AtalayaAtalaya

Xop 3 Ur. les Comes, 5.1

Sils, Girona • House • Ref: #E7D3FD9B

€185,000-45% vs area market
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Size

235 m²

Price / m²

€787

Rooms

3

OccupancyUnconfirmed
48
Xop 3 Ur. les Comes, 5.1 — Sils
Photo: Altamira
1 / 17

AI visual analysis

Automated analysis · physical condition

17 of 17 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •El exterior de la propiedad muestra un estado general aceptable, con vegetación y un camino de acceso que podría necesitar mantenimiento.
  • •La fachada de la casa parece estar en buen estado, con persianas y balcones funcionales.
  • •El interior de la vivienda, específicamente el salón, presenta paredes recién pintadas y suelos de baldosas en buen estado, aunque la decoración es básica.
  • •Se observan radiadores y un aparato de aire acondicionado, indicando que las instalaciones básicas están presentes y operativas.

descriptionDescription

Chalet en Xop 3 Ur. Les Comes, 5.1, Sils, Girona. Superficie: 235.09 m², 3 habitaciones, 3 baños. Equipamiento: terraza, garaje, trastero, jardín.

Characteristics

Bathrooms

3

Elevator

No

Terrace

Yes

Parking

Yes

Year built

2007

Pool

No

Air conditioning

No

Heating

No

Storage room

Yes

Garden

Yes

gavelLegal & cadastral analysis

expand_more

assignmentCadastral datahelpUnverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

Cadastral ref.
8238209DG7383N
Cadastral area
254 m²
Year built
2007
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.

handshakeThis asset has been listed for 544 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

ANALYZE

48/100

Confidence: Medium

Score breakdown

Zone delta
8/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
10/15
Zone liquidity
9/15

Vivienda de 235.09m² en Sils a 787€/m² (mediana zona 1434€/m², delta -45.1%). Estado Mejorable. Posesión desconocida. Zona muy_baja, stock estancado (543 días).

trending_upStrengths

  • +Descuento del -45.1% frente a la mediana zonal (1434€/m²)

warningRisks

  • −543 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

Sils, 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

-45.1%Strong opportunity
Scope
Municipality
Zone median
€1,434 /m²
This asset
€787 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-36.1%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,231 /m²
This asset
€787 /m²
Samples
523
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€185,000
Transfer tax (ITP) 10% — Cataluña€18,500
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€648
Estimated total investment€205,148
Estimated refurbishment (state: mejorable)€94,000 – €164,500

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.
9 Apr 2026
€190,000arrow_forward€185,000-2.63%

Listing intel

SourceAltamira
On the market sinceMar 2025 (544 days)
On Atalaya since11 Apr 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer Altamira. 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