AtalayaAtalaya

Apartment in Andorra

Andorra, Teruel • Ref: #260370A9

€30,000
open_in_newView original listing

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

Size

155 m²

Price / m²

€194

OccupancyUnconfirmed
35
Apartment in Andorra — Andorra
Photo: Servihabitat
1 / 11

AI visual analysis

Automated analysis · physical condition

11 of 11 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Exterior: La zona exterior presenta suciedad, escombros y ramas secas en el suelo.
  • •Fachada: Las paredes de la fachada muestran desconchones, suciedad y ladrillos a la vista, indicando un estado de deterioro.
  • •Exterior: Hay una barbacoa de obra con signos de abandono y falta de mantenimiento.

Description

Estado: second-hand

How 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.

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

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

AVOID

35/100

Confidence: Low

Score breakdown

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

Vivienda de 155.00m² en Andorra a 194€/m². Sin referencia zonal. requiere reforma integral. Posesión desconocida. Zona muy_baja, inventario reciente (1 días).

Risks

  • −Sin referencia zonal disponible

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

Andorra, Teruel
map

Coordinates unavailable

Estimated acquisition costs

Asset price€30,000
Transfer tax (ITP) 8% — Aragón€2,400
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€33,700

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

SourceServihabitat
On Atalaya since23 Sept 2026
Last updated25 Sept 2026

Zone comparables

Top 5 similar properties in Andorra by AI score

See all bank-owned properties in Andorra
Montalban
50

Montalban

€53,000

€696/m² · 76.2 m²

View analysis

Aggregated data from public sources and servicer Servihabitat. 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