AtalayaAtalaya

Calle Mayor

Fitero, Navarra • House • Ref: #AA15CEC9

€39,270
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Size

122 m²

Price / m²

€322

OccupancyVacant
51
Calle Mayor — Fitero
Photo: Solvia
1 / 22

AI visual analysis

Automated analysis · physical condition

22 of 22 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Casa adosada de 122 m² a la venta en Fitero, en la provincia de Navarra. Esta vivienda de segunda mano está distribuida en varias dependencias y servicios, de planta baja y tres pisos. Casa adosada situada en el núcleo urbano, con buenos accesos por la carretera N-113. Cuenta con servicios en la zona como supermercados, restaurantes, instalaciones deportivas, centros educativos y otros comercios. Dispone de transporte público mediante líneas de autobús interurbano. A pocos minutos del centro de salud del municipio e instalaciones deportivas municipales. Con nuestros servicios podrá encontrar la casa adosada 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.

gavelLegal & cadastral analysis

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assignmentCadastral data

Cadastral ref.
310000000001545349ZM

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 1595 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

ANALYZE

51/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
20/20
Physical state
Not assessable
—
Legal liens
10/15
Zone liquidity
7/15

Vivienda de 121.92m² en Fitero a 322€/m² (mediana zona 1932€/m², delta -83.3%). Estado Pendiente De Análisis Visual. Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -83.3% frente a la mediana zonal (1932€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −1594 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

Fitero, Navarra

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

-83.3%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,932 /m²
This asset
€322 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

-26.7%Strong opportunity
Scope
Province (MITMA)
Zone median
€439 /m²
This asset
€322 /m²
Samples
93
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€39,270
Transfer tax (ITP) 6% — Navarra€2,356
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€42,926

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 sinceApr 2022 (1595 days)
On Atalaya since11 May 2026
Last updated31 Aug 2026

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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