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Ramón y Cajal, Nº 4 3º2ª

Figueres, Girona • Apartment · Auction • Ref: #8F1ACECC

€100,700
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OccupancyUnconfirmed
51
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

descriptionDescription

URBANA: ENTIDAD ONCE . VIVIENDA tipo 1, en la planta TERCERA, puerta TERCERA, del bloque quinto del edificio sito en FIGUERES, calles Ramón y Cajal y Doctor Fleming, sin número, con entrada por la calle RAMON Y CAJAL, hoy número CUATRO. Mide setenta y nueve metros, cuarenta decímetros cuadrados útiles y ochenta y nueve metros, sesenta decímetros cuadrados construidos, y según cédula de calificación definitiva mide setenta y cuatro metros, cuarenta y seis decímetros cuadrados útiles y ciento un metros, treinta y tres decímetros cuadrados construidos. Se compone de vestíbulo—distribuiclor, comedor—estar, tres dormitorios, cocina, baño, terraza principal y terraza tendedero. Linda: frente, rellano distribuidor y vivienda H; derecha, entrando, vivienda I de su planta y recinto ascensor; izquierda, calle que separa del bloque seis y fondo, calle Ramón y Cajal. Cuota: cuatro enteros, mil novecientos veintiocho diezmilésimas por ciento.

gavelLegal & cadastral analysis

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balanceLegal analysis (AI)

Ocupacióndesconocido
Cargas (€)€121,000
Detalle cargasHipoteca a favor de CAIXA D'ESTALVIS I PENSIONS DE BARCELONA por 70.000 EUR de principal, más intereses y costas. Otra hipoteca a favor de CAIXA D'ESTALVIS I PENSIONS DE BARCELONA por 30.000 EUR de capital, más intereses y costas. Anotación de embargo administrativo letra A a favor de la TESORERIA GENERAL DE LA SEGURIDAD SOCIAL por 3.712,59 EUR. Anotación de embargo administrativo letra B a favor de la TESORERIA GENERAL DE LA SEGURIDAD SOCIAL por 3.475,40 EUR. Anotación de embargo administrativo letra C a favor de la TESORERIA GENERAL DE LA SEGURIDAD SOCIAL por 5.344,92 EUR. Anotación de embargo ejecutivo letra D a favor de CAIXABANK SA por 50.387,16 EUR de principal y 15.116,15 EUR de intereses y costas.
Hipoteca€100,000
Embargos€12,533
Puja mínima€100,700
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgohigh
Litigioshipoteca, embargo, anotacion_preventiva, afeccion_fiscal
Análisis riesgoLa propiedad tiene múltiples cargas, incluyendo dos hipotecas y varios embargos administrativos y ejecutivos, lo que aumenta la complejidad y el riesgo de la operación. La situación posesoria es desconocida, lo que podría implicar la necesidad de un proceso de desalojo. Además, la deuda reclamada es significativa en relación con el valor de subasta.

assignmentCadastral data

Cadastral ref.
6095501DG9769N0013BG
Cadastral area
103 m²
Year built
1977
Cadastral use
Residential

routeHow to bid in this auction (BOE)

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  1. 1Read the full terms on subastas.boe.es: auction value, minimum bid, increments and surviving charges.
  2. 2Request a nota simple and study prior charges — auctions do NOT wipe them all; charges prior to the annotation survive.
  3. 3Deposit the required amount (usually 5% of the auction value) through the BOE platform to be able to bid.
  4. 4Bid within the window (usually 20 calendar days). If you win, you must pay the remainder within a short deadline — effectively a cash operation.
  5. 5After the award: decree, registration and, if occupied, the possession process. Think months, not weeks.

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

Auctions are effectively cash operations: you must deposit to bid and pay the remainder shortly after the award. Don't count on a traditional mortgage within those deadlines.

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

51/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
6/15
Zone liquidity
9/15
BOE bonus
1/6

Subasta BOE en Figueres a 100,700€. Sin tasación de referencia publicada. Posesión desconocida. Subasta cierra en 16 días.

trending_upStrengths

  • +Subasta inminente: cierre en 16 días, ventana de decisión limitada (presión vendedora)

warningRisks

  • −Sin tasación judicial publicada: descuento sobre mercado no verificable

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

Figueres, Girona

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

—
Scope
Municipality
Zone median
€2,002 /m²
Period
mayo 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€100,700
Transfer tax (ITP) 10% — Cataluña€10,070
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€352
Estimated total investment€112,122

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.

gavelAuction property

Ends: 14 September 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceAug 2026 (6 days)
On Atalaya since29 Aug 2026
Last updated29 Aug 2026

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Aggregated data from public sources and servicer BOE - Portal de Subastas. 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