AtalayaAtalaya

Obra Parada Piso en Ctra Gador a Laujar, 47 (instincion)

Instinción, Almería • Apartment • Ref: #6D5E3E37

€15,000
open_in_newView original listing

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

Size

98 m²

Price / m²

€153

Rooms

2

OccupancyVacantDeduced by AI
46
Obra Parada Piso en Ctra Gador a Laujar, 47 (instincion) — Instinción
Photo: Cimenta2
1 / 4

AI visual analysis

Automated analysis · physical condition

4 of 4 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta un aspecto envejecido con algunas manchas y desconchones en la parte inferior.
  • •Exterior: El exterior del edificio muestra un desgaste general, con la pintura descolorida en algunas zonas.

descriptionDescription

Promoción en construcción con Obras paralizadas en el municipio de Instinción, provincia de Almería. Consta de 33 viviendas con anejos de VPO, que forma parte de un Modificado de Proyecto Básico y Ejecución para 45 viviendas, bodegas y garaje en el que se realiza la adaptación de 33 viviendas, 33 garajes y 33 trasteros a VPO. Las viviendas se distribuyen en tres plantas sobre rasante, planta baja, más planta primera y una planta ático. En la cara que da a la carretera de Gádor-Laujar, se producen semisótanos debidos a las diferencias de nivel del solar. La edificación ocupa la totalidad de la parcela en planta baja excepto la parte central que se utiliza como patio corrido para aireación e iluminación. El garaje se localiza bajo rasante en sótano. En la planta de cubierta se desarrollan castilletes para acceso de azoteas, casetones de ascensor y armarios de instalaciones para telecomunicaciones. Las viviendas se distribuyen en tres plantas sobre rasante, planta baja, más planta primera y una planta ático.

Characteristics

Bathrooms

1

Elevator

Yes

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 795 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

ANALYZE

46/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
20/20
Physical state
14/25
Legal liens
7/15
Zone liquidity
3/15

Vivienda de 98.27m² en Instinción a 153€/m² (mediana zona 1135€/m², delta -86.5%). Estado Mejorable. Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -86.5% frente a la mediana zonal (1135€/m²)
  • +IA (confianza media): Promoción en construcción con Obras paralizadas

warningRisks

  • −794 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

Instinción, Almería

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

-86.5%Strong opportunity
Scope
Municipality
Zone median
€1,135 /m²
This asset
€153 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-80.6%Strong opportunity
Scope
Province (MITMA)
Zone median
€788 /m²
This asset
€153 /m²
Samples
386
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€15,000
Transfer tax (ITP) 7% — Andalucía€1,050
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€17,350
Estimated refurbishment (state: mejorable)€39,500 – €69,000

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

SourceCimenta2
On the market sinceJun 2024 (795 days)
On Atalaya since22 May 2026
Last updated31 Aug 2026

Aggregated data from public sources and servicer Cimenta2. 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