AtalayaAtalaya

Apartment in San Fernando de Henares

San Fernando de Henares, Madrid • Ref: #6B9A7269

€225,600
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Size

72 m²

Price / m²

€3,133

Rooms

3

OccupancyOccupied · legal tenantDeduced by AI
32
Apartment in San Fernando de Henares — San Fernando de Henares
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: Edificio plurifamiliar de ladrillo visto con carpinterias heterogeneas y aparatos de aire acondicionado en el exterior.
  • •Balcon: Terrazas y balcones de diferentes tipologias, algunos abiertos con barandilla metalica y otros cerrados con aluminio.

Description

Piso con 3 habitaciones en la provincia de Madrid, en el municipio de San fernando de henares, en la calle VIRGEN DEL TEMPLO. CON INCIDENCIAS: ALQUILADO-NO VISITABLE

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

32/100

Confidence: Low

Score breakdown

Zone delta
1/30
Possession
12/20
Physical state
14/25
Legal liens
7/15
Zone liquidity
0/15

Vivienda de 72.00m² en San Fernando de Henares a 3133€/m² (mediana zona 2758€/m², delta +13.6%). Estado Mejorable. Posesión con inquilino legal. Zona muy_baja, inventario reciente (13 días).

Risks

  • −Precio +13.6% por encima de mediana zonal

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

San Fernando de Henares, Madrid

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

+13.6%Above anchor
Scope
Municipality (MITMA)
Zone median
€2,758 /m²
This asset
€3,133 /m²
Samples
120
Period
Q4-2025
Source
MITMA

vs other bank assets

-16.2%Good price
Scope
Province (MITMA)
Zone median
€3,739 /m²
This asset
€3,133 /m²
Samples
2416
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€225,600
Transfer tax (ITP) 6% — Madrid€13,536
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€790
Estimated total investment€240,926
Estimated refurbishment (state: mejorable)€29,000 – €50,500

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 since16 Sept 2026
Last updated31 Oct 2026

Zone comparables

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View analysis

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