AtalayaAtalaya

Apartment in Posadas

Posadas, Córdoba • Ref: #664F6ADE

€50,000
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Size

81 m²

Price / m²

€617

Rooms

3

OccupancyUnconfirmed
49
Apartment in Posadas — Posadas
Photo: Urbaniza (Caja Rural)

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Bano: Presenta alicatado ceramico en tonos verdes y claros en buen estado de conservacion, con mampara o separacion de bloques de vidrio funcional.
  • •Bano: Instalacion electrica, iluminacion y elementos auxiliares operativos, sin signos visibles de humedades o desperfectos graves.

Description

Bank-owned property managed by Urbaniza (Caja Rural) (Banco Cooperativo Español).

Characteristics

Bathrooms

1

Year built

2015

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 81 m² but the cadastre records 246 m² (+204%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
4661304UG1846S
Cadastral area
246 m²
Year built
2015
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.

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

49/100

Confidence: Medium

Score breakdown

Zone delta
13/30
Possession
Not assessable
—
Physical state
20/25
Legal liens
7/15
Zone liquidity
2/15

Vivienda de 81.00m² en Posadas a 617€/m² (mediana zona 733€/m², delta -15.8%). Buen Estado. Posesión desconocida. Zona baja, 97 días en mercado.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 198 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Strengths

  • +Estado habitable sin reforma inmediata

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

Posadas, 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

-13.2%Good price
Scope
Province (MITMA)
Zone median
€711 /m²
This asset
€617 /m²
Samples
235
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€50,000
Transfer tax (ITP) 7% — Andalucía€3,500
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€54,800

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 since24 Jun 2026
Last updated22 Oct 2026

Zone comparables

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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