AtalayaAtalaya

Tr Santa Ana

Balaguer, Lleida • House • Ref: #77C16738

€19,000
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Size

164 m²

Price / m²

€116

Rooms

3

OccupancyVacant
65
Tr Santa Ana — Balaguer
Photo: Solvia
1 / 4

AI visual analysis

Automated analysis · physical condition

4 of 4 photos analyzed

Physical condition

Good

Photo quality

Good

descriptionDescription

Vivienda con 164 m² de superficie situada en Balaguer, Lleida. El inmueble de segunda mano está distribuida en 4 plantas y consta de varias estancias, entre ellas, 3 dormitorios y 1 baño. Se encuentra en el casco urbano de la localidad, entre las plazas de Mercadal y Cominge, a 190 metros del ayuntamiento, con acceso a paradas de autobús a pocos metros de distancia y comunicando con C-12 en 2 minutos en coche aproximadamente. La zona, además, está dotada de servicios como supermercados, cafeterías, bancos, farmacias, estación de servicio y otros establecimientos comerciales. Vivienda exonerada de etiqueta de certificación energética. Con los servicios de Solvia podrá encontrar la vivienda que necesita. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

1

Elevator

No

Year built

1900

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
7590218CG1279S0001RX
Cadastral area
164 m²
Year built
1900
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 1616 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.

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

ANALYZE

65/100

Confidence: Low

Score breakdown

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

Vivienda de 164.00m² en Balaguer a 116€/m² (mediana zona 1267€/m², delta -90.8%). Buen Estado. Posesión libre. Zona baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -90.8% frente a la mediana zonal (1267€/m²)
  • +Estado habitable sin reforma inmediata
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −1615 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

Balaguer, Lleida

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

-90.8%Strong opportunity
Scope
Municipality
Zone median
€1,267 /m²
This asset
€116 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-69.2%Strong opportunity
Scope
Postal code
Zone median
€377 /m²
This asset
€116 /m²
Samples
18
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€19,000
Transfer tax (ITP) 10% — Cataluña€1,900
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€22,200

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 sinceMar 2022 (1616 days)
On Atalaya since1 Jul 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