AtalayaAtalaya

Calle Carretera

Lumpiaque, Zaragoza • House • Ref: #692F2D8A

€29,000-46% vs area market
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Size

110 m²

Price / m²

€264

Rooms

3

OccupancyVacantDeduced by AI
64
Calle Carretera — Lumpiaque
Photo: Solvia
1 / 13

AI visual analysis

Automated analysis · physical condition

13 of 13 photos analyzed

Physical condition

Derelict

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta un deterioro significativo con desprendimientos de la capa exterior y falta de mantenimiento.
  • •Interior: Las estancias interiores muestran techos con vigas de madera expuestas y dañadas, así como paredes con desconchones y suciedad.
  • •Exterior: El patio exterior está en estado de abandono, con escombros, vegetación y paredes deterioradas.
  • •Baño: El baño está incompleto, con un lavabo antiguo y sin inodoro visible, indicando una necesidad de reforma total.

descriptionDescription

Casa adosada de 110 m² ubicada en Lumpiaque, Zaragoza. Se trata de una casa de pueblo de dos plantas sobre rasante de 110 m² distribuidos en salón-comedor, cocina, 3 dormitorios y 1 baño. Precisa reforma integral. La vivienda se sitúa en el núcleo urbano de Lumpiaque, con acceso por la A-2 y la N-II. La localidad dispone de comunicaciones mediante autobús interurbano y estación de tren de cercanías en el municipio. En la zona pueden encontrarse servicios como supermercados, centros educativos, instalaciones deportivas, oficinas bancarias, restaurantes y otros comercios. A pocos minutos se localizan el centro de salud de la localidad y servicios municipales. Con nuestros servicios podrá encontrar la casa adosada 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

Elevator

No

Year built

1903

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
1604314XM4110D0001TH
Cadastral area
110 m²
Year built
1903
Cadastral use
Residential

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 919 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

64/100

Confidence: High

Score breakdown

Zone delta
25/30
Possession
20/20
Physical state
0/25
Legal liens
10/15
Zone liquidity
12/15

Vivienda de 110.00m² en Lumpiaque a 264€/m² (mediana zona 486€/m², delta -45.7%). En Ruina. Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -45.7% frente a la mediana zonal (486€/m²)
  • +IA detectó: Casa de pueblo de 110 m2 y dos plantas sobre rasante ubicada en el municipio de Lumpiaque, provincia de Zaragoza.

warningRisks

  • −916 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

Lumpiaque, Zaragoza

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

-45.7%Strong opportunity
Scope
Municipality
Zone median
€486 /m²
This asset
€264 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-19.0%Good price
Scope
Province (MITMA)
Zone median
€326 /m²
This asset
€264 /m²
Samples
297
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€29,000
Transfer tax (ITP) 8% — Aragón€2,320
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€32,620
Estimated refurbishment (state: ruina)€99,000 – €154,000

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 sinceFeb 2024 (919 days)
On Atalaya since1 Jun 2026
Last updated29 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