AtalayaAtalaya

Calle General Concha de Bilbao Nº, 32

Errekalde, Bilbao, Bizkaia • Apartment · Auction • Ref: #11F2EB5A

€645,540
open_in_newView original listing

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

OccupancyUnconfirmed
32
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

descriptionDescription

Lote 1.- URBANA. DIECINUEVE. VIVIENDA UNICA de la planta alta novena de la casa señalada con el número treinta y dos de la calle General Concha de Bilbao. Inscripción: Inscrita en el Registro de la Propiedad nº 8 al Tomo 1943, libro 483, folio 119 de la finca nº 3500-B, Inscrpción 5ª (HIPOTECAR), 8ª (TRANSMISION DE ACTIVOS).

gavelLegal & cadastral analysis

expand_more

balanceLegal analysis (AI)

Ocupacióndesconocido
Cargas (€)€413,485
Detalle cargasHipoteca a favor de CAJA DE AHORROS DE SALAMANCA Y SORIA (actualmente SAREB) por 406000 EUR de principal, más intereses y costas. Anotación preventiva de embargo a favor de la COMUNIDAD DE PROPIETARIOS DE GENERAL CONCHA 32 por 7305.33 EUR. Anotación preventiva de embargo a favor del AYUNTAMIENTO DE BILBAO por 9135.04 EUR. Anotación preventiva de embargo a favor de la ADMINISTRACIÓN GENERAL DEL ESTADO por 219009.9 EUR. Anotación preventiva de embargo a favor del AYUNTAMIENTO DE MADRID por 115970.03 EUR.
Hipoteca€406,000
Comunidad€7,305
Embargos€344,115
Puja mínima€645,540
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgohigh
Litigioshipoteca, servidumbre, anotacion_preventiva
Análisis riesgoExisten múltiples cargas, incluyendo una hipoteca y varios embargos, que superan el valor de tasación del bien. La situación posesoria es desconocida, lo que añade riesgo.

assignmentCadastral data

Cadastral ref.
U0162872C

routeHow 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.

checklistMinimum 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).

warningDebts 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.

account_balanceFinancing

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.

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

Alpha Rating

AVOID

32/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
4/15
Zone liquidity
5/15
BOE bonus
2/6

Subasta BOE en Bilbao a 645,540€. Sin tasación de referencia publicada. Posesión desconocida. Subasta cierra en 5 días (inminente).

trending_upStrengths

  • +Subasta inminente: cierre en 5 días, ventana de decisión limitada (presión vendedora)
  • +Cargas en posición preferente: hipoteca primaria, sin cargas senior ocultas

warningRisks

  • −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.

location_on

Location

Errekalde, Bilbao, Bizkaia

analyticsPrice 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.

publicvs free market

—
Scope
Neighbourhood
Zone median
€3,994 /m²
Period
mayo 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€645,540
Transfer tax (ITP) 4% — País Vasco€25,822
Notary (est.)€968
Land Registry (est.)€646
Admin agency (est.)€2,259
Estimated total investment€675,235

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: 21 September 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (22 days)
On Atalaya since16 Sept 2026
Last updated16 Sept 2026

compare_arrowsZone comparables

Top 5 similar properties in Bilbao by AI score

Calle Dr Espinosa Orive
71

Calle Dr Espinosa Orive

€445,000

€3,286/m² · 135.44 m²

View analysisarrow_forward
apartment
69

Jardines de Zorrotza, Número 6, Planta Cuarta, Derecha/letra B

€113,918

View analysisarrow_forward
Piso en Zorrotza a Castrejana
55

Piso en Zorrotza a Castrejana

€160,000

€1,839/m² · 87 m²

View analysisarrow_forward
Calle Barrio Betolatza
55

Calle Barrio Betolatza

€108,000

€2,200/m² · 49.09 m²

View analysisarrow_forward
Bilbao, Recalde
53

Bilbao, Recalde

€67,000

€2,233/m² · 30 m²

View analysisarrow_forward

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