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Santa María de la Cabeza, Nº, 22

Palencia • Apartment · Auction • Ref: #5C8B6B55

€1,154
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OccupancyUnconfirmed
70
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

descriptionDescription

URBANA: DOS.- Parte baja interior, destinada a vivienda de la casa situada en Palencia, calle Santa María de la Cabeza, nº 22, , en el catastro nº 18, compuesta de tres habitaciones, cocina y aseo. Tiene su entrada por el pasillo que desde la puerta de la izquierda que existe en el edificio termina en el patio que se encuentra entre ambas viviendas. Ocupa una superficie de cuarenta metros cuadrados.

gavelLegal & cadastral analysis

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balanceLegal analysis (AI)

Ocupacióndesconocido
Cargas (€)€10,989
Detalle cargasAnotación letra A de embargo por 9632.70 EUR (prorrogada) y ampliación de anotación letra C por 1356.08 EUR.
Embargos€10,989
Puja mínima€1,154
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgomedium
Litigiosembargo, anotacion_preventiva, afeccion_fiscal
Análisis riesgoLa propiedad tiene una anotación de embargo prorrogada y ampliada por la Diputación Provincial de Palencia. La ocupación es desconocida y el estado de conservación es muy deficiente, lo que añade riesgo.

assignmentCadastral data

Cadastral ref.
3513223UM7531S0001RK
Cadastral area
26 m²
Year built
1932
Cadastral use
Storage/parking (residential)

routeHow to bid in this auction (BOE)

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  1. 1Read the full terms on subastas.boe.es: auction value, minimum bid, increments and surviving charges.
  2. 2Request a nota simple and study prior charges — auctions do NOT wipe them all; charges prior to the annotation survive.
  3. 3Deposit the required amount (usually 5% of the auction value) through the BOE platform to be able to bid.
  4. 4Bid within the window (usually 20 calendar days). If you win, you must pay the remainder within a short deadline — effectively a cash operation.
  5. 5After the award: decree, registration and, if occupied, the possession process. Think months, not weeks.

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

Auctions are effectively cash operations: you must deposit to bid and pay the remainder shortly after the award. Don't count on a traditional mortgage within those deadlines.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

ANALYZE

70/100

Confidence: Low

Score breakdown

Zone delta
30/30
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
5/15
Zone liquidity
6/15
BOE bonus
2/6

Subasta BOE en Palencia. Puja mínima 1,154€ vs tasación 11,540€ (descuento judicial 90.0%). Posesión desconocida. Subasta cierra en 6 días (inminente).

trending_upStrengths

  • +Descuento judicial del 90.0% sobre tasación (1,154€ vs 11,540€)
  • +Subasta inminente: cierre en 6 días, ventana de decisión limitada (presión vendedora)
  • +Cargas en posición preferente: hipoteca primaria, sin cargas senior ocultas

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

Palencia, Palencia

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

—
Scope
Municipality
Zone median
€1,797 /m²
Period
mayo 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€1,154
Transfer tax (ITP) 8% — Castilla y León€92
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€2,546

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.

gavelAuction property

Ends: 7 September 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceAug 2026 (13 days)
On Atalaya since31 Aug 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer BOE - Portal de Subastas. 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