AtalayaAtalaya

Calle Santa Lucía

Miranda de Ebro, Burgos • Apartment • Ref: #55EF06D5

€139,000-22% vs area market
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Size

120 m²

Price / m²

€1,158

Rooms

2

OccupancyVacant
71
Calle Santa Lucía — Miranda de Ebro
Photo: Solvia
1 / 14

AI visual analysis

Automated analysis · physical condition

14 of 14 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Salon: El salón presenta suelos de madera laminada en buen estado y paredes recién pintadas de blanco.
  • •Cocina: La cocina está equipada con muebles modernos en blanco y electrodomésticos integrados, con azulejos en tonos neutros.
  • •Fachada: La fachada del edificio es de ladrillo y piedra, con persianas en las ventanas, en buen estado general.

descriptionDescription

Piso de 120 m² en venta situado en la localidad de Miranda de Ebro, provincia de Burgos. Construido en 2007, este piso cuenta con una superficie construida de 120 m², siendo la útil de 92 m² y se distribuye en salón-comedor, cocina independiente amueblada con armarios altos y bajos, 2 dormitorios y 1 baño. La vivienda se localiza a unos metros del Río Ebro, bien comunicada, a 4 minutos de la estación del tren y mediante los accesos viarios N-I, BU-535 y BU-735. La zona dispone de equipamiento variado, centro de salud, supermercado, farmacia, cafetería, restaurante, instituto, parque, etc. Con nuestros servicios podrá encontrar la vivienda que necesita. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

1

Elevator

No

Year built

2007

Pool

No

Heating

Yes

Energy rating

D

gavelLegal & cadastral analysis

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assignmentCadastral data

Cadastral ref.
4063506WN0246S0004PY
Cadastral area
120 m²
Year built
2007
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 589 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

BUY

71/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
20/20
Physical state
20/25
Legal liens
10/15
Zone liquidity
6/15

Vivienda de 120.00m² en Miranda de Ebro a 1158€/m² (mediana zona 1487€/m², delta -22.1%). Buen Estado. Posesión libre. Zona baja, stock estancado (587 días).

trending_upStrengths

  • +Descuento del -22.1% frente a la mediana zonal (1487€/m²)
  • +Estado habitable sin reforma inmediata
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −587 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

Miranda de Ebro, Burgos

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

-22.1%Good price
Scope
Municipality
Zone median
€1,487 /m²
This asset
€1,158 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+176.4%Above anchor
Scope
Postal code
Zone median
€419 /m²
This asset
€1,158 /m²
Samples
6
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€139,000
Transfer tax (ITP) 8% — Castilla y León€11,120
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€487
Estimated total investment€151,607

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 sinceJan 2025 (589 days)
On Atalaya since8 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