AtalayaAtalaya

Cantones

Montoro, Córdoba • House • Ref: #811542AA

€25,000
open_in_newView original listing

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

Size

104 m²

Price / m²

€240

Rooms

2

OccupancyOccupied · type to verify
36
Cantones — Montoro
Photo: Solvia
1 / 4

AI visual analysis

Automated analysis · physical condition

4 of 4 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

descriptionDescription

Vivienda unifamiliar adosada de dos plantas sobre rasante, situada en el municipio de Montoro, en la provincia de Córdoba. La vivienda tiene una superficie aproximada de 82 m² y se distribuye en planta baja y planta primera. Tiene acceso a pie de calle, cuenta con portal de acceso y escaleras comunitarias, en la primera planta de la vivienda cuenta con entrada y pasillo de distribución, salón-comedor amplio con un pequeño balcón, cocina sin amueblar, tres dormitorios amplios con ventanales que dan mucha luz a los mismos, cuenta con un baño, un patio de luces y azotea. El inmueble se encuentra en una zona tranquila, rodeado por viviendas residenciales de similares características y con todos los servicios como restaurantes, diversos comercios, colegios y zonas verdes. A poca distancia de la capital Sevillana, zona muy transitada y comercial. Cuenta con fácil acceso y bien comunicada con el municipio y su núcleo urbano. Paradas de autobús, taxi y muy cercano a la carretera N-420. Deterioro Grave. Necesita reforma integral.

Characteristics

Bathrooms

1

Elevator

No

Year built

1940

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

Energy rating

E

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
8699401UH7089N0001TB
Cadastral area
104 m²
Year built
1940
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

AVOID

36/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
10/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
7/15

Vivienda de 104.00m² en Montoro a 240€/m² (mediana zona 971€/m², delta -75.3%). Requiere Reforma Integral. Posesión con ocupación a verificar. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -75.3% frente a la mediana zonal (971€/m²)

warningRisks

  • −916 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

Montoro, Córdoba

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

-75.3%Strong opportunity
Scope
Municipality
Zone median
€971 /m²
This asset
€240 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-65.4%Strong opportunity
Scope
Province (MITMA)
Zone median
€693 /m²
This asset
€240 /m²
Samples
184
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€25,000
Transfer tax (ITP) 7% — Andalucía€1,750
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€28,050

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 since12 May 2026
Last updated29 Aug 2026

compare_arrowsZone comparables

Top 5 similar properties in Montoro by AI score

Llana
54

Llana

€8,800

€39/m² · 224 m²

View analysisarrow_forward
Casa en Montoro (córdoba)
29

Casa en Montoro (córdoba)

€30,000

€188/m² · 160 m²

View analysisarrow_forward

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