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AtalayaAtalaya

Calle Montcada

Tortosa, TarragonaApartmentRef: #7D329C81

€28,500
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Size

71 m²

Price / m²

€401

Rooms

1

OccupancyVacant
81
Calle Montcada — Tortosa
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • Fachada: La fachada presenta un aspecto envejecido con la pintura desconchada y la piedra expuesta.
  • Balcon: El balcón de hormigón tiene un aspecto desgastado y la barandilla de hierro forjado muestra signos de óxido.
  • Exterior: Se observan cables eléctricos expuestos y tuberías a la vista en la fachada.

descriptionDescription

Piso de 71 m² ubicado en Tortosa, Tarragona. Se trata de un piso de 71 m² distribuidos en salón-comedor, cocina, 1 dormitorio y 1 baño. Este piso se sitúa en el núcleo urbano de Tortosa, con acceso directo desde vías principales como la C-12 y la C-42, lo que facilita la conexión con el resto de la ciudad y localidades cercanas. La ciudad cuenta con estación de tren Renfe cercan a la ubicación, con servicios de media distancia y cercanías, además de varias líneas de autobuses interurbanos y urbanos. Esta excelente red de comunicaciones permite desplazamientos cómodos tanto dentro de Tortosa como hacia destinos principales de la provincia. En el entorno inmediato se pueden encontrar una amplia variedad de servicios esenciales como supermercados, restaurantes, centros educativos, instalaciones deportivas y oficinas bancarias, así como otros pequeños comercios que facilitan la vida diaria. Destacan puntos de interés como el Hospital Verge de la Cinta, el Museu de Tortosa, el Parque Teodor González —un extenso espacio verde ideal para el ocio y el deporte— y el histórico Castillo de la Suda, que forma parte del importante patrimonio cultural de la ciudad. Además, en las proximidades hay centros de salud, recintos feriales y diversas opciones de ocio y cultura. Con nuestros servicios podrá encontrar el piso 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. [Aviso legal] El inmueble se encuentra gravado con una o varias cargas, la/s cual/es se encuentra/n pendiente/s de su cancelación. Se debe consultar su situación actual, así como sus posibles limitaciones y la asunción de su cancelación. Se recomienda que el comprador obtenga asesoramiento profesional y legal antes de adoptar la decisión de compra.

Characteristics

Bathrooms

1

Year built

1900

gavelLegal & cadastral analysis

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assignmentCadastral data

straightenUnreconciled surface: the listing states 71 m² but the cadastre records 134 m² (+89%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
1010406BF9211A0004UG
Cadastral area
134 m²
Year built
1900
Cadastral use
Residential

routeHow to buy this asset from the bank

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  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 244 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

81/100

Confidence: Low

Score breakdown

Zone delta
30/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
11/15

Vivienda de 71.00m² en Tortosa a 401€/m² (mediana zona 1213€/m², delta -66.9%). Estado Mejorable. Posesión libre. Zona media, 243 días en mercado.

trending_upStrengths

  • +Descuento del -66.9% frente a la mediana zonal (1213€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

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

Tortosa, Tarragona

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

-66.9%Strong opportunity
Scope
Municipality
Zone median
€1,213 /m²
This asset
€401 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+45.3%Above anchor
Scope
Postal code
Zone median
€276 /m²
This asset
€401 /m²
Samples
57
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€28,500
Transfer tax (ITP) 10% — Cataluña€2,850
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€32,650
Estimated refurbishment (state: mejorable)€28,500€49,500

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 sinceDec 2025 (244 days)
On Atalaya since28 Aug 2026
Last updated31 Aug 2026

compare_arrowsZone comparables

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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