AtalayaAtalaya

Calle Garrofer

Tortosa, Tarragona • House • Ref: #896B5D22

€64,000
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Size

153 m²

Price / m²

€418

Rooms

3

OccupancyVacant
77
Calle Garrofer — Tortosa
Photo: Solvia
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AI visual analysis

Automated analysis · physical condition

8 of 8 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta desconchones y un aspecto descuidado, indicando necesidad de reparaciones.
  • •Cocina: La cocina tiene muebles antiguos y azulejos pasados de moda, con un fregadero que parece deteriorado.
  • •Dormitorio: Los dormitorios muestran suelos y techos antiguos, con paredes que necesitan pintura y posibles reparaciones.
  • •Terraza: La terraza tiene un suelo de baldosas rojas y paredes con signos de desgaste.

descriptionDescription

Casa adosada de 153 m² ubicada en Tortosa, Tarragona. Se trata de una casa planta baja y 2 pisos, distribuida en salón-comedor, cocina, 3 dormitorios y 1 baño. Se sitúa en el núcleo urbano de Tortosa, con acceso por las vías C-12 y C-42. La localidad dispone de servicios de autobús urbano e interurbano y de estación de tren con conexiones regionales y de Media Distancia. En la zona se encuentran supermercados, centros educativos, instalaciones deportivas, restauración, entidades bancarias y comercios. A pocos minutos se localizan el Hospital de Tortosa Verge de la Cinta y el centro de la localidad. Con nuestros servicios podrá encontrar la casa adosada 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.

Characteristics

Bathrooms

1

Year built

1930

gavelLegal & cadastral analysis

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assignmentCadastral data

Cadastral ref.
1109822BF9210G0001BE
Cadastral area
153 m²
Year built
1930
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.

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

77/100

Confidence: Low

Score breakdown

Zone delta
30/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
14/15

Vivienda de 153.00m² en Tortosa a 418€/m² (mediana zona 1213€/m², delta -65.5%). Requiere Reforma Integral. Posesión libre. Zona media, inventario reciente (32 días).

trending_upStrengths

  • +Descuento del -65.5% 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

-65.5%Strong opportunity
Scope
Municipality
Zone median
€1,213 /m²
This asset
€418 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+51.4%Above anchor
Scope
Postal code
Zone median
€276 /m²
This asset
€418 /m²
Samples
57
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€64,000
Transfer tax (ITP) 10% — Cataluña€6,400
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€71,700

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 sinceJul 2026 (34 days)
On Atalaya since29 Aug 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