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Apartment in Teruel

Teruel • Ref: #43C2C66F

€157,900
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Size

95 m²

Price / m²

€1,665

Rooms

3

OccupancyUnconfirmed
31
Apartment in Teruel — Teruel
Photo: Escogecasa
1 / 11

AI visual analysis

Automated analysis · physical condition

11 of 11 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Salon: Las paredes presentan desconchones y suciedad, y el suelo de terrazo está desgastado.
  • •Cocina: Los muebles son funcionales pero antiguos, y el fregadero muestra signos de uso.
  • •Dormitorio: Las paredes tienen pintura irregular y el suelo de terrazo está en buen estado general.

Description

Piso de 80,5 m² ubicado en edificio residencial con ascensor. Distribuido en salón-comedor con acceso a balcón, cocina independiente amueblada con zona de lavandería, tres dormitorios y un baño. Dispone de pequeña zona de despensa. Requiere reforma. Año de construcción 1970. Zona residencial con servicios en su entorno (hospital, supermercado...) y zona verde cercana.

Characteristics

Bathrooms

1

Elevator

Yes

Terrace

No

Parking

No

Year built

1970

Pool

No

Air conditioning

No

Heating

No

Storage room

No

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.
1367413XK6616E

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

AVOID

31/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
1/15

Vivienda de 94.81m² en Teruel a 1665€/m² (mediana zona 1609€/m², delta +3.5%). Estado Mejorable. Posesión desconocida. Zona muy_baja, 137 días en mercado.

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

Teruel, Teruel

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

+3.5%In line
Scope
Municipality (MITMA)
Zone median
€1,609 /m²
This asset
€1,665 /m²
Samples
146
Period
Q4-2025
Source
MITMA

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€157,900
Transfer tax (ITP) 8% — Aragón€12,632
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€553
Estimated total investment€172,085
Estimated refurbishment (state: mejorable)€38,000 – €66,500

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

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

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