AtalayaAtalaya

House in Lleida

Calle Ciutat de Fraga,, 20

Universitat, Lleida • Auction • Ref: #0A6CC6CD

€96,426
open_in_newView original listing

Get new bank-owned properties in Lleida under your budget by email. Free.

Size

294 m²

OccupancyUnconfirmed
83
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

Description

Local comercial, sito en la planta baja de la casa número veinte, de la calle Ciudad de Fraga, de Lleida. Tiene una superficie construida de doscientos noventa y cuatro metros cuadrados. Se compone de varias dependencias.

Legal & cadastral analysis

expand_more

Legal analysis (AI)

Ocupacióndesconocido
Cargas (€)€0
Detalle cargasCargas o gravámenes que afectan a la finca anteriores al derecho anotado en el Registro de la Propiedad a favor del Ayuntamiento de Lleida: Ninguna
Embargos€0
Puja mínima€192,852
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgolow
Litigiosanotacion_preventiva
Análisis riesgoNo se mencionan cargas anteriores al embargo del Ayuntamiento de Lleida, lo que reduce el riesgo para el comprador.

Cadastral data

Cadastral ref.
1602819CG0110B0001FA
Cadastral area
294 m²
Year built
1955
Cadastral use
Commercial

How to bid in this auction (BOE)

expand_more
  1. 1Read the full terms on subastas.boe.es: auction value, minimum bid, increments and surviving charges.
  2. 2Request a nota simple and study prior charges — auctions do NOT wipe them all; charges prior to the annotation survive.
  3. 3Deposit the required amount (usually 5% of the auction value) through the BOE platform to be able to bid.
  4. 4Bid within the window (usually 20 calendar days). If you win, you must pay the remainder within a short deadline — effectively a cash operation.
  5. 5After the award: decree, registration and, if occupied, the possession process. Think months, not weeks.

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

Auctions are effectively cash operations: you must deposit to bid and pay the remainder shortly after the award. Don't count on a traditional mortgage within those deadlines.

Catalonia specifics

In Catalonia the Generalitat holds first-refusal rights (tanteo y retracto) over transfers of homes originating from foreclosure (DL 1/2015): it can extend timelines. The cédula d'habitabilitat is mandatory for utilities and usually required for a mortgage. Also check for social-housing (VPO) status.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

ANALYZE

83/100

Confidence: Medium

Score breakdown

Zone delta
25/30
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
14/15
Zone liquidity
11/15

Subasta BOE en Lleida. Puja mínima 96,426€ vs tasación 192,852€ (descuento judicial 50.0%). Posesión desconocida. Subasta cierra en 19 días.

Strengths

  • +Descuento del -78.5% frente a la mediana zonal (1526€/m²)
  • +Descuento judicial del 50.0% sobre tasación (96,426€ vs 192,852€)
  • +Subasta inminente: cierre en 19 días, ventana de decisión limitada (presión vendedora)
  • +Cargas legales acotadas o inexistentes

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

Universitat, Lleida, Lleida

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

-78.5%Strong opportunity
Scope
Municipality
Zone median
€1,526 /m²
This asset
€328 /m²
Period
septiembre 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€96,426
Transfer tax (ITP) 10% — Cataluña€9,643
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€337
Estimated total investment€107,406

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.

gavelAuction property

Ends: 14 October 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (1 days)
On Atalaya since24 Sept 2026
Last updated24 Sept 2026

Zone comparables

Top 5 similar properties in Lleida by AI score

See all bank-owned properties in Lleida
Calle Campinya
73

Calle Campinya

€19,000

€425/m² · 44.73 m²

View analysis
apartment
70

Cl Taquigraf Marti 7 1 00, 09

€1,373

View analysis
Calle Tancat- Raimat
70

Calle Tancat- Raimat

€147,200

€472/m² · 311.89 m²

View analysis
apartment
70

Cl Taquigraf Marti 7 1 00, 10

€1,373

View analysis
Campo Rodo
65

Campo Rodo

€152,600

€770/m² · 198.3 m²

View analysis

Aggregated data from public sources and servicer BOE - Portal de Subastas. 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