AtalayaAtalaya

Calle San Pablo

El Algar, Murcia • House • Ref: #05DD79FB

€115,000
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Size

135 m²

Price / m²

€854

Rooms

4

OccupancyVacant
43
Calle San Pablo — El Algar
Photo: Solvia
1 / 19

AI visual analysis

Automated analysis · physical condition

19 of 19 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta desconchones en la pintura y suciedad en la pared.
  • •Salon: El salón tiene paredes con pintura deteriorada y el techo muestra manchas de humedad.
  • •Cocina: La cocina está destripada, con muebles antiguos y deteriorados, y el techo presenta daños.
  • •Pasillo: El pasillo tiene paredes con azulejos antiguos y sucios, y el techo está en mal estado.

descriptionDescription

Casa de 135 m² ubicada en El Algar, Murcia. Se trata de una casa de 135 m² distribuidos en salón-comedor, cocina, 4 dormitorios y 2 baños. La casa se sitúa en el núcleo urbano de El Algar, con accesos cercanos por la autovía RM-12 y conexiones a través de la carretera N-332. El Algar dispone de líneas de autobús interurbano que enlazan la zona con Cartagena y municipios cercanos. En el núcleo urbano se pueden encontrar servicios como supermercados, restaurantes, instalaciones deportivas, centros educativos, oficinas bancarias y otros negocios comerciales. Cerca de la vivienda se localizan el centro de salud El Algar, el polideportivo municipal y a pocos minutos la Playa de Los Nietos. Con nuestros servicios podrá encontrar la casa que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

2

Elevator

No

Year built

1976

Pool

No

Air conditioning

No

Heating

No

Garden

No

Energy rating

E

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
8288701XG8688N0007GY
Cadastral area
144 m²
Year built
1979
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.

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

43/100

Confidence: High

Score breakdown

Zone delta
0/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
8/15

Vivienda de 134.59m² en El Algar a 854€/m² (mediana zona 724€/m², delta +18.0%). Requiere Reforma Integral. Posesión libre. Zona muy_baja, inventario reciente (16 días).

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 1377 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

trending_upStrengths

  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −Precio +18.0% por encima de mediana zonal

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

El Algar, 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.

vs free market

No reference available for this area and asset type.

account_balancevs other bank assets

+13.1%Above anchor
Scope
Province (MITMA)
Zone median
€755 /m²
This asset
€854 /m²
Samples
1222
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€115,000
Transfer tax (ITP) 8% — Murcia€9,200
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€403
Estimated total investment€125,603

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 sinceAug 2026 (24 days)
On Atalaya since1 Sept 2026
Last updated22 Sept 2026

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