AtalayaAtalaya

Calle Cuenca

Zubia (la), Granada • House • Ref: #EE7F428A

€192,000
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Size

385 m²

Price / m²

€499

Rooms

5

OccupancyVacant
50
Calle Cuenca — Zubia (la)
Photo: Solvia
1 / 38

AI visual analysis

Automated analysis · physical condition

38 of 38 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Las paredes de los dormitorios y el salón presentan desconchones y humedades, requiriendo una reforma completa.
  • •Los suelos de terrazo están desgastados y sucios, necesitando ser pulidos o reemplazados.
  • •La fachada del edificio adyacente muestra signos de deterioro y falta de mantenimiento.
  • •Las ventanas y puertas interiores son antiguas y requieren ser actualizadas.

descriptionDescription

Vivienda situada en La Zubia. Tipo: Casa.

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.

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

50/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
11/15

Vivienda de 385.00m² en Zubia (la) a 499€/m² (mediana zona 1788€/m², delta -72.1%). Requiere Reforma Integral. Posesión libre. Zona muy_baja, inventario reciente (61 días).

trending_upStrengths

  • +Descuento del -72.1% frente a la mediana zonal (1788€/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

Zubia (la), Granada

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

-72.1%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,788 /m²
This asset
€499 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

-21.8%Good price
Scope
Province (MITMA)
Zone median
€638 /m²
This asset
€499 /m²
Samples
336
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€192,000
Transfer tax (ITP) 7% — Andalucía€13,440
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€672
Estimated total investment€207,112

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 Atalaya since29 Jun 2026
Last updated29 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