Untitled property

Figueres, Girona • Apartment • Ref: #62A14B9C

€45,000-52% vs area market

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Size

47 m²

Price / m²

€957

Rooms

OccupancyOccupied · type to verify

Photo: Altamira

1 / 15

AI visual analysis

Automated analysis · physical condition

15 of 15 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

•Fachada: El edificio presenta una fachada con pintura desgastada y algunas manchas.
•Exterior: Se observan cables eléctricos expuestos en la fachada del edificio.

descriptionDescription

Piso en Figueres, Girona. Superficie: 47 m², 2 habitaciones, 1 baños.

Characteristics

Bathrooms

Elevator

Terrace

Parking

Pool

Air conditioning

Heating

Storage room

Garden

routeHow to buy this asset from the bank

expand_more

1Contact the servicer from the official listing (or from Atalaya) and ask for availability and a viewing.
2Visit the property and verify real condition, possession and access. Ask for the habitability certificate and the energy certificate.
3Request a nota simple from the Land Registry (~€10) and the community-debt certificate.
4Submit your offer in writing. Servicers take it to committee: expect days to weeks. Offering below asking is standard practice.
5Once accepted: deposit contract (require 'free of occupants and belongings'), financing and deed before a notary.

handshakeThis asset has been listed for 656 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: 8/30
Possession: 10/20
Physical state: 14/25
Legal liens: 10/15
Zone liquidity: 10/15

Vivienda de 47.00m² en Figueres a 957€/m² (mediana zona 2002€/m², delta -52.2%). Estado Mejorable. Posesión con ocupación a verificar. Zona baja, stock estancado (655 días).

trending_upStrengths

+Descuento del -52.2% frente a la mediana zonal (2002€/m²)

warningRisks

−655 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

Figueres, Girona

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

-52.2%Strong opportunity

Scope: Municipality
Zone median: €2,002 /m²
This asset: €957 /m²
Period: mayo 2026
Source: Idealista

account_balancevs other bank assets

-6.8%In line

Scope: Postal code
Zone median: €1,027 /m²
This asset: €957 /m²
Samples: 16
Source: Atalaya (bank inventory)

Estimated acquisition costs

Asset price€45,000

Transfer tax (ITP) 10% — Cataluña€4,500

Notary (est.)€600

Land Registry (est.)€400

Admin agency (est.)€300

Estimated total investment€50,800

Estimated refurbishment (state: mejorable)€19,000 – €33,000

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.

30 Apr 2026

€50,000arrow_forward€45,000-10%

Listing intel

SourceAltamira

On the market sinceNov 2024 (656 days)

On Atalaya since11 Apr 2026

Last updated31 Aug 2026

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Aggregated data from public sources and servicer Altamira. 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