AtalayaAtalaya

Calle Ramón y Cajal

Palma de Mallorca, Illes Balears • Other · Auction • Ref: #4FFE89B9

€528,147
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OccupancyUnconfirmed
53
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

descriptionDescription

Finca 63.859

gavelLegal & cadastral analysis

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balanceLegal analysis (AI)

Ocupacióndesconocido
Cargas (€)€229,454
Detalle cargasHIPOTECA a favor de BANCO BILBAO VIZCAYA ARGENTARIA antes CAIXA D'ESTALVIS DE CATALUNYA, en garantía de una cuenta de crédito por un importe de 37813 euros; intereses ordinarios del 3% anual, por un total de 1134.39 euros; intereses de demora por un total de 9831.38 euros; unas costas y gastos judiciales de 7562.6 euros. Modificada posteriormente para garantizar un saldo definitivo de la cuenta de crédito hasta un máximo de 210000 euros, más un máximo de 9242.1 euros por el eventual exceso y 60484.2 euros por intereses de demora y 21000 euros para costas y gastos.
Hipoteca€229,454
Puja mínima€229,454
Fase judicialejecucion
Nivel de riesgomedium
Litigioshipoteca, usufructo, afeccion_fiscal
Análisis riesgoLa propiedad tiene una hipoteca como carga principal y se desconoce el estado de ocupación. La afección fiscal ha sido cancelada por caducidad.

assignmentCadastral data

Cadastral ref.
9409007DD6890G0002AE
Cadastral area
136 m²
Year built
1940
Cadastral use
Residential

routeHow to bid in this auction (BOE)

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  1. 1Read the full terms on subastas.boe.es: auction value, minimum bid, increments and surviving charges.
  2. 2Request a nota simple and study prior charges — auctions do NOT wipe them all; charges prior to the annotation survive.
  3. 3Deposit the required amount (usually 5% of the auction value) through the BOE platform to be able to bid.
  4. 4Bid within the window (usually 20 calendar days). If you win, you must pay the remainder within a short deadline — effectively a cash operation.
  5. 5After the award: decree, registration and, if occupied, the possession process. Think months, not weeks.

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

Auctions are effectively cash operations: you must deposit to bid and pay the remainder shortly after the award. Don't count on a traditional mortgage within those deadlines.

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

Alpha Rating

ANALYZE

53/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
6/15
Zone liquidity
9/15
BOE bonus
3/6

Subasta BOE en Palma de Mallorca a 528,147€. Sin tasación de referencia publicada. Posesión desconocida. Subasta cierra en 5 días (inminente).

trending_upStrengths

  • +Subasta inminente: cierre en 5 días, ventana de decisión limitada (presión vendedora)
  • +Cargas en posición preferente: hipoteca primaria, sin cargas senior ocultas

warningRisks

  • −Sin tasación judicial publicada: descuento sobre mercado no verificable

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

Palma de Mallorca, Illes Balears

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

—
Scope
Municipality
Zone median
€5,152 /m²
Period
abril 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€528,147
Transfer tax (ITP) 8% — Illes Balears€42,252
Notary (est.)€792
Land Registry (est.)€528
Admin agency (est.)€1,849
Estimated total investment€573,568

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.

gavelAuction property

Ends: 21 September 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (22 days)
On Atalaya since16 Sept 2026
Last updated16 Sept 2026

Aggregated data from public sources and servicer BOE - Portal de Subastas. 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