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Balmes

Masdenverge, TarragonaHouseRef: #12259E00

€32,000
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Size

233 m²

Price / m²

€137

Rooms

3

OccupancyVacant
43
Balmes — Masdenverge
Photo: Solvia
1 / 18

AI visual analysis

Automated analysis · physical condition

18 of 18 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

descriptionDescription

Estupenda Casa de Pueblo, que realizando una pequeña reforma, se tiene una magnífica Vivienda unifamiliar adosada que consta de tres plantas sobre rasante, compuesta por tres dormitorios y un cuarto de baño, con una superficie construida de 233 m2 y una superficie útil de vivienda de 176.72 m2. Se encuentra situado en el municipio de Masdenverge, en la provincia de Tarragona. La vivienda está compuesta de tres plantas. La planta baja dispone de un espacio diáfano para el garaje y el trastero, por la entrada a la vivienda consta de recibidor, salón-comedor, cocina, en la planta primera dispone de un cuarto de baño, tres amplios dormitorios y acceso a una amplia terraza exterior lateral. La planta segunda es un espacio totalmente diáfano sin distribución que da salida a una amplia terraza que dispone de la vivienda en su azotea La vivienda dispone de chimenea, jardín, garaje, suelos de gres en las estancias principales, ventanas de aluminio y carpintería interior de madera, principalmente de sapeli y la pintura es monocapa, plástica lisa en todas las estancias. En la vivienda es necesario realizar una reforma para adecuarlo a unas condiciones de habitabilidad óptimas El inmueble se encuentra en una zona tranquila, rodeado por viviendas residenciales de similares características. Además, se encuentra a poca distancia del centro de la localidad, donde es posible encontrar todo tipo de servicios, como restaurantes, colegios, centros de salud, comercios. La vivienda dispone de una excelente ubicación y está muy bien comunicada por las carreteras comarcales que rodean al municipio y por transporte público.

Characteristics

Bathrooms

1

Elevator

No

Year built

1940

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

Energy rating

G

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
1501305BF9110B0001DX
Cadastral area
233 m²
Year built
1940
Cadastral use
Residential

routeHow to buy this asset from the bank

expand_more
  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.

handshakeThis asset has been listed for 919 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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

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.

gavelCatalonia 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

43/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
4/15

Vivienda de 233.00m² en Masdenverge a 137€/m² (mediana zona 1831€/m², delta -92.5%). Requiere Reforma Integral. Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -92.5% frente a la mediana zonal (1831€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • 917 días en mercado sin venderse

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

Masdenverge, Tarragona

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

-92.5%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,831 /m²
This asset
€137 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

-83.9%Strong opportunity
Scope
Province (MITMA)
Zone median
€852 /m²
This asset
€137 /m²
Samples
831
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€32,000
Transfer tax (ITP) 10% — Cataluña€3,200
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€36,500

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 sinceFeb 2024 (919 days)
On Atalaya since11 May 2026
Last updated31 Aug 2026

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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