual. Posesión con inquilino de renta antigua. Zona media, stock estancado (453 días).

warningRisks

  • −Aliseda indica alquiler social obligatorio (renta protegida por ley)
  • −453 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

Torreforta, Tarragona, 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

-17.4%Good price
Scope
Neighbourhood
Zone median
€1,412 /m²
This asset
€1,166 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+17.3%Above anchor
Scope
Postal code
Zone median
€994 /m²
This asset
€1,166 /m²
Samples
10
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€49,000
Transfer tax (ITP) 10% — Cataluña€4,900
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€55,200

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 sinceJun 2025 (454 days)
On Atalaya since15 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