AtalayaAtalaya

Mel

La Coromina, Cardona, Barcelona • Apartment • Ref: #DF86085B

€19,000-60% vs area market
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Size

67 m²

Price / m²

€284

OccupancyVacant
75
Mel — La Coromina, Cardona
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Piso situado en un edificio de cinco alturas sobre rasante, ubicado en la localidad de Cardona, en la provincia de Barcelona. El edificio tiene una antigüedad de 109 años, construido en el año 1910, sin ascensor. La vivienda tiene una superficie de 67.0 metros cuadrados construidos y 55.26 metros cuadrados utiles, compuesto por tres dormitorios, un baño, salon-comedor y cocina.

Characteristics

Elevator

No

Year built

1910

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

Energy rating

G

gavelLegal & cadastral analysis

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assignmentCadastral data

Cadastral ref.
2007029CG9420N0009QQ
Cadastral area
67 m²
Year built
1910
Cadastral use
Residential

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 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.

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

75/100

Confidence: High

Score breakdown

Zone delta
30/30
Possession
20/20
Physical state
Not assessable
—
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 67.00m² en Cardona a 284€/m² (mediana zona 706€/m², delta -59.8%). Estado Pendiente De Análisis Visual. Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -59.8% frente a la mediana zonal (706€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −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

La Coromina, Cardona, Barcelona

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

-59.8%Strong opportunity
Scope
Municipality
Zone median
€706 /m²
This asset
€284 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-83.0%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,668 /m²
This asset
€284 /m²
Samples
3726
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€19,000
Transfer tax (ITP) 10% — Cataluña€1,900
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€22,200

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 (919 days)
On Atalaya since28 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