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Apartment in Roses

Calle De la Roca Llarga

Santa Margarida, Roses, Girona • Ref: #2B82B006

€116,300
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Size

78 m²

Price / m²

€1,498

Rooms

2

OccupancyVacant
51
Calle De la Roca Llarga — Santa Margarida, Roses
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: Presenta acabado de pintura en tonos ocres y teja con desgaste superficial visible por exposicion a la intemperie.
  • •Exterior: Edificacion mixta con locales comerciales en planta baja y vivienda con terraza en la planta superior.
  • •Terraza: Barandillas metalicas y antepechos sin danos estructurales evidentes a distancia.

Description

Piso en C/ de la Roca Llarga. Tipo: Piso. Propiedad en zona costera.

How 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.

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.

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

51/100

Confidence: Low

Score breakdown

Zone delta
8/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
2/15

Vivienda de 77.66m² en Roses a 1498€/m² (mediana zona 3762€/m², delta -60.2%). Estado Mejorable. Posesión libre. Zona muy_baja, inventario reciente (15 días).

Strengths

  • +Descuento del -60.2% frente a la mediana zonal (3762€/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.

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Location

Santa Margarida, Roses, Girona

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

-60.2%Strong opportunity
Scope
Municipality
Zone median
€3,762 /m²
This asset
€1,498 /m²
Period
2026-05
Source
Idealista

vs other bank assets

+14.3%Above anchor
Scope
Province (MITMA)
Zone median
€1,311 /m²
This asset
€1,498 /m²
Samples
554
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€116,300
Transfer tax (ITP) 10% — Cataluña€11,630
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€407
Estimated total investment€129,337
Estimated refurbishment (state: mejorable)€31,000 – €54,500

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 Atalaya since14 Sept 2026
Last updated9 Oct 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