AtalayaAtalaya

Calle Dr Espinosa Orive

Indautxu, Bilbao, Bizkaia • Apartment • Ref: #1ED5B6B3

€445,000-40% vs area market
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Size

135 m²

Price / m²

€3,286

Rooms

3

OccupancyVacant
71
Calle Dr Espinosa Orive — Indautxu, Bilbao
Photo: Solvia
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AI visual analysis

Automated analysis · physical condition

26 of 26 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: El edificio presenta un aspecto moderno y bien conservado, con ladrillo visto y ventanas uniformes.
  • •Salon: El salon tiene suelos de madera en buen estado y paredes con molduras, aunque el papel pintado parece algo anticuado.
  • •Cocina: La cocina cuenta con muebles blancos y encimera azul, pero le faltan electrodomésticos y se aprecian signos de desgaste en los bajos de los armarios.
  • •Pasillo: El pasillo tiene papel pintado a rayas y un techo con focos empotrados, con un aspecto general cuidado.

descriptionDescription

Piso de 135 m² ubicado en Bilbao. Se trata de un piso de 135 m² distribuidos en salón-comedor, cocina, 3 dormitorios y 2 baños. Piso se sitúa en el barrio de Indautxu, dentro del núcleo urbano de Bilbao, teniendo buenos accesos por la A-8 y la BI-625. Dispone de comunicaciones mediante Metro Bilbao, con estaciones próximas de las líneas L1 y L2, además de líneas de autobús urbano, tren de Cercanías y tranvía. En la zona podemos encontrar servicios como supermercados, restaurantes, centros educativos, instalaciones deportivas, oficinas bancarias y otros establecimientos comerciales. A pocos minutos del Hospital Universitario Basurto y del área comercial de Indautxu. También cuenta con buena conexión con equipamientos culturales, sanitarios y comerciales situados en el centro de Bilbao. Con nuestros servicios podrá encontrar el piso que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

2

Elevator

Yes

Pool

No

Air conditioning

No

Heating

Yes

Energy rating

E

gavelLegal & cadastral analysis

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assignmentCadastral data

Cadastral ref.
A0691350S

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.

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

BUY

71/100

Confidence: High

Score breakdown

Zone delta
25/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
6/15

Vivienda de 135.44m² en Bilbao a 3286€/m² (mediana zona 5474€/m², delta -40.0%). Estado Mejorable. Posesión libre. Zona muy_baja, inventario reciente (1 días).

trending_upStrengths

  • +Descuento del -40.0% frente a la mediana zonal (5474€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

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

Indautxu, 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

-40.0%Strong opportunity
Scope
Neighbourhood
Zone median
€5,474 /m²
This asset
€3,286 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+30.3%Above anchor
Scope
Postal code
Zone median
€2,521 /m²
This asset
€3,286 /m²
Samples
6
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€445,000
Transfer tax (ITP) 4% — País Vasco€17,800
Notary (est.)€668
Land Registry (est.)€445
Admin agency (est.)€1,558
Estimated total investment€465,471
Estimated refurbishment (state: mejorable)€54,000 – €95,000

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 sinceSept 2026 (9 days)
On Atalaya since16 Sept 2026
Last updated24 Sept 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