AtalayaAtalaya

Untitled property

Figueres, Girona • Apartment • Ref: #A196AD23

€212,300
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Size

106 m²

Price / m²

€2,003

Rooms

3

OccupancyOccupied · type to verify
51
Untitled property — Figueres
Photo: Altamira
1 / 17

AI visual analysis

Automated analysis · physical condition

17 of 17 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Salon: El suelo de parquet está en buen estado y las paredes recién pintadas.
  • •Cocina: La cocina está equipada con electrodomésticos modernos y encimeras de granito.
  • •Dormitorio: Las habitaciones tienen suelos de parquet y paredes blancas, con ventanas en buen estado.

descriptionDescription

Piso en Figueres, Girona. Superficie: 106 m², 3 habitaciones, 2 baños. Equipamiento: terraza, garaje, aire acondicionado, calefacción, trastero.

Characteristics

Bathrooms

2

Elevator

No

Terrace

Yes

Parking

Yes

Year built

2019

Pool

No

Air conditioning

Yes

Heating

Yes

Storage room

Yes

Garden

No

gavelLegal & cadastral analysis

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assignmentCadastral datahelpUnverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

straightenUnreconciled surface: the listing states 106 m² but the cadastre records 2482 m² (+2242%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
17072A01400014
Cadastral area
2482 m²
Year built
2019
Cadastral use
Offices

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

51/100

Confidence: High

Score breakdown

Zone delta
4/30
Possession
10/20
Physical state
20/25
Legal liens
10/15
Zone liquidity
10/15

Vivienda de 106.00m² en Figueres a 2003€/m² (mediana zona 2002€/m², delta +0.0%). Buen Estado. Posesión con ocupación a verificar. Zona baja, inventario reciente (63 días).

trending_upStrengths

  • +Estado habitable sin reforma inmediata

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

0.0%In line
Scope
Municipality
Zone median
€2,002 /m²
This asset
€2,003 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+95.0%Above anchor
Scope
Postal code
Zone median
€1,027 /m²
This asset
€2,003 /m²
Samples
16
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€212,300
Transfer tax (ITP) 10% — Cataluña€21,230
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€743
Estimated total investment€235,273

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

SourceAltamira
On the market sinceJun 2026 (64 days)
On Atalaya since29 Jun 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer Altamira. 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