AtalayaAtalaya

House in Roldan

Lo Ferro, Roldan, Murcia • Ref: #51FBCABD

€49,500
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Size

91 m²

Price / m²

€544

Rooms

2

OccupancyOccupied · type to verify
56
House in Roldan — Lo Ferro, Roldan
Photo: Servihabitat
1 / 14

AI visual analysis

Automated analysis · physical condition

14 of 14 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: Presenta tapas de contadores rotas o descolgadas y marcas de desgaste superficial en la pintura exterior.
  • •Salon: Espacio despejado con suelos de gres en buen estado general, pero con marcas de uso en paredes y falta de embellecedores en mecanismos electricos.
  • •Dormitorio: Armarios empotrados de madera conservados, aunque la estancia requiere pintura general y revision de cerramientos.

Description

Estado: second-hand. Sin posesión legal

Characteristics

Bathrooms

2

Year built

1992

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.

straightenUnreconciled surface: the listing states 91 m² but the cadastre records 335 m² (+268%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
6259701XG7865G
Cadastral area
335 m²
Year built
1992
Cadastral use
Industrial

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

BUY

56/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
10/20
Physical state
14/25
Legal liens
7/15
Zone liquidity
Not assessable
—

Vivienda de 91.00m² en Roldan a 544€/m² (mediana zona 765€/m², delta -28.9%). Estado Mejorable. Posesión con ocupación a verificar. Zona muy_baja sin fecha de publicación fiable.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 1170 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 -28.9% frente a la mediana zonal (765€/m²)

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

Lo Ferro, Roldan, Murcia

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

-28.5%Strong opportunity
Scope
Province (MITMA)
Zone median
€761 /m²
This asset
€544 /m²
Samples
1166
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€49,500
Transfer tax (ITP) 8% — Murcia€3,960
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€54,760
Estimated refurbishment (state: mejorable)€36,500 – €63,500

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

SourceServihabitat
On Atalaya since30 Sept 2026
Last updated30 Sept 2026

Zone comparables

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View analysis

Aggregated data from public sources and servicer Servihabitat. 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