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House in San Miguel de Vilapedre

San Miguel de Vilapedre, Lugo • Ref: #2BCC1F5B

€76,100
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Size

240 m²

Price / m²

€317

Rooms

3

OccupancyUnconfirmed
52
House in San Miguel de Vilapedre — San Miguel de Vilapedre
Photo: Escogecasa
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AI visual analysis

Automated analysis · physical condition

14 of 14 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: La fachada de piedra presenta signos de deterioro y humedad, con algunas zonas desprendidas y vegetación creciendo en las paredes.
  • •Interior: Las paredes interiores muestran humedad y desconchones, y los suelos de madera están desgastados y sucios.
  • •Exterior: El entorno exterior está descuidado, con vegetación alta y desordenada alrededor de la propiedad.

Description

Aprovecha esta oportunidad para crear tu proyecto. Casa de piedra con jardín, para rehabilitación integral, de 208 m2 útiles. Desarrollada en dos plantas. Distribuida en planta baja destinada a cuadras y planta primera con vestíbulo, salón, cocina, tres dormitorios y un baño. Parcela de 6.474 m2 con vallado perimetral, edificación auxiliar destinada a pajar, hórreo, horno de piedra y pequeña edificación de protección del pozo. En un entorno único rodeado de naturaleza y con todos los servicios cercanos, dado que se encuentra a sólo 10 minutos de la villa de Sarria, con todos los servicios, conexiones de autobús y tren a la ciudad de Lugo a 25 minutos en coche desde nuestra casa.

Characteristics

Bathrooms

1

Elevator

No

Terrace

No

Parking

No

Year built

1940

Pool

No

Air conditioning

No

Heating

No

Storage room

Yes

Garden

No

Energy rating

G

Legal & cadastral analysis

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Cadastral data

Unverified

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

Cadastral ref.
AT0801200PH24D
Cadastral area
246 m²
Year built
1880
Cadastral use
Residential

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.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

ANALYZE

52/100

Confidence: Medium

Score breakdown

Zone delta
30/30
Possession
Not assessable
—
Physical state
7/25
Legal liens
7/15
Zone liquidity
0/15

Vivienda de 240.00m² en San Miguel de Vilapedre a 317€/m² (mediana zona 650€/m², delta -51.2%). Requiere Reforma Integral. Posesión desconocida. Zona muy_baja, 137 días en mercado.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 56 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Strengths

  • +Descuento del -51.2% frente a la mediana zonal (650€/m²)

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

San Miguel de Vilapedre, Lugo

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

No reference available for this area and asset type.

vs other bank assets

-51.2%Strong opportunity
Scope
Province (MITMA)
Zone median
€650 /m²
This asset
€317 /m²
Samples
55
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€76,100
Transfer tax (ITP) 9% — Galicia€6,849
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€84,249

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

SourceEscogecasa
On Atalaya since9 May 2026
Last updated25 Sept 2026
See all bank-owned properties in Lugo

Aggregated data from public sources and servicer Escogecasa. 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