AtalayaAtalaya

Calle Minerva

Balaguer, Lleida • House • Ref: #5B04176D

€11,000
open_in_newView original listing

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

Size

64 m²

Price / m²

€172

Rooms

1

OccupancyOccupied · no titleDeduced by AI
38
Calle Minerva — Balaguer
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Oportunidad sólo para inversores. El activo se encuentra ocupado por persona sin justo título. Debido al estado ocupacional del activo, no se pueden realizar visitas al mismo. Casa de 64 m² ubicada en Balaguer. Se trata de una casa de 64 m² distribuidos en diversas dependencias. Se sitúa en el núcleo urbano, ofreciendo a sus residentes la comodidad de tener todos los servicios a mano. Los accesos principales a la vivienda se realizan a través de la carretera C-26, siendo esta una vía que conecta directamente con la autovía A-2, facilitando el desplazamiento hacia Lleida y otras localidades adyacentes. Además, Balaguer cuenta con estación de tren de Cercanías, lo que proporciona una excelente comunicación con la capital de provincia y otras áreas circundantes. En la zona podemos encontrar importantes servicios como supermercados, restaurantes, instalaciones deportivas y centros educativos, además de oficinas bancarias y otros negocios comerciales. Un lugar destacado es el Hospital Santa María de Balaguer, situado a pocos minutos de la propiedad, garantizando atención médica cercana. Asimismo, Balaguer es conocida por su casco antiguo y su patrimonio histórico, con la iglesia de Santa Maria y el castillo Formós como puntos de interés cultural que enriquecen la vida de los residentes. 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

1900

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 63.84 m² but the cadastre records 251 m² (+293%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
7490109CG1279S0001MX
Cadastral area
251 m²
Year built
1900
Cadastral use
Industrial

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 503 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

AVOID

38/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
2/20
Physical state
Not assessable
—
Legal liens
10/15
Zone liquidity
14/15

Vivienda de 63.84m² en Balaguer a 172€/m² (mediana zona 1267€/m², delta -86.4%). Estado Pendiente De Análisis Visual. Posesión con ocupación irregular. Zona baja, stock estancado (500 días).

trending_upStrengths

  • +Descuento del -86.4% frente a la mediana zonal (1267€/m²)

warningRisks

  • −IA detectó: El activo se encuentra ocupado por persona sin justo título.
  • −500 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

Balaguer, Lleida

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

-86.4%Strong opportunity
Scope
Municipality
Zone median
€1,267 /m²
This asset
€172 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-54.4%Strong opportunity
Scope
Postal code
Zone median
€377 /m²
This asset
€172 /m²
Samples
18
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€11,000
Transfer tax (ITP) 10% — Cataluña€1,100
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€13,400

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 (503 days)
On Atalaya since11 May 2026
Last updated29 Aug 2026

compare_arrowsZone comparables

Top 5 similar properties in Balaguer by AI score

Casa Adosada en Cl Botera
71

Casa Adosada en Cl Botera

€66,000

€660/m² · 100 m²

View analysisarrow_forward
Abadia
70

Abadia

€43,000

€553/m² · 77.76 m²

View analysisarrow_forward
House For Sale In C Barrinou 13 Balaguer Lleida
69

House For Sale In C Barrinou 13 Balaguer Lleida

€22,700

€86/m² · 265 m²

View analysisarrow_forward
Casa Independiente en de la Cuesta
68

Casa Independiente en de la Cuesta

€29,000

€387/m² · 75 m²

View analysisarrow_forward
Tr Santa Ana
65

Tr Santa Ana

€19,000

€116/m² · 164 m²

View analysisarrow_forward

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