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House in Agoncillo

Calle La Paz, 10

Agoncillo, La Rioja • Ref: #07DA26B0

€23,400
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Size

200 m²

Price / m²

€117

Rooms

7

OccupancyVacant
60
Calle La Paz, 10 — Agoncillo
Photo: sareb
1 / 8

AI visual analysis

Automated analysis · physical condition

8 of 8 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Los suelos de madera en algunas habitaciones muestran desgaste y suciedad, indicando necesidad de limpieza o reemplazo.
  • •Las paredes presentan manchas de humedad y pintura descascarada en varias áreas, especialmente en el pasillo y una de las habitaciones.
  • •Una de las habitaciones tiene un suelo con baldosas antiguas y paredes con un revestimiento deteriorado.
  • •La fachada exterior del edificio muestra signos de deterioro en el revoque y la pintura, con cables expuestos.

Description

Vivienda ubicada en Agoncillo, Rioja, la, ideal para familias. Con una superficie de 200 metros cuadrados construidos distribuidos en 7 habitaciones y 1 baños. El inmueble cuenta con aire acondicionado y calefacción. Se encuentra cerca del centro de Agoncillo. El entorno ofrece colegios, transporte público y supermercados cercanos, proporcionando una vida cómoda y bien comunicada. La zona cuenta con buenos accesos por carretera. La zona ofrece un entorno agradable con amplias aceras y zonas verdes cercanas. El municipio de Agoncillo cuenta con una amplia oferta de servicios sanitarios, educativos y comerciales. La ubicación permite disfrutar de un ambiente tranquilo y familiar, con todos los servicios necesarios a pocos minutos. En los alrededores se pueden encontrar farmacias, centros médicos y áreas recreativas para el disfrute de toda la familia.

Characteristics

Bathrooms

1

Elevator

No

Terrace

No

Parking

No

Year built

1888

Pool

Yes

Air conditioning

Yes

Heating

Yes

Storage room

No

Garden

No

Energy rating

En tr

Legal & cadastral analysis

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Cadastral data

Cadastral ref.
8496304WM5989N0001YR
Cadastral area
200 m²
Year built
1888
Cadastral use
Residential

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.

handshakeThis asset has been listed for 4640 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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

60/100

Confidence: Low

Score breakdown

Zone delta
30/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
Not assessable
—

Vivienda de 200.00m² en Agoncillo a 117€/m² (mediana zona 314€/m², delta -62.7%). Requiere Reforma Integral. Posesión libre. Zona muy_baja, más de 2 años sin vender.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 113 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Strengths

  • +Descuento del -62.7% frente a la mediana zonal (314€/m²)
  • +Aliseda declara el activo con posesión: libre para entregar

Risks

  • −4621 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

Agoncillo, La Rioja

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

No reference available for this area and asset type.

vs other bank assets

-57.8%Strong opportunity
Scope
Province (MITMA)
Zone median
€277 /m²
This asset
€117 /m²
Samples
116
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€23,400
Transfer tax (ITP) 7% — La Rioja€1,638
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€26,338

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
6 Oct 2026
€26,000arrow_forward€23,400-10%

Listing intel

SourceAliseda
On the market sinceFeb 2014 (4640 days)
On Atalaya since8 May 2026
Last updated24 Oct 2026
See all bank-owned properties in Agoncillo

Aggregated data from public sources and servicer sareb. 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