AtalayaAtalaya

Coruña (da)

Lugo • Land • Ref: #EDDD28E6

€186,000
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Size

532 m²

Price / m²

€350

OccupancyVacant
69
Coruña (da) — Lugo
Photo: Solvia
1 / 5

AI visual analysis

Automated analysis · physical condition

5 of 5 photos analyzed

Physical condition

sin_aplicar_no_residencial

Photo quality

unknown

descriptionDescription

Solar de uso residencial en Lugo, provincia de Lugo, de tipología plurifamiliar con una superficie de 645 m², con edificabilidad estimada de 2.635 m² y un número estimado de 14 unidades a edificar. El % de propiedad que se posee en la finca registral es del 100 %. Calificación de Ordenanza Manzana Cerrada entre medianeras. Uso característico de vivienda, hotelero, garaje, aparcamiento, asistencia sanitaria, docente y cultural. Tipo de ordenación en manzana cerrada entre medianeras con un número de plantas sobre rasante de 8 plantas + bajo cubierta.

Characteristics

Elevator

No

Year built

1973

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 532 m² but the cadastre records 670 m² (+26%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
6554004PH1665S0001JY
Cadastral area
670 m²
Year built
1973
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

BUY

69/100

Confidence: High

Score breakdown

Zone delta
Not assessable
—
Possession
20/20
Zoning
22/25
Legal liens
10/15
Zone liquidity
10/15

Suelo urbano (uso residencial) de 532.00m² en Lugo a 350€/m² (mediana zona 137€/m², delta %). Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +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

Lugo, Lugo

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.

vs free market

No reference available for this area and asset type.

account_balancevs other bank assets

+124.4%Above anchor
Scope
City
Zone median
€156 /m²
This asset
€350 /m²
Samples
11
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€186,000
Transfer tax (ITP) 9% — Galicia€16,740
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€651
Estimated total investment€204,391

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 May 2026
Last updated30 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