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AtalayaAtalaya

Land in Fiñana

Calle Huertas

Fiñana, Almería • Ref: #3D24418E

€5,000
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Size

350 m²

Price / m²

€14

OccupancyVacant
74
Calle Huertas — Fiñana
Photo: Solvia
1 / 6

AI visual analysis

Automated analysis · physical condition

0 of 6 photos analyzed

Physical condition

sin_aplicar_no_residencial

Photo quality

unknown

Description

Suelo urbano No Consolidado de 350 m² ubicado en Fiñana, Almería. Se trata de un suelo urbano no consolidado de 350 m² que admite una edificabilidad aproximada de 580 m²t. Tiene como uso principal el residencial. Es compatible con el uso comercial. La finca se corresponde con parte de la parcela catastral: 4837401WG1143N0001HU, lo que justifica la diferencia relevante entre la superficie registral y catastral. La finca se sitúa exactamente en la parte suroeste de esta parcela. Urbanísticamente se trata de una parcela clasificada como Suelo Urbano No Consolidado según el PGOU de Fiñana con aprobación definitiva el 10/12/2009. Calificaciión SU-3 Nuevo Suelo Urbano Intensivo. De uso Residencial. El terreno no está incluido en ninguna unidad de actuación y su desarrollo debe realizarse mediante un estudio de detalle, a partir de la parcela mínima que establece la ordenanza de 100m2, teniendo que realizarse la cesión del 10% del aprovechamiento al Ayuntamiento. La promoción más probable sería la construcción de un edificio plurifamiliar de dos plantas (4 viviendas) y un sótano destinado a plazas de garaje. El suelo se sitúa en el núcleo urbano de Fiñana, teniendo buenos accesos por la autovía A-92. Dispone de comunicaciones mediante líneas regulares de autobús interurbano y estación de ferrocarril que conecta con otros municipios de la provincia y de Andalucía. En la zona podemos encontrar servicios como supermercados, restaurantes, centros educativos, instalaciones deportivas, oficinas bancarias y otros establecimientos comerciales. A pocos minutos del centro de salud de Fiñana, de las instalaciones deportivas municipales y de las zonas comerciales y administrativas de la localidad. Asimismo, cuenta con proximidad al Parque Nacional de Sierra Nevada y a otros espacios naturales del entorno. Con nuestros servicios podrá encontrar el suelo urbano no consolidado que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Elevator

No

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

Legal & cadastral analysis

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Cadastral data

Cadastral ref.
4837401WG1143N0001HU
Cadastral use
Urbanization works · undeveloped land

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.

handshakeThis asset has been listed for 973 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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

BUY

74/100

Confidence: High

Score breakdown

Zone delta
30/30
Possession
20/20
Zoning
15/25
Legal liens
10/15
Zone liquidity
0/15

Suelo urbanizable (uso unknown) de 350.00m² en Fiñana a 14€/m² (mediana zona 42€/m², delta -66.7%). Posesión libre. Zona muy_baja, más de 2 años sin vender.

Strengths

  • +Descuento del -66.7% frente a la mediana zonal (42€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

Risks

  • −947 días en mercado sin venderse

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

Fiñana, Almería

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

-58.8%Strong opportunity
Scope
Province (MITMA)
Zone median
€34 /m²
This asset
€14 /m²
Samples
127
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€5,000
Transfer tax (ITP) 7% — Andalucía€350
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€6,650

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 the market sinceFeb 2024 (973 days)
On Atalaya since13 May 2026
Last updated24 Oct 2026

Zone comparables

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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