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AtalayaAtalaya

Calle Carrera de Ubeda, s/n

Santo Tomé, JaénHouseRef: #9BD15575

€4,420-97% vs area market
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Size

181 m²

Price / m²

€24

Rooms

1

OccupancyVacant
64
Calle Carrera de Ubeda, s/n — Santo Tomé
Photo: aliseda
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 acabado de pintura reciente, pero la parte superior de ladrillo visto está sin terminar.
  • Exterior: La puerta de entrada y las rejas de las ventanas parecen estar en buen estado, pero la zona de la acera necesita limpieza.

descriptionDescription

Descubre esta encantadora casa de segunda mano en venta, ubicada en la CALLE CARRERA DE UBEDA, en el pintoresco municipio de Santo Tomé, en la provincia de Jaén. Con una superficie construida de 181 m², esta propiedad ofrece un amplio espacio para crear el hogar de tus sueños. La casa cuenta con una acogedora habitación y un baño completo, perfecta para una persona o una pareja que busque tranquilidad y comodidad. La estructura de la vivienda proporciona un ambiente cálido y acogedor, ideal para disfrutar de momentos de relax y descanso. Jaén es una provincia que se destaca por su rica historia, su magnífico patrimonio cultural y natural, y sus espectaculares paisajes de olivos. Vivir en Jaén significa disfrutar de una calidad de vida excepcional, rodeado de naturaleza y con acceso a todas las comodidades que necesitas. Santo Tomé, por su parte, es un municipio que combina la tranquilidad de la vida rural con la cercanía a las principales ciudades de la provincia. Su entorno ofrece una atmósfera relajada y una comunidad acogedora, lo que lo convierte en un lugar atractivo para establecerse y disfrutar de la vida en un ambiente sereno y apacible. La propiedad cuenta con una categoría de certificación energética E, lo que garantiza un consumo eficiente y responsable. No pierdas la oportunidad de adquirir esta magnífica casa y empezar a disfrutar de todo lo que Santo Tomé y Jaén tienen para ofrecer.

Characteristics

Bathrooms

1

Elevator

No

Terrace

No

Parking

No

Year built

1950

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

E

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 181 m² but the cadastre records 115 m² (-36%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
1090401VH9019S0001OF
Cadastral area
115 m²
Year built
1950
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 5229 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

BUY

64/100

Confidence: High

Score breakdown

Zone delta
Not assessable
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
4/15

Vivienda de 181.00m² en Santo Tomé a 24€/m² (mediana zona 876€/m², delta %). Estado Mejorable. Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Aliseda no marca situación especial: presuponer vivienda libre

warningRisks

  • 5228 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

Santo Tomé, Jaén

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

-97.3%Strong opportunity
Scope
Province (MITMA)
Zone median
€876 /m²
This asset
€24 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

-94.5%Strong opportunity
Scope
Province (MITMA)
Zone median
€434 /m²
This asset
€24 /m²
Samples
238
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€4,420
Transfer tax (ITP) 7% — Andalucía€309
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€6,029
Estimated refurbishment (state: mejorable)€72,500€126,500

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 2 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
9 May 2026
€4,900arrow_forward€4,655-5%
21 Aug 2026
€4,655arrow_forward€4,420-5.05%

Listing intel

SourceAliseda
On the market sinceMay 2012 (5229 days)
On Atalaya since11 Apr 2026
Last updated31 Aug 2026

compare_arrowsZone comparables

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Aggregated data from public sources and servicer aliseda. 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