AtalayaAtalaya

Apartment in Viveiro

Viveiro, Lugo • Ref: #09B4057A

€95,000
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Size

250 m²

Price / m²

€380

Rooms

4

OccupancyUnconfirmed
46
Apartment in Viveiro — Viveiro
Photo: Diglo
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AI visual analysis

Automated analysis · physical condition

19 of 19 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: edificio residencial plurifamiliar con huecos de obra abiertos sin cerramiento en la planta primera.
  • •Pasillo: zonas comunes y portal en buen estado de conservacion con revestimientos de madera y marmol.
  • •Salon: espacio interior totalmente en bruto, sin tabiqueria terminada, sin instalaciones y con huecos de ventana sin carpinteria.

Description

Vivienda en Entreplanta en venta. Se encuentra a escasos metros de la playa de Covas en Viveiro. Con una superficie de 250 m² se localiza en un edificio construido en el año 1992. Necesita reforma al encontrarse sin instalaciones ni acabados. Únicamente tabicado y con carpinteria exterior. Desde el distribuidor se divide en tres zonas con un amplio espacio diáfano distribuible en cuatro dormitorios y dos cuartos de baño. Si quieres ampliar información catastral consulta en catastro con la siguiente referencia 2162713PJ1326S0014XO. ¿Te gustaría tener más información? No dudes en ponerte en contacto con nosotros. Visita sin compromiso, sin comisiones de intermediación. Más información rellenando el formulario de contacto. En Diglo estaremos encantados de atenderte. Otras características Planta ES

Characteristics

Bathrooms

2

Year built

1992

Legal & cadastral analysis

expand_more

Cadastral data

Cadastral ref.
2162713PJ1326S0014XO
Cadastral area
268 m²
Year built
1992
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.

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

46/100

Confidence: Medium

Score breakdown

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

Vivienda de 250.00m² en Viveiro a 380€/m² (mediana zona 650€/m², delta -41.5%). Requiere Reforma Integral. Posesión desconocida. Zona muy_baja, 102 días en mercado.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 53 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 -41.5% frente a la mediana zonal (650€/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.

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Location

Viveiro, Lugo

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

-40.8%Strong opportunity
Scope
Province (MITMA)
Zone median
€642 /m²
This asset
€380 /m²
Samples
62
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€95,000
Transfer tax (ITP) 9% — Galicia€8,550
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€333
Estimated total investment€104,883

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

SourceDiglo
On Atalaya since6 Jun 2026
Last updated16 Sept 2026

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Aggregated data from public sources and servicer Diglo. 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