AtalayaAtalaya

House in Lucena

Lucena, Córdoba • Ref: #0517DF4D

€135,000
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Size

345 m²

Price / m²

€391

Rooms

13

OccupancyUnconfirmed
52
House in Lucena — Lucena
Photo: Hipoges
1 / 2

AI visual analysis

Automated analysis · physical condition

2 of 2 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta un aspecto descuidado con ventanas tapiadas o sin acristalar, y la pintura está deteriorada.
  • •Exterior: El entorno de la propiedad muestra vegetación sin cuidar y un camino de tierra, indicando falta de mantenimiento general.

Description

NO COBRAMOS COMISIÓN DE INTERMEDIACIÓN AL COMPRADOR Excelente oportunidad de adquirir esta vivienda en propiedad ubicada en el partido Dehesa de Castil Rubio, término del municipio Lucena conocido por "Cortijo del Enamorado" en la provincia de Córdoba. Disponemos de este inmueble en edificio residencial que puedes adquirir en propiedad, muy bien distribuido optimizando los espacios, ofreciendo todo lo que necesitas para una vida cómoda y moderna. Consta de dos plantas con salón con chimenea, 13 habitaciones con cuarto de baño, patio y terraza. La casa tiene 350 m² sobre una parcela de 6.150 metros, pudiendo ser destinada a pequeño hotel rural. Situado en una zona con encanto, rodeado de una zona de olivar, donde se respira mucha tranquilidad, invitando al descanso. Lucena se encuentra muy bien comunicada por carretera. En una zona inmejorable muy bien comunicada por carretera, lo que facilita los desplazamientos a distintos puntos de la región o del país. Situado en una zona residencial tranquila, esta vivienda disfruta de una ubicación estratégica. Dispone de todos los servicios públicos o privados necesarios como pequeño comercio de proximidad, supermercados y gran oferta gastronómica. Hipoges es una plataforma inmobiliaria donde podrás acceder a miles de activos inmobiliarios de diferentes tipos como viviendas, locales comerciales, terrenos, nueva obra, tanto a nivel particular como para inversores. Hipoges cuenta con una amplia cartera de activos inmuebles tanto en España como en Portugal y Grecia. ¿Necesitas financiación? Te ofrecemos la posibilidad de financiaciones de hasta el 100% para la compra de este inmueble. Entra en Finanwin.com, haz tu simulación y obtén la mejor oferta para tu Hipoteca de la manera más ágil y sencilla.

Characteristics

Bathrooms

13

Elevator

No

Terrace

No

Parking

No

Year built

1998

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

E

Legal & cadastral analysis

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Cadastral data

Unverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

Cadastral ref.
14038A01500097

How 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.

Minimum 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).

Debts 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.

Financing

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

52/100

Confidence: Low

Score breakdown

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

Vivienda de 345.00m² en Lucena a 391€/m² (mediana zona 1125€/m², delta -65.2%). Requiere Reforma Integral. Posesión desconocida. Zona baja, inventario reciente (5 días).

Strengths

  • +Descuento del -65.2% frente a la mediana zonal (1125€/m²)

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

Lucena, Córdoba

Price 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

-65.2%Strong opportunity
Scope
Municipality
Zone median
€1,125 /m²
This asset
€391 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

-66.4%Strong opportunity
Scope
City
Zone median
€1,165 /m²
This asset
€391 /m²
Samples
35
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€135,000
Transfer tax (ITP) 7% — Andalucía€9,450
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€473
Estimated total investment€145,923

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

SourceHipoges
On Atalaya since24 Sept 2026
Last updated9 Oct 2026

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Aggregated data from public sources and servicer Hipoges. 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