AtalayaAtalaya

Venta de Crédito Chalet en Calle el Carmen

Barcena Cicero, Cantabria • House • Ref: #2A4313B5

Price on request
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Size

394 m²

OccupancyVacantDeduced by AI
55
Venta de Crédito Chalet en Calle el Carmen — Barcena Cicero
Photo: Diglo

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Exterior: Las imágenes son vistas aéreas de baja resolución.
  • •Exterior: No se aprecian detalles del estado de las propiedades.

descriptionDescription

Crédito con la garantía de un inmueble sito en Bárcena de Cicero. Autopromoción está al 70% de la construcción. Valoracion a la finalización: 565.000 €. Sin judicializar. Deuda aprox. 290.000€

gavelLegal & cadastral analysis

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assignmentCadastral datahelpUnverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

Cadastral ref.
8968115VP5086N
Cadastral use
Urbanization works · undeveloped land

routeHow to buy this asset from the bank

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  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

55/100

Confidence: High

Score breakdown

Zone delta
Not assessable
—
Possession
20/20
Physical state
14/25
Legal liens
7/15
Zone liquidity
0/15

Vivienda de 394.00m² en Barcena Cicero a ?€/m² (mediana zona 2154€/m², delta %). Estado Mejorable. Posesión libre. Zona muy_baja sin fecha de publicación fiable.

trending_upStrengths

  • +IA (confianza media): Autopromoción está al 70% de la construcción.

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

Barcena Cicero, Cantabria

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

—
Scope
Province (MITMA)
Zone median
€2,154 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

—
Scope
Province (MITMA)
Zone median
€1,129 /m²
Samples
132
Source
Atalaya (bank inventory)

Listing intel

SourceDiglo
On Atalaya since12 Jun 2026
Last updated27 Jun 2026

Aggregated data from public sources and servicer Diglo. 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