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House in Fernán-Núñez

Calle Colon

Fernán-núñez, Córdoba • Ref: #64074A0C

€89,000
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Size

124 m²

Price / m²

€718

Rooms

3

OccupancyOccupied · no titleDeduced by AI
32
Calle Colon — Fernán-núñez
Photo: Solvia
1 / 33

AI visual analysis

Automated analysis · physical condition

33 of 33 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada principal presenta un aspecto cuidado con pintura reciente y persianas en buen estado.
  • •Exterior: La segunda foto muestra una calle en pendiente con varias fachadas de viviendas, todas en un estado similar de conservación.
  • •Garaje: La puerta del garaje es metálica y parece funcional, aunque con signos de uso.

Description

Vivienda unifamiliar que consta de 2 plantas, compuesta por 3 dormitorios y dos baños. Se encuentra situado en la localidad de Fernán Núñez, provincia de Córdoba. La vivienda está compuesta de dos plantas. La planta baja consta de cochera a ras de calle y con acceso a la propia vivienda, hall, recibidor, patio central, cocina, salón-comedor, lavadero y baño, la planta segunda cuenta con 3 dormitorios, el principal con vestidor y baño, terraza. Casa en buen estado general y que requiere mínima reforma. Cuenta con fácil acceso por carretera a solo 30 kilómetros de la capital y próxima al centro de la población. A su alrededor podemos encontrar todos los servicios necesarios, como guardería, restauración y pequeño comercio. 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

2

Year built

1977

Energy rating

E

Legal & cadastral analysis

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Cadastral data

Cadastral ref.
7713606UG4771N0001EW
Cadastral area
124 m²
Year built
1977
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 973 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.

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
4/30
Possession
2/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
4/15

Vivienda de 124.00m² en Fernán-núñez a 718€/m² (mediana zona 707€/m², delta +1.6%). Estado Mejorable. Posesión con ocupación irregular. 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 225 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Risks

  • −IA detectó: ocupado por persona sin justo título
  • −956 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

Fernán-núñez, Córdoba

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

+1.0%In line
Scope
Province (MITMA)
Zone median
€711 /m²
This asset
€718 /m²
Samples
235
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€89,000
Transfer tax (ITP) 7% — Andalucía€6,230
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€312
Estimated total investment€96,542
Estimated refurbishment (state: mejorable)€49,500 – €87,000

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
9 Oct 2026
€56,000arrow_forward€89,000-58.93%

Listing intel

SourceSolvia
On the market sinceFeb 2024 (973 days)
On Atalaya since12 May 2026
Last updated24 Oct 2026

Zone comparables

Top 5 similar properties in Fernán-Núñez by AI score

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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