AtalayaAtalaya

Calle Oceanía

Carlota (la), Córdoba • Apartment • Ref: #E5322E96

€139,500-27% vs area market
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Size

144 m²

Price / m²

€968

Rooms

3

OccupancyVacant
60
Calle Oceanía — Carlota (la)
Photo: Solvia
1 / 8

AI visual analysis

Automated analysis · physical condition

8 of 8 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Cocina: La cocina está sin amueblar y sin electrodomésticos, con las paredes alicatadas hasta media altura y tomas de agua y electricidad expuestas.
  • •Dormitorios: Los dormitorios tienen suelos de baldosas y paredes pintadas, algunos con colores vivos, y ventanas con persianas.
  • •Baños: Los baños tienen sanitarios básicos y alicatados, uno con bañera y otro con plato de ducha.
  • •Fachada: La fachada es sencilla, con un número de portal y un aparato de aire acondicionado en la parte superior.

descriptionDescription

Piso de 144 m² ubicado en La Carlota, Córdoba. Se trata de un piso distribuido en salón-comedor, cocina, 3 dormitorios y 2 baños. Tiene como anejo una plaza de aparcamiento con trastero incorporado en la planta sótano del edificio, un lavadero en la planta cubierta. A esta vivienda se le atribuye el uso exclusivo de los dos patios de luces debidamente delimitados a los que se accede desde la misma, y la porción delimitada de azoteas de 17 m². Se sitúa en el núcleo urbano de La Carlota, con acceso próximo a la autovía A-4. La localidad dispone de conexiones mediante líneas de autobús interurbano con poblaciones del entorno y Córdoba. En la zona se encuentran supermercados, comercios, centros educativos, instalaciones deportivas, restauración, entidades bancarias y el Centro de Salud de La Carlota. 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

2

Year built

2009

Energy rating

E

gavelLegal & cadastral analysis

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assignmentCadastral data

straightenUnreconciled surface: the listing states 144.17 m² but the cadastre records 161 m² (+12%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
8710701UG2781S0158TS
Cadastral area
161 m²
Year built
2009
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.

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

60/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 144.17m² en Carlota (la) a 968€/m² (mediana zona 1330€/m², delta -27.2%). Estado Mejorable. Posesión libre. Zona muy_baja, inventario reciente (25 días).

trending_upStrengths

  • +Descuento del -27.2% frente a la mediana zonal (1330€/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

Carlota (la), Córdoba

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

-27.2%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,330 /m²
This asset
€968 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

+39.7%Above anchor
Scope
Province (MITMA)
Zone median
€693 /m²
This asset
€968 /m²
Samples
184
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€139,500
Transfer tax (ITP) 7% — Andalucía€9,765
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€488
Estimated total investment€150,753
Estimated refurbishment (state: mejorable)€57,500 – €101,000

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 sinceAug 2026 (27 days)
On Atalaya since31 Aug 2026
Last updated31 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