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Apartment in Arbúcies

Calle Vern

Arbúcies, Girona • Ref: #5D46EC72

€87,000
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Size

91 m²

Price / m²

€955

Rooms

3

OccupancyVacant
48
Calle Vern — Arbúcies
Photo: Solvia
1 / 11

AI visual analysis

Automated analysis · physical condition

11 of 11 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •La fachada presenta un aspecto envejecido con balcones de barandilla de hierro forjado.
  • •El salón tiene suelos de baldosas y paredes de color claro, con mobiliario antiguo.
  • •La cocina está equipada con muebles blancos y encimera oscura, con electrodomésticos que parecen funcionales pero antiguos.
  • •Los dormitorios tienen suelos de baldosas y paredes claras, con mobiliario básico y ventanas.

Description

Piso de 91 m², de 3 dormitorios y 1 baños, en venta en Arbucies, Girona. Se trata de un piso de 91 m² distribuidos en salón-comedor, cocina, 3 dormitorios y 1 baños. La vivienda se sitúa en el núcleo de la población, teniendo buenos accesos por carretera. También ofrece conexión por transporte público al estar cerca de varias paradas de autobús y de la estación de tren. En la población podemos encontrar servicios como supermercados, restaurantes, instalaciones deportivas, centros educativos, oficinas bancarias, otros negocios comerciales, etc. Cerca del ayuntamiento. Por todo ello, la convierten en una propuesta inteligente y una estupenda opción para construir un hogar. Con los servicios de Solvia 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. [Aviso legal] El inmueble se encuentra gravado con una o varias cargas, la/s cual/es se encuentra/n pendiente/s de su cancelación. Consultar su situación actual, así como, sus posibles limitaciones y la asunción de su cancelación. Se recomienda que el comprador obtenga asesoramiento profesional y legal antes de adoptar la decisión de compra.

Characteristics

Bathrooms

1

Year built

1990

Energy rating

E

Legal & cadastral analysis

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Cadastral data

Cadastral ref.
9896147DG5299N0005OK
Cadastral area
91 m²
Year built
1990
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 870 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

ANALYZE

48/100

Confidence: Medium

Score breakdown

Zone delta
13/30
Possession
10/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
3/15

Vivienda de 91.12m² en Arbúcies a 955€/m² (mediana zona 1093€/m², delta -12.6%). Estado Mejorable. Posesión con ocupación a verificar. Zona muy_baja, más de 2 años sin vender.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 5 listings bancarios del mismo postal — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Risks

  • −Referencia zonal poco fiable (fuente internal, n=5)
  • −859 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.

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Location

Arbúcies, Girona

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

-6.7%In line
Scope
Postal code
Zone median
€1,024 /m²
This asset
€955 /m²
Samples
6
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€87,000
Transfer tax (ITP) 10% — Cataluña€8,700
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€305
Estimated total investment€97,005
Estimated refurbishment (state: mejorable)€36,500 – €64,000

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

SourceSolvia
On the market sinceMay 2024 (870 days)
On Atalaya since11 Sept 2026
Last updated9 Oct 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