AtalayaAtalaya

Apartment in Torrijos

Torrijos, Toledo • Ref: #64734152

€154,100
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Size

198 m²

Price / m²

€778

OccupancyOccupied · legal tenantDeduced by AI
37
Apartment in Torrijos — Torrijos
Photo: Unicaja Inmuebles

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: Conjunto de viviendas adosadas de ladrillo visto y revestimiento continuo en aparente estado de conservacion adecuado.
  • •Exterior: Entorno urbano residencial consolidado con viales y aceras sin signos visibles de abandono o deterioro severo.

Description

Piso en la provincia de Toledo, en el municipio de Torrijos, en la calle CLDOCTOR FLEMING.CON INCIDENCIAS: INMUEBLE ALQUILADO - NO VISITABLE.

Characteristics

Bathrooms

2

Year built

2005

Legal & cadastral analysis

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Cadastral data

Unverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

straightenUnreconciled surface: the listing states 198 m² but the cadastre records 1260 m² (+536%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
11760A7UK9207N
Cadastral area
1260 m²
Year built
2005
Cadastral use
Healthcare & welfare

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

AVOID

37/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
12/20
Physical state
14/25
Legal liens
7/15
Zone liquidity
2/15

Vivienda de 198.00m² en Torrijos a 778€/m² (mediana zona 801€/m², delta -2.9%). Estado Mejorable. Posesión con inquilino legal. Zona muy_baja, 143 días en mercado.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 415 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

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

Torrijos, Toledo

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

-2.9%In line
Scope
Province (MITMA)
Zone median
€801 /m²
This asset
€778 /m²
Samples
454
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€154,100
Transfer tax (ITP) 9% — Castilla-La Mancha€13,869
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€539
Estimated total investment€169,508
Estimated refurbishment (state: mejorable)€79,000 – €138,500

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

SourceUnicaja
On Atalaya since9 May 2026
Last updated9 Oct 2026

Zone comparables

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Aggregated data from public sources and servicer Unicaja Inmuebles. 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