AtalayaAtalaya

Apartment in Sant Andreu de la Barca

Sant Andreu de la Barca, Barcelona • Ref: #64C48D2A

€82,900-55% vs area market
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Size

74 m²

Price / m²

€1,120

Rooms

3

OccupancyUnconfirmed
41
Apartment in Sant Andreu de la Barca — Sant Andreu de la Barca
Photo: Servihabitat

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta un aspecto envejecido y sucio, con cables a la vista y algunas manchas.
  • •Exterior: Las persianas y ventanas parecen funcionales, pero el conjunto del edificio denota falta de mantenimiento.
  • •Exterior: Hay macetas en la acera que intentan mejorar el aspecto, pero el estado general es de descuido.

Description

Estado: second-hand

Characteristics

Bathrooms

1

Terrace

No

Parking

No

Pool

No

Storage room

No

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.

Cadastral ref.
4492202DF1849S

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.

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

41/100

Confidence: Medium

Score breakdown

Zone delta
8/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
Not assessable
—

Vivienda de 74.00m² en Sant Andreu de la Barca a 1120€/m² (mediana zona 2468€/m², delta -54.6%). Estado Mejorable. Posesión desconocida. Zona muy_baja, inventario reciente (12 días).

Strengths

  • +Descuento del -54.6% frente a la mediana zonal (2468€/m²)

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

Sant Andreu de la Barca, Barcelona

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

-55.5%Strong opportunity
Scope
Municipality (MITMA)
Zone median
€2,518 /m²
This asset
€1,120 /m²
Samples
91
Period
Q4-2025
Source
MITMA

vs other bank assets

-26.8%Strong opportunity
Scope
Postal code
Zone median
€1,530 /m²
This asset
€1,120 /m²
Samples
6
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€82,900
Transfer tax (ITP) 10% — Cataluña€8,290
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€92,490
Estimated refurbishment (state: mejorable)€29,500 – €52,000

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

SourceServihabitat
On Atalaya since28 Apr 2026
Last updated25 Sept 2026

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Aggregated data from public sources and servicer Servihabitat. 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