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Finca Palenzuela

Palenzuela, Palencia • Land • Ref: #AAF3E101

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OccupancyUnconfirmed
47
Finca Palenzuela — Palenzuela
Photo: Unicaja Inmuebles

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

sin_aplicar_no_residencial

Photo quality

unknown

descriptionDescription

Finca en la provincia de Palencia, en el municipio de Palenzuela, en la calle PJE. EL SOTO. CON INCIDENCIAS: PROINDIVISO 12,50%.

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.

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

47/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Zoning
Not assessable
—
Legal liens
7/15
Zone liquidity
7/15

Suelo unknown (unknown) de ?m² en Palenzuela a ?€/m². Sin referencia zonal. Posesión desconocida. Zona muy_baja, 112 días en mercado.

warningRisks

  • −Sin referencia zonal específica para land en esta zona

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

Palenzuela, Palencia

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.

vs free market

No reference available for this area and asset type.

account_balancevs other bank assets

—
Scope
Province (MITMA)
Zone median
€124 /m²
Samples
26
Source
Atalaya (bank inventory)

Listing intel

SourceUnicaja
On Atalaya since10 May 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer Unicaja Inmuebles. 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