AtalayaAtalaya

Calle Miguel de Ara

Casco Histórico, Zaragoza • Apartment • Ref: #CEAE8452

€59,000-48% vs area market
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Size

49 m²

Price / m²

€1,204

Rooms

2

OccupancyOccupied · no titleDeduced by AI
50
Calle Miguel de Ara — Casco Histórico, Zaragoza
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Balcon: La pared presenta desconchones y la pintura está deteriorada.
  • •Balcon: El suelo de baldosas está sucio y muestra signos de desgaste.

descriptionDescription

Oportunidad sólo para inversores. El activo se encuentra ocupado por persona sin justo título. Debido al estado ocupacional del activo, no se pueden realizar visitas al mismo. Piso de 49 m² ubicado en Zaragoza. Se trata de un piso de 49 m² distribuidos en salón-comedor, cocina, 2 dormitorios y 1 baño. El piso se sitúa en el barrio Casco Histórico, en núcleo urbano, teniendo buenos accesos por la Z-30, N-232, A-2 y AP-68. Dispone de comunicaciones mediante líneas de autobús urbano y se encuentra a pocos minutos de estaciones de cercanías y tren. En la zona podemos encontrar servicios como supermercados, restaurantes, centros educativos, instalaciones deportivas, centros de salud, oficinas bancarias y otros comercios. Cerca de la Basílica del Pilar, la Catedral del Salvador, el Mercado Central de Zaragoza y a pocos minutos del Hospital Nuestra Señora de Gracia. Con nuestros servicios podrá encontrar el piso 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

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
6037221XM7163E0005ZZ

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 919 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

50/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
2/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
8/15

Vivienda de 49.00m² en Zaragoza a 1204€/m² (mediana zona 2335€/m², delta -48.4%). Estado Mejorable. Posesión con ocupación irregular. Zona baja, más de 2 años sin vender.

location_off

Score moderated · working-class neighborhood

The municipal median overstates the real discount in this barrio. We've capped the zone-discount component at 19/30 to avoid surfacing illiquid assets as opportunities.

“El piso se sitúa en el barrio Casco Histórico”

trending_upStrengths

  • +Descuento del -48.4% frente a la mediana zonal (2335€/m²)

warningRisks

  • −IA detectó: El activo se encuentra ocupado por persona sin justo título.
  • −915 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

Casco Histórico, Zaragoza, Zaragoza

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

-48.4%Strong opportunity
Scope
District
Zone median
€2,335 /m²
This asset
€1,204 /m²
Period
abril 2026
Source
Idealista

account_balancevs other bank assets

-29.1%Strong opportunity
Scope
Postal code
Zone median
€1,698 /m²
This asset
€1,204 /m²
Samples
25
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€59,000
Transfer tax (ITP) 8% — Aragón€4,720
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€65,020
Estimated refurbishment (state: mejorable)€19,500 – €34,500

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
24 Jul 2026
€69,000arrow_forward€59,000-14.49%

Listing intel

SourceSolvia
On the market sinceFeb 2024 (919 days)
On Atalaya since26 Jun 2026
Last updated28 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