AtalayaAtalaya

Tr Tejar

Gema, Zamora • House • Ref: #E95AFD86

€18,000
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Size

172 m²

Price / m²

€105

Rooms

3

OccupancyVacant
39
Tr Tejar — Gema
Photo: Solvia
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AI visual analysis

Automated analysis · physical condition

16 of 16 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •La cocina presenta azulejos y mobiliario antiguos, con suciedad y desgaste en el suelo.
  • •El baño muestra un estado de abandono, con escombros en el suelo y azulejos deteriorados.
  • •Varias estancias interiores tienen humedades visibles en las paredes y suelos sucios o dañados.
  • •La fachada exterior parece estar en un estado aceptable, con rejas en las ventanas.

descriptionDescription

Casa adosada de planta baja y primera situada en el caso urbano en el municipio de Gema provincia de Zamora. Se ubica sobre una parcela de 145 m², con una superficie construida de 172 m² en total, siendo 93 metros los correspondientes a vivienda en planta baja, distribuida en salón, cocina, baño, tres dormitorios y un trastero. En planta primera de 79 metros hay un almacén y una terraza. El resto de la parcela se destina a patio. Gema, localidad ubicada en la Tierra del Vino, en Zamora y de origen romano, alberga gran cantidad de historias por su pasado. La vivienda necesita reforma integral. Con nuestros servicios podrá encontrar la vivienda 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

1

Elevator

No

Year built

1900

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

Energy rating

E

gavelLegal & cadastral analysis

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assignmentCadastral data

Cadastral ref.
8988602TL7888N0001RZ
Cadastral area
172 m²
Year built
1900
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.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

AVOID

39/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 172.00m² en Gema a 105€/m² (mediana zona 1009€/m², delta -89.6%). Requiere Reforma Integral. Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -89.6% frente a la mediana zonal (1009€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −917 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

Gema, Zamora

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

-89.6%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,009 /m²
This asset
€105 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€18,000
Transfer tax (ITP) 8% — Castilla y León€1,440
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€20,740

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 since12 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