AtalayaAtalaya

Volcan Nevado del Ruiz

San Cristóbal de la Laguna, Santa Cruz de Tenerife • Apartment • Ref: #6F0CB0E3

€90,000-52% vs area market
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Size

87 m²

Price / m²

€1,039

Rooms

4

OccupancyVacant
74
Volcan Nevado del Ruiz — San Cristóbal de la Laguna
Photo: Solvia
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AI visual analysis

Automated analysis · physical condition

11 of 11 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Cocina: Los azulejos y los muebles son antiguos, lo que sugiere una estética dated.
  • •Salón y Dormitorio: Las paredes están recién pintadas de blanco, pero el suelo de terrazo es antiguo y las puertas son de madera oscura.
  • •Balcón: El balcón acristalado es funcional, pero el suelo de terrazo y la barandilla metálica son antiguos.

descriptionDescription

Piso de tres dormitorios y un baño, ubicado en la urbanización Las Chumberas municipio de La Laguna, en la provincia de Santa Cruz de Tenerife. Tiene una superficie construida de 86,59 m2, aproximadamente, distribuidos en salón-comedor, cocina, tres dormitorios y un baño. Se ubica en la cuarta planta de un edificio sin ascensor. Tiene una antigüedad de 40 años situado en zona apartada del centro urbano aunque muy bien comunicada, céntrica y cerca de la zona comercial de Taco y de los Majelos y muy próxima a la Universidad ya a las grandes superficies comerciales de Geneto. El entorno es muy tranquilo con un trafico rodado y peatonal medio-bajo. En cuanto a las comunicaciones, las carreteras cercanas a la zona son la TF-2 y TF-5. Con nuestros servicios podrá encontrar la vivienda 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

2

Elevator

No

Year built

1968

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

Energy rating

G

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
2492601CS7429S0020ZH
Cadastral area
89 m²
Year built
1968
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 918 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

74/100

Confidence: High

Score breakdown

Zone delta
30/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
4/15

Vivienda de 86.59m² en San Cristóbal de la Laguna a 1039€/m² (mediana zona 2171€/m², delta -52.1%). Estado Mejorable. Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -52.1% frente a la mediana zonal (2171€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −917 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

San Cristóbal de la Laguna, Santa Cruz de Tenerife

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

-52.1%Strong opportunity
Scope
Municipality
Zone median
€2,171 /m²
This asset
€1,039 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

0.0%In line
Scope
Postal code
Zone median
€1,039 /m²
This asset
€1,039 /m²
Samples
7
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€90,000
Transfer tax (ITP) 6.5% — Canarias€5,850
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€315
Estimated total investment€97,165
Estimated refurbishment (state: mejorable)€34,500 – €60,500

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 (918 days)
On Atalaya since1 Aug 2026
Last updated31 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