AtalayaAtalaya

Calle Clavetaires

Campdevànol, Girona • House • Ref: #A7E654E6

€82,000
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Size

176 m²

Price / m²

€466

Rooms

3

OccupancyVacant
51
Calle Clavetaires — Campdevànol
Photo: Solvia
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AI visual analysis

Automated analysis · physical condition

32 of 32 photos analyzed

Physical condition

Good

Photo quality

Good

descriptionDescription

Se trata de una Casa de Pueblo de cuatro alturas sobre rasante, ubicada en la calle Clavetaires, en la localidad de Campdevanol, en la provincia de Girona. La vivienda tiene la siguiente distribución en las diferentes plantas sobre una superficie útil de 176 m2, un hall de entrada, que da acceso a una cocina independiente, y un pasillo que distribuye a un salón comedor, varias estancias que se considerarían dormitorios, y un cuarto de baño completo con bañera. Se localiza en una zona consolidada con carácter urbano y residencial, situado a pocos minutos del centro de la población, rodeado por fincas de similares características. Dispone de equipamientos suficientes en el entorno como: médico-sanitario, docente, religioso, comercial, restaurantes. Cuenta con buenas comunicaciones con el resto de la localidad. Buen acceso a través de carreteras principales que rodea al municipio y lo comunican con el resto de la provincia. Con nuestros servicios podrá encontrar la vivienda que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

1

Elevator

No

Year built

1880

Energy rating

E

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
1351510DG3715S0001MG
Cadastral area
176 m²
Year built
1880
Cadastral use
Residential

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 683 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

ANALYZE

51/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
20/20
Physical state
20/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 176.00m² en Campdevànol a 466€/m² (mediana zona 2739€/m², delta -83.0%). Buen Estado. Posesión libre. Zona muy_baja, stock estancado (682 días).

trending_upStrengths

  • +Descuento del -83.0% frente a la mediana zonal (2739€/m²)
  • +Estado habitable sin reforma inmediata
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −682 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

Campdevànol, 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

-83.0%Strong opportunity
Scope
Province (MITMA)
Zone median
€2,739 /m²
This asset
€466 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

-62.1%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,231 /m²
This asset
€466 /m²
Samples
523
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€82,000
Transfer tax (ITP) 10% — Cataluña€8,200
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€91,500

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 sinceOct 2024 (683 days)
On Atalaya since31 Aug 2026
Last updated31 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