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Piso en Montealegre del Castillo (albacete)

Montealegre del Castillo, Albacete • Apartment • Ref: #F7710249

€72,000-50% vs area market
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Size

117 m²

Price / m²

€617

Rooms

4

OccupancyUnconfirmed
41
Piso en Montealegre del Castillo (albacete) — Montealegre del Castillo
Photo: Urbaniza (Caja Rural)

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Balcon: El suelo de baldosas y la barandilla metalica se ven en buen estado.
  • •Exterior: La pared del balcon esta pintada de un color amarillo claro y no presenta desconchones o suciedad.

descriptionDescription

Bank-owned property managed by Urbaniza (Caja Rural) (Banco Cooperativo Español).

Characteristics

Bathrooms

2

Storage room

Yes

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

41/100

Confidence: Medium

Score breakdown

Zone delta
8/30
Possession
Not assessable
—
Physical state
20/25
Legal liens
7/15
Zone liquidity
0/15

Vivienda de 116.60m² en Montealegre del Castillo a 617€/m² (mediana zona 1234€/m², delta -50.0%). Buen Estado. Posesión desconocida. Zona muy_baja, 110 días en mercado.

trending_upStrengths

  • +Descuento del -50.0% frente a la mediana zonal (1234€/m²)
  • +Estado habitable sin reforma inmediata

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

Montealegre del Castillo, Albacete

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

-50.0%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,234 /m²
This asset
€617 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

+16.4%Above anchor
Scope
Province (MITMA)
Zone median
€530 /m²
This asset
€617 /m²
Samples
101
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€72,000
Transfer tax (ITP) 9% — Castilla-La Mancha€6,480
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€79,780

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

SourceCaja Rural
On Atalaya since12 May 2026
Last updated31 Aug 2026

Aggregated data from public sources and servicer Urbaniza (Caja Rural). 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