AtalayaAtalaya

Urbanización En Villa de Ferreira de Valle del Oro

Lugo • House • Ref: #95155B3C

€16,000-50% vs area market
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Size

25 m²

Price / m²

€640

Rooms

1

OccupancyUnconfirmed
58
Urbanización En Villa de Ferreira de Valle del Oro — Lugo
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Exterior: La fachada de ladrillo y la puerta azul muestran signos de desgaste y falta de mantenimiento.
  • •Exterior: La vegetación está crecida y desordenada alrededor de las estructuras, indicando abandono.
  • •Exterior: Se observa un terreno con hierba alta y algunos desechos, lo que sugiere falta de cuidado.

descriptionDescription

Lote formado por 2 casas, una cuadra y un suelo situado en la localidad de O Valadouro, provincia de Lugo. Las viviendas tienen unas superficies de 25 m² cada una, la cuadra de 20 m² y el suelo rústico de 204 m². La localidad está comunicada mediante los accesos viarios LU-160, LU-152 y LU-P-0101, además de autobuses interurbanos. La zona cuenta con equipamiento básico, restaurantes, colegio, jardín de infancia, disponiendo del resto de servicios en el entorno más próximo. Con nuestros servicios podrá encontrar la vivienda que necesita. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

1

Year built

1960

gavelLegal & cadastral analysis

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assignmentCadastral data

straightenUnreconciled surface: the listing states 25 m² but the cadastre records 33 m² (+32%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
6532019PJ2263S0001XJ
Cadastral area
33 m²
Year built
1960
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.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

ANALYZE

58/100

Confidence: Medium

Score breakdown

Zone delta
25/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 25.00m² en Lugo a 640€/m² (mediana zona 1270€/m², delta -49.6%). Estado Mejorable. Posesión desconocida. Zona muy_baja, 95 días en mercado.

trending_upStrengths

  • +Descuento del -49.6% frente a la mediana zonal (1270€/m²)

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

Lugo, Lugo

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

-49.6%Strong opportunity
Scope
Municipality (MITMA)
Zone median
€1,270 /m²
This asset
€640 /m²
Samples
269
Period
Q4-2025
Source
MITMA

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€16,000
Transfer tax (ITP) 9% — Galicia€1,440
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€18,740
Estimated refurbishment (state: mejorable)€10,000 – €17,500

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.

Listing intel

SourceSolvia
On the market sinceMay 2026 (98 days)
On Atalaya since29 Aug 2026
Last updated29 Aug 2026

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