Saltar al contenido
AtalayaAtalaya

Calle Alcalde Luarca

Unión (la), MurciaApartmentRef: #65098901

€149,000-47% vs area market
open_in_newView original listing

Get new bank-owned properties in Unión (la) under your budget by email. Free.

Size

162 m²

Price / m²

€923

Rooms

3

OccupancyVacant
71
Calle Alcalde Luarca — Unión (la)
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • Fachada: La fachada de ladrillo visto presenta un aspecto general aceptable, aunque con signos de desgaste por el paso del tiempo.
  • Balcon: Los balcones tienen barandillas metálicas que parecen estar en buen estado, pero los toldos y persianas muestran cierto envejecimiento.
  • Garaje: La puerta del garaje es metálica y se ve funcional, aunque con un aspecto algo antiguo.

descriptionDescription

Piso de 161 m² ubicado en La Unión, Murcia. Se trata de un piso de 161 m² distribuidos en salón-comedor, cocina, 3 dormitorios y 1 baño. La vivienda se encuentra en una zona céntrica de La Unión, lo que le otorga una excelente localización dentro del núcleo urbano, con acceso directo a pie a todos los servicios y comercios de la localidad. En cuanto a comunicaciones, la vivienda disfruta de excelentes conexiones por carretera, con fácil acceso a la RM-312 y la N-332, principales vías que comunican La Unión con Cartagena y el resto de la comarca. Además, la estación de tren de La Unión se encuentra a escasos minutos a, permitiendo desplazamientos cómodos hacia Cartagena y otros municipios cercanos. La localidad cuenta también con líneas de autobús interurbano que conectan con Cartagena y otras poblaciones del entorno. En la zona se pueden encontrar todo tipo de servicios: supermercados, restaurantes, cafeterías, farmacias, centros educativos, instalaciones deportivas municipales, oficinas bancarias y otros negocios comerciales. A poca distancia se localiza el Parque Minero de La Unión y el Mercado Público. Con nuestros servicios podrá encontrar el piso que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted atenderá personalmente.

Characteristics

Bathrooms

1

Elevator

Yes

Pool

No

Air conditioning

No

Heating

No

Energy rating

E

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
7858901XG8675N0051QE

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 424 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
25/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
6/15

Vivienda de 161.50m² en Unión (la) a 923€/m² (mediana zona 1747€/m², delta -47.2%). Estado Mejorable. Posesión libre. Zona muy_baja, stock estancado (423 días).

trending_upStrengths

  • +Descuento del -47.2% frente a la mediana zonal (1747€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • 423 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

Unión (la), Murcia

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

-47.2%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,747 /m²
This asset
€923 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

+3.9%In line
Scope
City
Zone median
€888 /m²
This asset
€923 /m²
Samples
11
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€149,000
Transfer tax (ITP) 8% — Murcia€11,920
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€522
Estimated total investment€162,442
Estimated refurbishment (state: mejorable)€64,500€113,000

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.

Listing intel

SourceSolvia
On the market sinceJul 2025 (424 days)
On Atalaya since28 Jun 2026
Last updated31 Aug 2026

compare_arrowsZone comparables

Top 5 similar properties in Unión (la) by AI score

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