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AtalayaAtalaya

Calle Mayor

Lodosa, NavarraHouseRef: #B1222B13

€27,900-96% vs area market
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Size

373 m²

Price / m²

€75

Rooms

6

OccupancyVacant
40
Calle Mayor — Lodosa
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Derelict

Photo quality

Good

Model observations

  • Fachada: La fachada presenta un deterioro severo con desprendimientos de material y vegetación creciendo en la parte superior.
  • Balcon: Los balcones tienen barandillas oxidadas y la estructura parece inestable.
  • Exterior: Se observan elementos de sujeción externos en la fachada, indicando problemas estructurales o de estabilidad.

descriptionDescription

Casa de 373 m² ubicada en Lodosa, Navarra. Se trata de una vivienda desarrolladas en tres plantas y distribuida en salón-comedor, cocina, 6 dormitorios y 3 baños. La propiedad se sitúa en el núcleo urbano de Lodosa, una localidad reconocida por su entorno tranquilo y su cercanía al río Ebro. El acceso principal se realiza a través de la carretera NA-134, que conecta con la AP-68, facilitando la comunicación con otras localidades de la región. Además, Lodosa cuenta con servicio de autobuses interurbanos que enlazan con Pamplona, Logroño y otras poblaciones cercanas, lo que permite una movilidad eficiente tanto para residentes como para visitantes. En la zona se pueden encontrar diversos servicios como supermercados, restaurantes, instalaciones deportivas, oficinas bancarias y otros negocios comerciales. Entre los puntos de interés más destacados se encuentra el Parque de la Constitución, un espacio verde ideal para el ocio y el esparcimiento, así como el Centro de Salud de Lodosa, que garantiza atención médica cercana. Además, la localidad dispone de una piscina municipal y de un centro cultural que acoge diferentes actividades y eventos durante todo el año. Con nuestros servicios podrá encontrar la casa 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.
01-0245-01-005

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 281 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

40/100

Confidence: Medium

Score breakdown

Zone delta
Not assessable
Possession
20/20
Physical state
0/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 373.00m² en Lodosa a 75€/m² (mediana zona 1932€/m², delta %). En Ruina. Posesión libre. Zona muy_baja, 280 días en mercado.

trending_upStrengths

  • +El banco confirma posesión legal: vivienda libre para entregar

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

Lodosa, 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

-96.1%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,932 /m²
This asset
€75 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

-82.9%Strong opportunity
Scope
Province (MITMA)
Zone median
€439 /m²
This asset
€75 /m²
Samples
93
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€27,900
Transfer tax (ITP) 6% — Navarra€1,674
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€30,874
Estimated refurbishment (state: ruina)€335,500€522,000

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 sinceNov 2025 (281 days)
On Atalaya since31 Aug 2026
Last updated31 Aug 2026

compare_arrowsZone comparables

Top 5 similar properties in Lodosa by AI score

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