AtalayaAtalaya

House in Cáceres

Cáceres • Ref: #5DD644F4

€185,553-14% vs area market
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Size

152 m²

Price / m²

€1,221

Rooms

4

OccupancyUnconfirmed
47
House in Cáceres — Cáceres
Photo: Urbaniza (Caja Rural)

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: Revestimiento exterior pintado en dos tonos con carpinteria de aluminio, persianas y rejas de seguridad en ventanas.
  • •Exterior: Se aprecian canalones y bajantes pluviales exteriores en aparente estado funcional sin colapsos estructurales a la vista.

Description

Bank-owned property managed by Urbaniza (Caja Rural) (Caja Rural de Extremadura).

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

ANALYZE

47/100

Confidence: Medium

Score breakdown

Zone delta
13/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
6/15

Vivienda de 152.00m² en Caceres a 1221€/m² (mediana zona 1422€/m², delta -14.1%). Estado Mejorable. Posesión desconocida. Zona muy_baja, inventario reciente (16 días).

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

Cáceres, Cáceres

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

-14.1%Good price
Scope
Municipality (MITMA)
Zone median
€1,422 /m²
This asset
€1,221 /m²
Samples
345
Period
Q4-2025
Source
MITMA

vs other bank assets

+59.6%Above anchor
Scope
City
Zone median
€765 /m²
This asset
€1,221 /m²
Samples
16
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€185,553
Transfer tax (ITP) 8% — Extremadura€14,844
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€649
Estimated total investment€202,046
Estimated refurbishment (state: mejorable)€61,000 – €106,500

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

SourceCaja Rural
On Atalaya since13 Sept 2026
Last updated9 Oct 2026

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Aggregated data from public sources and servicer Urbaniza (Caja Rural). 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