AtalayaAtalaya

Figueres

Figueres, Girona • Apartment • Ref: #CD31C134

€161,000-36% vs area market
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Size

125 m²

Price / m²

€1,288

Rooms

4

OccupancyUnconfirmed
55
Figueres — Figueres
Photo: Retama Real Estate (UCI)

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Balcón: El suelo de baldosas presenta manchas y desgaste general.
  • •Balcón: Las paredes muestran suciedad y algunas marcas, indicando falta de mantenimiento.
  • •Balcón: La carpintería de la ventana parece funcional pero con signos de uso y suciedad.

descriptionDescription

-Pendiente de obtención cédula. La propiedad valorará ofertas, quedando la compraventa sujeta a aceptación expresa del ve...

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.

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

55/100

Confidence: Medium

Score breakdown

Zone delta
25/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
1/15

Vivienda de 125.00m² en Figueres a 1288€/m² (mediana zona 2002€/m², delta -35.7%). Estado Mejorable. Posesión desconocida. Zona baja, inventario reciente (78 días).

trending_upStrengths

  • +Descuento del -35.7% frente a la mediana zonal (2002€/m²)

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

-35.7%Strong opportunity
Scope
Municipality
Zone median
€2,002 /m²
This asset
€1,288 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+24.3%Above anchor
Scope
City
Zone median
€1,036 /m²
This asset
€1,288 /m²
Samples
34
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€161,000
Transfer tax (ITP) 10% — Cataluña€16,100
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€564
Estimated total investment€178,664
Estimated refurbishment (state: mejorable)€50,000 – €87,500

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

SourceRetama
On Atalaya since13 Jun 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer Retama Real Estate (UCI). 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