AtalayaAtalaya

Piso en Calle Totana, Torres de Cotillas, las

Las Torres de Cotillas • Apartment • Ref: #123110F5

€32,900
open_in_newView original listing

Size

116 m²

Price / m²

€284

Rooms

3

OccupancyUnconfirmed
67
Piso en Calle Totana, Torres de Cotillas, las — Las Torres de Cotillas
Photo: Cimenta2
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AI visual analysis

Automated analysis · physical condition

4 of 4 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: El edificio presenta una fachada de ladrillo visto con balcones y rejas en las ventanas, mostrando un aspecto funcional pero sin elementos modernos.
  • •Exterior: La calle es de asfalto y se observan coches aparcados, indicando una zona residencial con cierto desgaste en el entorno urbano.

descriptionDescription

Piso en la calle Totana, en el municipio de Las Torres de Cotillas (Murcia), correspondiente a la planta primera, puerta A. El inmueble cuenta con una superficie construida aproximada de 116 m² y una superficie útil de 93 m². Se encuentra en un entorno urbano consolidado, con acceso directo desde vía pública. La distribución interior y características específicas del piso pueden variar según la configuración arquitectónica del edificio, pero se presume que incluye estancias habituales como salón-comedor, cocina, dormitorios, baños y zonas de paso. El edificio forma parte de una zona residencial, con infraestructuras urbanas consolidadas y servicios cercanos.

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 469 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.

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

Alpha Rating

ANALYZE

67/100

Confidence: Medium

Score breakdown

Zone delta
30/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
6/15

Vivienda de 116.00m² en Las Torres de Cotillas a 284€/m² (mediana zona 641€/m², delta -55.7%). Estado Mejorable. Posesión desconocida. Zona muy_baja, stock estancado (468 días).

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 13 listings bancarios del mismo city — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

trending_upStrengths

  • +Descuento del -55.7% frente a la mediana zonal (641€/m²)

warningRisks

  • −468 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

Las Torres de Cotillas

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.

vs free market

No reference available for this area and asset type.

account_balancevs other bank assets

-55.7%Strong opportunity
Scope
City
Zone median
€641 /m²
This asset
€284 /m²
Samples
13
Source
Atalaya (bank inventory)

Listing intel

SourceCimenta2
On the market sinceMay 2025 (469 days)
On Atalaya since29 Aug 2026
Last updated31 Aug 2026

Aggregated data from public sources and servicer Cimenta2. 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