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Apartment in Figueres

Carrer Verge, 16 Baixos B

Figueres, Girona • Auction • Ref: #0EA99F49

€150,000
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Size

79 m²

Rooms

3

OccupancyOccupied · type to verify
36
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

Description

DESCRIPCIÓN: Entidad número DOCE, vivienda letra B, de la planta baja, del edificio sito en la Urbanización Marca de l’Ham, de VILATENIM, hoy FIGUERES, bloque cincuenta y siete, calle E, hoy calle VERGE, número DIECISEIS, bajos B, que consta de recibidor, comedor-estar, cocina, baño, tres dormitorios, terrazas de la azotea y posterior, y terraza lavadero, y mide setenta y ocho metros, setenta y cinco decímetros cuadrados, y once metros, setenta decímetros cuadrados las terrazas. LINDA: Al Sur, con vestíbulo, escalera, patio de luces y vivienda A de esta misma planta y portal; Al Norte, con solar de “Inmofisa”; Al Este, con patio de luces y calle E; Al Oeste, con escalera y zona verde; Por debajo, con el solar; Y por encima, con la vivienda B el piso primero de este mismo portal. ANEJO: Esta vivienda tiene como anejo el derecho de uso y utilización de la mitad del patio de luces contiguo, de superfície tal mitad cuatro metros, quince decímetros cuadrados.

Legal & cadastral analysis

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Legal analysis (AI)

Ocupaciónocupada
Desahucio necesario
Cargas (€)€119,087
Detalle cargasHipoteca a favor de Promontoria Backgammon DAC por 119086.76 euros de principal, intereses y costas.
Hipoteca€119,087
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgomedium
Litigioshipoteca, afeccion_fiscal
Análisis riesgoLa propiedad es vivienda habitual del deudor, lo que puede complicar el desalojo. Existe una hipoteca como carga principal.

Cadastral data

Cadastral ref.
8598005DG978N0012DX

How to bid in this auction (BOE)

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  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

AVOID

36/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
10/20
Physical state
Not assessable
—
Legal liens
6/15
Zone liquidity
Not assessable
—
BOE bonus
5/6

Subasta BOE en Figueres a 150,000€. Sin tasación de referencia publicada. Posesión con ocupación a verificar. Subasta cierra en 14 días.

Strengths

  • +Subasta inminente: cierre en 14 días, ventana de decisión limitada (presión vendedora)
  • +Vivienda habitual del deudor: activo real ocupado por propietario, no nominal
  • +Cargas en posición preferente: hipoteca primaria, sin cargas senior ocultas

Risks

  • −Ocupación judicial sin detalle: verificar in situ antes de pujar
  • −Sin tasación judicial publicada: descuento sobre mercado no verificable

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

Figueres, Girona

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

+9.5%Above anchor
Scope
Municipality
Zone median
€1,740 /m²
This asset
€1,905 /m²
Period
septiembre 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€150,000
Transfer tax (ITP) 10% — Cataluña€15,000
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€525
Estimated total investment€166,525

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: 1 October 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (14 days)
On Atalaya since16 Sept 2026
Last updated17 Sept 2026

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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