AtalayaAtalaya

Calle Tortosa, s/n

Terrassa, Barcelona • Apartment • Ref: #401235C8

€97,715-50% vs area market
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Size

78 m²

Price / m²

€1,252

Rooms

3

OccupancyOccupied · legal tenant
74
Calle Tortosa, s/n — Terrassa
Photo: holapisos
1 / 19

AI visual analysis

Automated analysis · physical condition

19 of 19 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Piso en Terrassa, Barcelona. Dispone de una superficie de 78 m² distribuidos en 3 habitaciones, salón-comedor, cocina con lavadero y 1 baño y la terraza. Piso situado muy cerca de servicios básicos, comercios, colegios y paradas de autobús. Fácil acceso a la carretera de Castellar (C-1415a) y a la estación de tren Terrassa Est . Este inmueble es una Vivienda de Protección Oficial. El inquilino ha de destinar la vivienda de VPO a residencia habitual y permanente, cumpliendo los requisitos que se establezcan para este tipo de viviendas.

Characteristics

Bathrooms

1

Floor

3

Elevator

No

Terrace

No

Parking

No

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

G

routeHow 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.

handshakeThis asset has been listed for 507 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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.

gavelCatalonia 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

BUY

74/100

Confidence: High

Score breakdown

Zone delta
25/30
Possession
12/20
Physical state
Not assessable
—
Legal liens
10/15
Zone liquidity
12/15

Vivienda de 78.00m² en Terrassa a 1252€/m² (mediana zona 2496€/m², delta -49.8%). Estado Pendiente De Análisis Visual. Posesión con inquilino legal. Zona alta, stock estancado (506 días).

trending_upStrengths

  • +Descuento del -49.8% frente a la mediana zonal (2496€/m²)

warningRisks

  • −506 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

Terrassa, Barcelona

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

-49.8%Strong opportunity
Scope
Municipality
Zone median
€2,496 /m²
This asset
€1,252 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-4.9%In line
Scope
Postal code
Zone median
€1,316 /m²
This asset
€1,252 /m²
Samples
14
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€97,715
Transfer tax (ITP) 10% — Cataluña€9,772
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€342
Estimated total investment€108,829

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
23 May 2026
€107,030arrow_forward€97,715-8.7%

Listing intel

SourceAliseda
On the market sinceApr 2025 (507 days)
On Atalaya since21 Apr 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer holapisos. 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