AtalayaAtalaya

Calle Maçana, s/n

Girona • Apartment • Ref: #93275158

€160,000-61% vs area market
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Size

122 m²

Price / m²

€1,311

Rooms

4

OccupancyOccupied · old rent
70
Calle Maçana, s/n — Girona
Photo: holapisos
1 / 2

AI visual analysis

Automated analysis · physical condition

2 of 2 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta un aspecto envejecido con persianas y ventanas que muestran signos de desgaste.
  • •Exterior: La puerta de entrada y la persiana del garaje parecen funcionales pero con un estilo anticuado.

descriptionDescription

Vivienda ubicada en Girona, ideal para familias. Con una superficie de 122 m² construidos distribuidos en 4 habitaciones y 1 baños. Se encuentra cerca del centro de Girona. En sus alrededores encontramos el CFA Nou Girona. El entorno ofrece colegios, transporte público y supermercados cercanos, proporcionando una vida cómoda y bien comunicada. Cuenta con fácil acceso a C-250, C-65 y AP-7. La zona dispone de una amplia oferta de servicios, incluyendo centros de salud, farmacias y espacios deportivos que complementan la vida diaria de los residentes. El entorno se caracteriza por su tranquilidad y por la presencia de zonas verdes y parques que invitan al paseo y al descanso al aire libre. La ubicación estratégica permite disfrutar de una excelente relación entre vida urbana y naturaleza, con múltiples opciones de ocio y cultura en las proximidades.

Characteristics

Bathrooms

1

Floor

1

Elevator

No

Terrace

No

Parking

No

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

En tr

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 270 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

BUY

70/100

Confidence: High

Score breakdown

Zone delta
30/30
Possession
6/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
13/15

Vivienda de 122.00m² en Girona a 1311€/m² (mediana zona 3325€/m², delta -60.6%). Estado Mejorable. Posesión con inquilino de renta antigua. Zona baja, 269 días en mercado.

trending_upStrengths

  • +Descuento del -60.6% frente a la mediana zonal (3325€/m²)

warningRisks

  • −Aliseda indica alquiler social obligatorio (renta protegida por ley)

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

Girona, 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

-60.6%Strong opportunity
Scope
Municipality
Zone median
€3,325 /m²
This asset
€1,311 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-5.0%In line
Scope
Postal code
Zone median
€1,380 /m²
This asset
€1,311 /m²
Samples
9
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€160,000
Transfer tax (ITP) 10% — Cataluña€16,000
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€560
Estimated total investment€177,560
Estimated refurbishment (state: mejorable)€49,000 – €85,500

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
14 Jul 2026
€168,000arrow_forward€160,000-4.76%

Listing intel

SourceAliseda
On the market sinceDec 2025 (270 days)
On Atalaya since9 May 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer holapisos. 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