AtalayaAtalaya

San Sebastian

Espejo, Córdoba • House • Ref: #45033001

€17,000
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Size

148 m²

Price / m²

€115

Rooms

4

OccupancyOccupied · type to verify
35
San Sebastian — Espejo
Photo: Solvia
1 / 15

AI visual analysis

Automated analysis · physical condition

15 of 15 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Vivienda unifamiliar de dos alturas, consta de cuatro dormitorios y un baño. Se encuentra en el municipio de Espejo, en la provincia Córdoba. Tiene una superficie aproximada de 148 m² sobre parcela de 104 m². La vivienda se distribuye en dos plantas. La planta baja consta de salón-comedor, un dormitorio, cocina, baño, dos patios y corral. Y la planta alta se compone de tres dormitorios. Se encuentra en un entorno consolidado, rodeado de viviendas de similares características. En su entono próximo se puede encontrar restaurantes, centros educativos (CEIP Cervantes, IES Pay Arias), centro de salud, comercios, farmacia, paradas de autobús, etc. Espejo es un municipio de Córdoba, a 33 km de distancia de la capital de provincia, con la que está bien comunicada a través de carretera comarcal (N-432). Tiene una superficie aproximada de 148 m² sobre parcela de 104 m². La vivienda se distribuye en dos plantas. La planta baja consta de salón-comedor, un dormitorio, cocina, baño, dos patios y corral. Y la planta alta se compone de tres dormitorios.

Characteristics

Bathrooms

1

Elevator

No

Year built

1936

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
2815623UG6721N0001HY
Cadastral area
148 m²
Year built
1936
Cadastral use
Residential

routeHow 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 919 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.

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

Alpha Rating

AVOID

35/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
10/20
Physical state
Not assessable
—
Legal liens
10/15
Zone liquidity
4/15

Vivienda de 148.00m² en Espejo a 115€/m² (mediana zona 1330€/m², delta -91.4%). Estado Pendiente De Análisis Visual. Posesión con ocupación a verificar. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -91.4% frente a la mediana zonal (1330€/m²)

warningRisks

  • −917 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

Espejo, Córdoba

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

-91.4%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,330 /m²
This asset
€115 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

-83.4%Strong opportunity
Scope
Province (MITMA)
Zone median
€693 /m²
This asset
€115 /m²
Samples
184
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€17,000
Transfer tax (ITP) 7% — Andalucía€1,190
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€19,490

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 (919 days)
On Atalaya since21 May 2026
Last updated31 Aug 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