AtalayaAtalaya

Calle Llac del Cigne, s/n

Caldes de Malavella, Girona • House • Ref: #734E40D8

€215,525-40% vs area market
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Size

219 m²

Price / m²

€984

Rooms

2

OccupancyOccupied · vulnerable
55
Calle Llac del Cigne, s/n — Caldes de Malavella
Photo: aliseda
1 / 2

AI visual analysis

Automated analysis · physical condition

2 of 2 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Os presentamos esta amplia casa situada en Caldes de Malavella, Gerona. El inmueble se distribuye en dos habitaciones, salón-comedor, cocina y un baño. Localizada en el centro de Caldes de Malavella. En términos de accesibilidad, la propiedad dispone de múltiples conexiones y cuenta con fácil acceso a N-2. En Aliseda Inmobiliaria tenemos la mayor oferta de inmuebles al mejor precio garantizado. Descubre nuestra amplia oferta inmobiliaria y no pierdas la oportunidad de encontrar la casa perfecta para ti.

Characteristics

Bathrooms

1

Elevator

No

Terrace

No

Parking

No

Year built

2005

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

En tr

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 219 m² but the cadastre records 247 m² (+13%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
1814646DG8311S0001DP
Cadastral area
247 m²
Year built
2005
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.

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

BUY

55/100

Confidence: High

Score breakdown

Zone delta
25/30
Possession
0/20
Physical state
Not assessable
—
Legal liens
10/15
Zone liquidity
9/15

Vivienda de 219.00m² en Caldes de Malavella a 984€/m² (mediana zona 1654€/m², delta -40.5%). Estado Pendiente De Análisis Visual. Posesión con ocupantes en vulnerabilidad protegida. Zona muy_baja, 141 días en mercado.

trending_upStrengths

  • +Descuento del -40.5% frente a la mediana zonal (1654€/m²)

warningRisks

  • −Aliseda indica moratoria anti-desahucios vigente

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

Caldes de Malavella, 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

-40.5%Strong opportunity
Scope
Municipality
Zone median
€1,654 /m²
This asset
€984 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+3.3%In line
Scope
Postal code
Zone median
€953 /m²
This asset
€984 /m²
Samples
6
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€215,525
Transfer tax (ITP) 10% — Cataluña€21,553
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€754
Estimated total investment€238,832

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

SourceAliseda
On Atalaya since11 Apr 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer aliseda. 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