Calle San Bartolomé

Haro, La Rioja • Apartment • Ref: #EB774512

€19,600

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Size

38 m²

Price / m²

€516

Rooms

OccupancyVacant

Photo: Solvia

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AI visual analysis

Automated analysis · physical condition

4 of 4 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

•Fachada: La pintura de la fachada está muy deteriorada y se aprecian desconchones.
•Exterior: Las ventanas y puertas exteriores muestran signos de abandono y deterioro.
•Balcon: El balcón tiene la pintura desconchada y el suelo con manchas.

descriptionDescription

Piso de 38 m² ubicado en Haro, La Rioja. Se trata de un piso de 38 m² distribuidos en salón-comedor, cocina, 2 dormitorios y 1 baño. El piso se sitúa en el núcleo urbano de Haro, con buenos accesos mediante la carretera N-124. Dispone de transporte público a través de autobuses interurbanos y cercanía a la estación de tren Haro, que conecta con núcleos próximos. En el entorno se encuentran servicios como supermercados, restaurantes, centros educativos, instalaciones deportivas, oficinas bancarias y otros comercios. Próximo al inmueble se localiza el centro de salud Haro. 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

Elevator

Year built

1900

Pool

Air conditioning

Heating

Energy rating

gavelLegal & cadastral analysis

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assignmentCadastral data

straightenUnreconciled surface: the listing states 38 m² but the cadastre records 98 m² (+158%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.

2940914WN1124S0004EJ

Cadastral area

98 m²

Year built

1900

Cadastral use

Residential

routeHow to buy this asset from the bank

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1Contact the servicer from the official listing (or from Atalaya) and ask for availability and a viewing.
2Visit the property and verify real condition, possession and access. Ask for the habitability certificate and the energy certificate.
3Request a nota simple from the Land Registry (~€10) and the community-debt certificate.
4Submit your offer in writing. Servicers take it to committee: expect days to weeks. Offering below asking is standard practice.
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

ANALYZE

69/100

Confidence: Low

Score breakdown

Zone delta: 30/30
Possession: 20/20
Physical state: 7/25
Legal liens: 10/15
Zone liquidity: 5/15

Vivienda de 38.00m² en Haro a 516€/m² (mediana zona 1655€/m², delta -68.8%). Requiere Reforma Integral. Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

+Descuento del -68.8% frente a la mediana zonal (1655€/m²)
+El banco confirma posesión legal: vivienda libre para entregar

warningRisks

−913 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

Haro, La Rioja

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

-68.8%Strong opportunity

Scope: Municipality
Zone median: €1,655 /m²
This asset: €516 /m²
Period: mayo 2026
Source: Idealista

account_balancevs other bank assets

-28.2%Strong opportunity

Scope: City
Zone median: €719 /m²
This asset: €516 /m²
Samples: 12
Source: Atalaya (bank inventory)

Estimated acquisition costs

Asset price€19,600

Transfer tax (ITP) 7% — La Rioja€1,372

Notary (est.)€600

Land Registry (est.)€400

Admin agency (est.)€300

Estimated total investment€22,272

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 since13 Aug 2026

€66,528

€924/m² · 72 m²

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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