Saltar al contenido
AtalayaAtalaya

Calle Ermita

Espinardo, MurciaHouseRef: #CD8BCD74

€69,000-57% vs area market
open_in_newView original listing

Get new bank-owned properties in Murcia under your budget by email. Free.

Size

115 m²

Price / m²

€600

Rooms

3

OccupancyVacant
90
Calle Ermita — Espinardo, Murcia
Photo: Solvia
1 / 21

AI visual analysis

Automated analysis · physical condition

21 of 21 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Casa de 115 m² ubicada en Murcia. Se trata de una vivienda distribuida en salón-comedor, cocina, 3 dormitorios y 1 baño. La casa se sitúa en el núcleo urbano de Murcia, concretamente en una zona tranquila y residencial, con acceso directo desde la calle. Cuenta con excelentes comunicaciones gracias a su proximidad a la carretera A-30, que conecta con otras áreas de la ciudad y localidades cercanas. Además, dispone de acceso a transporte público, incluyendo líneas de autobús urbano que facilitan el desplazamiento por la ciudad. La estación de tren Murcia del Carmen, que ofrece conexiones regionales y nacionales, se encuentra a poca distancia, lo que añade comodidad para quienes necesitan viajar frecuentemente. En la zona se pueden encontrar servicios esenciales como supermercados, restaurantes, centros educativos y oficinas bancarias, además de instalaciones deportivas y otros negocios comerciales. También destaca la cercanía a puntos de interés como el Hospital General Universitario Reina Sofía, que ofrece atención médica de alta calidad, y el Centro Comercial Nueva Condomina, ideal para realizar compras y disfrutar de actividades de ocio. Asimismo, la vivienda está próxima a espacios verdes y parques, perfectos para disfrutar de actividades al aire libre. 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.

Characteristics

Bathrooms

1

Elevator

No

Year built

1950

Pool

No

Air conditioning

No

Heating

No

Energy rating

F

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
1985202XH6018S0001BP
Cadastral area
115 m²
Year built
1950
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 918 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

BUY

90/100

Confidence: High

Score breakdown

Zone delta
30/30
Possession
20/20
Physical state
Not assessable
Legal liens
10/15
Zone liquidity
12/15

Vivienda de 115.00m² en Murcia a 600€/m² (mediana zona 1398€/m², delta -57.1%). Estado Pendiente De Análisis Visual. Posesión libre. Zona alta, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -57.1% frente a la mediana zonal (1398€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • 917 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

Espinardo, Murcia, Murcia

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

-57.1%Strong opportunity
Scope
Neighbourhood
Zone median
€1,398 /m²
This asset
€600 /m²
Period
abril 2026
Source
Idealista

account_balancevs other bank assets

-8.0%In line
Scope
Postal code
Zone median
€652 /m²
This asset
€600 /m²
Samples
82
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€69,000
Transfer tax (ITP) 8% — Murcia€5,520
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€75,820

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 sinceFeb 2024 (918 days)
On Atalaya since1 Jul 2026
Last updated31 Aug 2026

compare_arrowsZone comparables

Top 5 similar properties in Murcia 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