AtalayaAtalaya

Apartment in Caravaca de la Cruz

Calle Ramón y Cajal

Caravaca de la Cruz, Murcia • Ref: #10C505C8

€130,000
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Size

90 m²

Price / m²

€1,444

Rooms

3

OccupancyUnconfirmed
51
Calle Ramón y Cajal — Caravaca de la Cruz
Photo: Solvia
1 / 10

AI visual analysis

Automated analysis · physical condition

10 of 10 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Salon: Espacioso, con solados ceramicos clasicos bien conservados y carpinteria interior en buen estado.
  • •Bano: Recientemente actualizado, con plato de ducha a nivel de suelo, mueble doble lavabo y revestimientos modernos.
  • •Cocina: Totalmente funcional y amueblada, con encimera y alicatado en correcto estado de mantenimiento.
  • •Balcon: Estructura exterior y cerramientos conservados, con pintura del alero con leve desconchado puntual.

Description

Descubre la mejor oferta inmobiliaria en Pisos de Particulares en Caravaca de la Cruz con Solvia. La mejor selección de viviendas de segunda mano particular en venta, para que encuentres la casa que estás buscando. Bonito piso en Caravaca de la Cruz, compuesto por 3 dormitorios, un baño, cocina, despensa, lavadero y salón. Dispone de trastero y terraza comunitaria. Grandes oportunidades en venta de viviendas de segunda mano en Caravaca de la Cruz con Solvia. Esta publicación se realiza a instancias de un Comercializador de SOLVIA. SOLVIA no participa de la intermediación, ni se responsabiliza de la veracidad de los datos e información publicada a instancias del Comercializador.

Characteristics

Bathrooms

1

Year built

1983

Legal & cadastral analysis

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Cadastral data

straightenUnreconciled surface: the listing states 90 m² but the cadastre records 172 m² (+91%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
9589208WH9199A0002QO
Cadastral area
172 m²
Year built
1983
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

51/100

Confidence: High

Score breakdown

Zone delta
0/30
Possession
20/20
Physical state
20/25
Legal liens
10/15
Zone liquidity
4/15

Vivienda de 90.00m² en Caravaca de la Cruz a 1444€/m² (mediana zona 806€/m², delta +79.1%). Buen Estado. Posesión libre. Zona muy_baja, 90 días en mercado.

Strengths

  • +Estado habitable sin reforma inmediata
  • +El banco confirma posesión legal: vivienda libre para entregar

Risks

  • −Precio +79.1% 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.

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Location

Caravaca de la Cruz, Murcia

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

+79.1%Above anchor
Scope
Municipality (MITMA)
Zone median
€806 /m²
This asset
€1,444 /m²
Samples
82
Period
Q4-2025
Source
MITMA

vs other bank assets

+202.7%Above anchor
Scope
Postal code
Zone median
€477 /m²
This asset
€1,444 /m²
Samples
11
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€130,000
Transfer tax (ITP) 8% — Murcia€10,400
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€455
Estimated total investment€141,855

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 sinceJul 2026 (100 days)
On Atalaya since7 Sept 2026
Last updated9 Oct 2026

Zone comparables

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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