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Apartment in Montcada i Reixac

Terra Nostra, Montcada i Reixac, Barcelona • Auction • Ref: #21666160

€115,708
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OccupancyUnconfirmed
55
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

Description

URBANA.- VIVIENDA a la que en la Comunidad se le asigna el número OCHO, situada en el PISO PRIMERO PUERTA CUARTA, de la casa sita en Montcada i Reixac, con frente a la calle Antonio Pujadas, número treinta y nueve. Se compone de recibidor, comedor-estar, tres dormitorios, cocina, aseo, galería-lavadero y terraza. Tiene una superficie útil de CINCUENTA Y CUATRO METROS CUADRADOS.

Legal & cadastral analysis

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Legal analysis (AI)

Ocupacióndesconocido
Cargas (€)€131,643
Detalle cargasHipoteca a favor de LUMINOUS HARMONY SL por 131643.03 EUR más 24040.00 EUR presupuestadas para intereses y costas. Además, existen hipotecas anteriores a favor de CAJA DE AHORROS DEL MEDITERRANEO y BANCO DE SABADELL, S.A. con diferentes importes y novaciones. También hay afecciones fiscales.
Hipoteca€131,643
Puja mínima€115,708
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgohigh
Litigioshipoteca, afeccion_fiscal
Análisis riesgoLa propiedad tiene múltiples hipotecas y novaciones, lo que indica una situación financiera compleja. La ocupación es desconocida, lo que añade incertidumbre al proceso de desalojo. La existencia de afecciones fiscales también puede implicar deudas adicionales.

Cadastral data

Cadastral ref.
0927316DF3902H0003RP
Cadastral area
78 m²
Year built
1971
Cadastral use
Residential

How to bid in this auction (BOE)

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  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.

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

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.

Catalonia 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

55/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
6/15
Zone liquidity
11/15
BOE bonus
1/6

Subasta BOE en Montcada i Reixac a 115,708€. Sin tasación de referencia publicada. Posesión desconocida. Subasta cierra en 5 días (inminente).

Strengths

  • +Subasta inminente: cierre en 5 días, ventana de decisión limitada (presión vendedora)

Risks

  • −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

Terra Nostra, Montcada i Reixac, Barcelona

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

—
Scope
Neighbourhood
Zone median
€2,264 /m²
Period
junio 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€115,708
Transfer tax (ITP) 10% — Cataluña€11,571
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€405
Estimated total investment€128,684

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 (24 days)
On Atalaya since16 Sept 2026
Last updated16 Sept 2026

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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