AtalayaAtalaya

Calle Rio Tajo, s/n

La Paz, Murcia • Apartment • Ref: #F0B318F6

€20,900-65% vs area market
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Size

55 m²

Price / m²

€380

Rooms

3

OccupancyOccupied · no title
60
Calle Rio Tajo, s/n — La Paz, Murcia
Photo: holapisos
1 / 20

AI visual analysis

Automated analysis · physical condition

20 of 20 photos analyzed

Physical condition

Good

Photo quality

Good

descriptionDescription

Práctico piso en Puente Tocinos, Murcia, perfecto para familias. El inmueble consta de 55 m² distribuidos en 3 habitaciones, salón-comedor, cocina con acceso al lavadero además de 1 aseo. Situado en la 3a planta del edificio, sin ascensor. Situado en el centro de Puente Tocinos a escasos minutos de Catedral de Murcia, en sus alrededores encontramos el Hospital Quirónsalud Murcia, la Universidad de Murcia, supermercados, bancos, bibliotecas, farmacias, oficinas de correos, centros deportivos y paradas de autobús. Con fácil acceso a N-340.

Characteristics

Bathrooms

1

Floor

3

Elevator

No

Terrace

No

Parking

No

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

G

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 1082 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

60/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
2/20
Physical state
20/25
Legal liens
10/15
Zone liquidity
12/15

Vivienda de 55.00m² en Murcia a 380€/m² (mediana zona 1075€/m², delta -64.7%). Buen Estado. Posesión con ocupación irregular. Zona alta, más de 2 años sin vender.

location_off

Score moderated · working-class neighborhood

The municipal median overstates the real discount in this barrio. We've capped the zone-discount component at 19/30 to avoid surfacing illiquid assets as opportunities.

“Práctico piso en Puente Tocinos, Murcia”

trending_upStrengths

  • +Descuento del -64.7% frente a la mediana zonal (1075€/m²)
  • +Estado habitable sin reforma inmediata

warningRisks

  • −Aliseda marca la vivienda como ocupada sin título legal
  • −1081 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

La Paz, Murcia, Murcia

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

-64.7%Strong opportunity
Scope
Neighbourhood
Zone median
€1,075 /m²
This asset
€380 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-29.0%Strong opportunity
Scope
Postal code
Zone median
€535 /m²
This asset
€380 /m²
Samples
8
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€20,900
Transfer tax (ITP) 8% — Murcia€1,672
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€23,872

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

SourceAliseda
On the market sinceSept 2023 (1082 days)
On Atalaya since21 Apr 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer holapisos. 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