AtalayaAtalaya

Apartment in Torredembarra

Torredembarra, Tarragona • Auction • Ref: #54A38E5F

€375,000
open_in_newView original listing

Get new bank-owned properties in Torredembarra under your budget by email. Free.

Size

455 m²

Rooms

5

OccupancyOccupied · type to verify
72
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

Description

Vivienda unifamiliar aislada, sita en Torredembarra, calle Maestrat, siete, chaflán calle Empordà. Compuesta de: sótano, planta baja, planta primera y buhardilla. Sótano destinado a garaje y almacén; planta baja donde está situada la entrada, escalera al sótano y a las plantas superiores, despacho, dormitorio, sala de estar-comedor, cocina, lavadero, baño y terraza; planta primera, donde están situados cuatro dormitorios y un baño; y buhardilla donde está situada una sala-estudio. Tiene una superficie total construida de cuatrocientos cincuenta y cinco metros veinte centímetros cuadrados, de los cuales ciento cincuenta y nueve metros ochenta centímetros cuadrados corresponden a la planta sótano, ciento cuarenta y nueve metros diez decímetros cuadrados corresponden a la planta primera y treinta y un metros cincuenta decímetros cuadrados corresponden a la buhardilla. El resto del solar no edificado se destina a jardín. Está edificada sobre un solar de cabida quinientos sesenta y un metros setenta y ocho decímetros cuadrados.

Characteristics

Bathrooms

2

Year built

1996

Legal & cadastral analysis

expand_more

Legal analysis (AI)

Ocupaciónocupada
Desahucio necesario
Detalle cargasHipoteca a favor de Caixa d'Estalvis i Pensions de Barcelona (vencimiento 2009, pendiente de cancelación económica o registral) y embargo a favor del Ajuntament de Torredembarra sobre el 1/2 indiviso de Norberto Buisan Orus por 8.169,57 €.
Embargos€8,170
Fase judicialejecucion
Nivel de riesgohigh
Litigioshipoteca, embargo, anotacion_preventiva
Análisis riesgoSe trata de una división de cosa común donde el inmueble está ocupado por la demandada como vivienda habitual, y existen una hipoteca antigua posiblemente amortizada pero no cancelada y un embargo administrativo sobre el 50% indiviso.

Cadastral data

straightenUnreconciled surface: the listing states 455.2 m² but the cadastre records 543 m² (+19%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
6265219CF6566N0001DL
Cadastral area
543 m²
Year built
1996
Cadastral use
Residential

How to bid in this auction (BOE)

expand_more
  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.

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

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.

Catalonia specifics

In Catalonia the Generalitat holds first-refusal rights (tanteo y retracto) over transfers of homes originating from foreclosure (DL 1/2015): it can extend timelines. The cédula d'habitabilitat is mandatory for utilities and usually required for a mortgage. Also check for social-housing (VPO) status.

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

Alpha Rating

BUY

72/100

Confidence: Medium

Score breakdown

Zone delta
30/30
Possession
10/20
Physical state
Not assessable
—
Legal liens
12/15
Zone liquidity
4/15
BOE bonus
2/6

Subasta BOE en Torredembarra. Puja mínima 375,000€ vs tasación 450,000€ (descuento judicial 16.7%). Posesión con ocupación a verificar. Subasta cierra en 19 días. Vivienda habitual del deudor.

Strengths

  • +Descuento del -69.2% frente a la mediana zonal (2671€/m²)
  • +Subasta inminente: cierre en 19 días, ventana de decisión limitada (presión vendedora)
  • +Vivienda habitual del deudor: activo real ocupado por propietario, no nominal
  • +Cargas legales acotadas o inexistentes

Risks

  • −Ocupación judicial sin detalle: verificar in situ antes de pujar

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

Torredembarra, Torredembarra, Tarragona

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

-69.2%Strong opportunity
Scope
Municipality
Zone median
€2,671 /m²
This asset
€824 /m²
Period
2026-05
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€375,000
Transfer tax (ITP) 10% — Cataluña€37,500
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€1,313
Estimated total investment€414,813

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: 19 October 2026 at 16:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (10 days)
On Atalaya since29 Sept 2026
Last updated29 Sept 2026

Zone comparables

Top 5 similar properties in Torredembarra by AI score

See all bank-owned properties in Torredembarra
Clemente,, 15
62

Clemente,, 15

€75,000

€1,587/m² · 47.27 m²

View analysis
Calle De la Pobla de Montornes
56

Calle De la Pobla de Montornes

€173,000

€1,842/m² · 93.91 m²

View analysis
Avenida Pompeu Fabra
55

Avenida Pompeu Fabra

€419,100

€1,911/m² · 219.35 m²

View analysis
Cm de la Pobla de Montornes
54

Cm de la Pobla de Montornes

€168,000

€1,648/m² · 101.92 m²

View analysis
Torredembarra
51

Torredembarra

€255,000

€1,527/m² · 167 m²

View analysis

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