AtalayaAtalaya

Retail in Caravaca de la Cruz

Caravaca de la Cruz, Murcia • Ref: #53FAB923

€64,000
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OccupancyOccupied · no title
32
Retail in Caravaca de la Cruz — Caravaca de la Cruz
Photo: Solvia
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AI visual analysis

Automated analysis · physical condition

4 of 4 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •La fachada del edificio presenta un aspecto general aceptable, aunque se aprecian algunas zonas con posible desgaste.
  • •Las ventanas de la planta baja parecen ser de un local comercial y no permiten evaluar el interior de una vivienda.

Description

Bank-owned property managed by Solvia (Livingcenter (CaixaBank)).

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.
0382301XH0108C

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

32/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
2/20
Retail location
Not assessable
—
Legal liens
7/15
Zone liquidity
7/15

Local comercial planta unknown de ?m² en Caravaca de la Cruz a ?€/m² (mediana zona 399€/m², delta %). con ocupación irregular. Zona muy_baja, inventario reciente (0 días).

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 206 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Risks

  • −BuildingCenter (CaixaBank) marca el activo como reocupado tras la recuperación

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

Caravaca de la Cruz, 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

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Scope
Province (MITMA)
Zone median
€418 /m²
Samples
197
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€64,000
Transfer tax (ITP) 8% — Murcia€5,120
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€70,420

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
17 Sept 2026
€66,000arrow_forward€64,000-3.03%

Listing intel

SourceBuildingCenter (CaixaBank)
On Atalaya since16 Sept 2026
Last updated24 Sept 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