AtalayaAtalaya

Apartment in Rafal

Rafal, Alicante • Ref: #416DE7E4

€67,000
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Size

121 m²

Price / m²

€555

Rooms

3

OccupancyVacant
60
Apartment in Rafal — Rafal
Photo: Solvia
1 / 20

AI visual analysis

Automated analysis · physical condition

20 of 20 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: edificio con revestimiento y pintura exterior que muestra signos evidentes de desgaste y decoloracion.
  • •Salon: estancia amplia y despejada con suelo de terrazo en buen estado, aunque la pintura azul requiere actualizacion.
  • •Dormitorio: paredes blancas con marcas de uso superficiales y carpinteria interior de madera estandar.

Description

Piso situado en la planta baja de un edificio plurifamiliar bajo rasante con 3 alturas en el municipio de Rafal, provincia de Alicante. La vivienda está distribuida en tres dormitorios, dos baños completos, salón-comedor y cocina con un amplio patio. El inmueble se encuentra en una zona tranquila, rodeado por viviendas residenciales de similares características. Cuenta con fácil acceso a la carretera y otros nudos de comunicación. Cercano a establecimientos y comercios de la zona. Zona que dispone de todos los servicios y dotaciones tales como, centros educativos, sanitarios, comercios, centro de ocio. [Aviso legal] Inscripción en el Registro de la Propiedad en trámite. La anterior situación del activo puede suponer dificultad/imposibilidad en la obtención de financiación hipotecaria por el comprador. Consultar su situación actual, así como, las condiciones de su transmisión. Se recomienda que el comprador obtenga asesoramiento profesional y legal antes de adoptar la decisión de compra.

Characteristics

Bathrooms

2

Elevator

No

Year built

1994

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

Energy rating

E

Legal & cadastral analysis

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Cadastral data

straightenUnreconciled surface: the listing states 120.65 m² but the cadastre records 90 m² (-25%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
8595304XH8189S0002JH
Cadastral area
90 m²
Year built
1994
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.

handshakeThis asset has been listed for 958 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

ANALYZE

60/100

Confidence: Low

Score breakdown

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

Vivienda de 120.65m² en Rafal a 555€/m² (mediana zona 1559€/m², delta -64.4%). Estado Mejorable. Posesión libre. Zona muy_baja, más de 2 años sin vender.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 1015 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 -64.4% frente a la mediana zonal (1559€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

Risks

  • −948 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

Rafal, Alicante

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

0.0%In line
Scope
Postal code
Zone median
€555 /m²
This asset
€555 /m²
Samples
5
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€67,000
Transfer tax (ITP) 10% — Comunitat Valenciana€6,700
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€75,000
Estimated refurbishment (state: mejorable)€48,500 – €84,500

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 the market sinceFeb 2024 (958 days)
On Atalaya since12 May 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