AtalayaAtalaya

Pirineo

Los Dolores, Cartagena, Murcia • Apartment • Ref: #85E99855

€30,000
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Size

74 m²

Price / m²

€405

Rooms

2

OccupancyOccupied · type to verify
50
Pirineo — Los Dolores, Cartagena
Photo: Solvia
1 / 2

AI visual analysis

Automated analysis · physical condition

2 of 2 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

descriptionDescription

Se encuentra a la venta un piso construido en el año 1965, con una superficie de 73,99 m2. Este inmueble está ubicado en un edificio de varias plantas sobre rasante en Dolores de Cartagena. El piso cuenta con una distribución que incluye un salón, cocina, dos dormitorios y un baño. Es importante destacar que este piso necesita una reforma integral, lo que brinda una excelente oportunidad para personalizarlo según tus preferencias y necesidades. La propiedad está situada en una zona tranquila y ofrece una buena comunicación en Dolores, estando a pocos kilómetros de la ciudad de Cartagena. Si estás buscando un piso con potencial para remodelarlo a tu gusto y en una ubicación cómoda, este inmueble podría ser una excelente opción para ti.

Characteristics

Bathrooms

2

Elevator

No

Year built

1965

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 73.99 m² but the cadastre records 132 m² (+78%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
6476706XG7667N0001DO
Cadastral area
132 m²
Year built
1965
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 919 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

ANALYZE

50/100

Confidence: Low

Score breakdown

Zone delta
19/30
Possession
10/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
6/15

Vivienda de 73.99m² en Cartagena a 405€/m² (mediana zona 1292€/m², delta -68.7%). Requiere Reforma Integral. Posesión con ocupación a verificar. Zona media, más de 2 años sin vender.

location_off

Score moderated · working-class neighborhood

The municipal median overstates the real discount in this barrio. We've capped the zone-discount component at 19/30 to avoid surfacing illiquid assets as opportunities.

“Dolores de Cartagena”

trending_upStrengths

  • +Descuento del -68.7% frente a la mediana zonal (1292€/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

Los Dolores, Cartagena, Murcia

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

-68.7%Strong opportunity
Scope
Neighbourhood
Zone median
€1,292 /m²
This asset
€405 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-35.7%Strong opportunity
Scope
Postal code
Zone median
€630 /m²
This asset
€405 /m²
Samples
74
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€30,000
Transfer tax (ITP) 8% — Murcia€2,400
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€33,700

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 (919 days)
On Atalaya since12 May 2026
Last updated29 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