AtalayaAtalaya

Av/ Rafael Alberti

Lloret de Mar, Girona • Apartment • Ref: #D9F00EFC

€417,000-49% vs area market
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Size

280 m²

Price / m²

€1,491

Rooms

4

OccupancyVacant
69
Av/ Rafael Alberti — Lloret de Mar
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada de la vivienda parece estar en un estado aceptable, aunque la pintura podría necesitar un repaso.
  • •Exterior: El exterior de la propiedad muestra vegetación crecida y un muro de contención que podría necesitar mantenimiento.

descriptionDescription

Vivienda situada en la Avenida Rafael Alberti, en la localidad de Lloret de Mar, en la provincia de Girona. La vivienda tiene una superficie construida de 279.61 m2 y está distribuida en un amplio hall de entrada, que da acceso a una cocina independiente muy luminosa, y un pasillo que distribuye a un gran salón comedor, dormitorios siendo una de ellas habitación doble, y cuarto de baño completo. Se localiza en una zona consolidada con carácter urbano y residencial, situado a pocos minutos del centro de la población, rodeado por fincas de similares características. Dispone de equipamientos suficientes en el entorno como: médico-sanitario, docente, religioso, comercial, restaurantes. Cuenta con buenas comunicaciones con el resto de la localidad. Buen acceso a través de carreteras principales que rodea al municipio y lo comunican con el resto de la provincia.

Characteristics

Bathrooms

4

Year built

2009

Energy rating

D

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 279.61 m² but the cadastre records 338 m² (+21%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
5218265DG8251N0001RD
Cadastral area
338 m²
Year built
2009
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.

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

BUY

69/100

Confidence: High

Score breakdown

Zone delta
25/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
3/15

Vivienda de 279.61m² en Lloret de Mar a 1491€/m² (mediana zona 2928€/m², delta -49.1%). Estado Mejorable. Posesión libre. Zona baja, 123 días en mercado.

trending_upStrengths

  • +Descuento del -49.1% frente a la mediana zonal (2928€/m²)
  • +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

Lloret de Mar, 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

-49.1%Strong opportunity
Scope
Municipality
Zone median
€2,928 /m²
This asset
€1,491 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-11.4%Good price
Scope
Postal code
Zone median
€1,683 /m²
This asset
€1,491 /m²
Samples
12
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€417,000
Transfer tax (ITP) 10% — Cataluña€41,700
Notary (est.)€626
Land Registry (est.)€417
Admin agency (est.)€1,460
Estimated total investment€461,203
Estimated refurbishment (state: mejorable)€112,000 – €195,500

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

SourceSolvia
On the market sinceApr 2026 (124 days)
On Atalaya since28 Aug 2026
Last updated31 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