AtalayaAtalaya

Tramuntana

Terrades, Girona • Land • Ref: #DC2C3E4F

€99,800
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Size

2447 m²

Price / m²

€41

OccupancyVacant
74
Tramuntana — Terrades
Photo: Solvia
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AI visual analysis

Automated analysis · physical condition

6 of 6 photos analyzed

Physical condition

sin_aplicar_no_residencial

Photo quality

unknown

descriptionDescription

Suelo urbano de uso residencial en Calle Tramuntana, en el municipio de Terrades, provincia de Girona. Dispone de una superficie de 438 m2. La topografía natural del terreno es llana, con fachada a una calle. Se trata un terreno urbano consolidado La caracterización urbana, es que se trata de una zona con desarrollo finalizado, con una consolidación de nivel medio alto. Existe pavimentación, alcantarillado, suministro de agua, suministro de luz, existe suministro de gas por red general, dispone de postes de servicio telefónico, alumbrado público, la conservación de la calidad de las infraestructuras colindantes es de nivel medio.

gavelLegal & cadastral analysis

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assignmentCadastral data

Cadastral ref.
6645704DG8864N0001UY
Cadastral use
Urbanization works · undeveloped land

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 1006 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.

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

74/100

Confidence: High

Score breakdown

Zone delta
30/30
Possession
20/20
Zoning
15/25
Legal liens
10/15
Zone liquidity
0/15

Suelo urbanizable (uso unknown) de 2447.13m² en Terrades a 41€/m² (mediana zona 95€/m², delta -56.8%). Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -56.8% frente a la mediana zonal (95€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −1003 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

Terrades, 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.

vs free market

No reference available for this area and asset type.

account_balancevs other bank assets

-64.3%Strong opportunity
Scope
Province (MITMA)
Zone median
€115 /m²
This asset
€41 /m²
Samples
324
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€99,800
Transfer tax (ITP) 10% — Cataluña€9,980
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€349
Estimated total investment€111,129

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 2023 (1006 days)
On Atalaya since29 Aug 2026
Last updated29 Aug 2026

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