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AtalayaAtalaya

Apartment in Lleida

Calle Mariola

Lleida • Ref: #555E7500

€20,000-64% vs area market
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Size

37 m²

Price / m²

€541

Rooms

2

OccupancyOccupied · type to verify
65
Calle Mariola — Lleida
Photo: Solvia
1 / 24

AI visual analysis

Automated analysis · physical condition

24 of 24 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta desconchones y suciedad, con rejas en las ventanas y tuberías a la vista.
  • •Interior: Las paredes interiores tienen pintura desconchada y suciedad, con cables expuestos.
  • •Suelos: Los suelos son de baldosas antiguas y desgastadas, con suciedad y restos de obra.
  • •Bano: El baño está destripado, con el inodoro y el lavabo sin instalar completamente.

Description

Vivienda situada en un edificio de cuatro alturas sobre rasante, ubicado en la calle Mariola, en la ciudad de Lleida. El edificio dispone de una cierta antigüedad, por lo que carece de ascensor. La vivienda tiene una superficie construida de 45m2 y una superficie útil de 32 m2 y está distribuida en un amplio hall de entrada, que da acceso a una cocina equipada independiente muy luminosa exterior y amueblada, y un pasillo que distribuye a un gran salón comedor con salida a una terraza exterior, dos dormitorios siendo una de ellas habitación doble, y un cuarto de baño completo con bañera. La vivienda dispone de carpintería exterior de aluminio con acristalamiento sencillo, carpintería interior de madera principalmente de sapeli, su puerta de acceso es normal blindada, disponiendo de calefacción de gas natural pero no de aire acondicionado. Los suelos de las estancias son de gres cerámico, y la pintura es monocapa, plástica lisa, en todas las estancias. En la vivienda es necesario realizar una reforma para adecuarlo a unas condiciones de habitabilidad óptimas. Se localiza en una zona consolidada con carácter urbano y residencial, situado a pocos minutos del centro de la población, rodeado por fincas de similares características. Dispone de equipamientos suficientes en el entorno como: médico-sanitario, docente, religioso, comercial, restaurantes. Cuenta con buenas comunicaciones con el resto de la localidad. Buen acceso a través de carreteras principales que rodea al municipio y lo comunican con el resto de la provincia. Con nuestros servicios podrá encontrar la vivienda que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

1

Elevator

No

Year built

1955

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

Legal & cadastral analysis

expand_more

Cadastral data

straightenUnreconciled surface: the listing states 37 m² but the cadastre records 45 m² (+22%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
1096205CG0019E0010RI
Cadastral area
45 m²
Year built
1955
Cadastral use
Residential

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.

handshakeThis asset has been listed for 943 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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.

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

65/100

Confidence: High

Score breakdown

Zone delta
30/30
Possession
10/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
11/15

Vivienda de 37.00m² en Lleida a 541€/m² (mediana zona 1526€/m², delta -64.5%). Requiere Reforma Integral. Posesión con ocupación a verificar. Zona media, más de 2 años sin vender.

Strengths

  • +Descuento del -64.5% frente a la mediana zonal (1526€/m²)

Risks

  • −934 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

Lleida, Lleida

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

-64.5%Strong opportunity
Scope
Municipality
Zone median
€1,526 /m²
This asset
€541 /m²
Period
septiembre 2026
Source
Idealista

vs other bank assets

-24.0%Good price
Scope
Postal code
Zone median
€712 /m²
This asset
€541 /m²
Samples
51
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€20,000
Transfer tax (ITP) 10% — Cataluña€2,000
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€23,300

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.
13 Jun 2026
€25,000arrow_forward€20,000-20%

Listing intel

SourceSolvia
On the market sinceFeb 2024 (943 days)
On Atalaya since21 May 2026
Last updated25 Sept 2026

Zone comparables

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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