AtalayaAtalaya

Vivienda Adosada en Ortoa

Ortoa, Lugo • House • Ref: #6EDA4DB3

€9,900
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Size

128 m²

Price / m²

€77

Rooms

3

OccupancyUnconfirmed
13
Vivienda Adosada en Ortoa — Ortoa
Photo: Escogecasa
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AI visual analysis

Automated analysis · physical condition

6 of 6 photos analyzed

Physical condition

Derelict

Photo quality

Good

Model observations

  • •Fachada: La propiedad presenta un estado de abandono con vegetación cubriendo gran parte de las paredes de piedra y cemento.
  • •Exterior: Las ventanas están rotas o ausentes, y la estructura general parece muy deteriorada.
  • •Exterior: Hay un anexo con techo de uralita que también muestra signos de deterioro.

descriptionDescription

INMUEBLE NO VISITABLE. Casa en entorno rural rodeado de naturaleza. Adosada y realizada en piedra tipica gallega, requiere rehabilitación integral. Superficie de 89,49 m2. Desarrollada en dos plantas, con una distribuida en planta baja de recibidor, estancia polivalente y cocina planta alta con tres dormitorios. Situada a 6 km del nucleo urbano de Sarria, municipio Etapa del Camino Francés del Camino de Santiago. NOTA RELEVANTE: La vivienda no tiene parcela de terreno y actualmente no dispone de acceso directo a la vivienda.

Characteristics

Bathrooms

1

Elevator

No

Terrace

No

Parking

No

Year built

1880

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

gavelLegal & cadastral analysis

expand_more

assignmentCadastral datahelpUnverified

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

straightenUnreconciled surface: the listing states 128.14 m² but the cadastre records 166 m² (+30%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
AE0301100PH23H
Cadastral area
166 m²
Year built
1975
Cadastral use
Residential

routeHow 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.

checklistMinimum 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).

warningDebts 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.

account_balanceFinancing

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

13/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Physical state
0/25
Legal liens
7/15
Zone liquidity
0/15

Vivienda de 128.14m² en Ortoa a 77€/m² (mediana zona 650€/m², delta %). En Ruina. Posesión desconocida. Zona muy_baja, 136 días en mercado.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 54 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

Ortoa, Lugo

analyticsPrice 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.

account_balancevs other bank assets

-88.2%Strong opportunity
Scope
Province (MITMA)
Zone median
€650 /m²
This asset
€77 /m²
Samples
54
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€9,900
Transfer tax (ITP) 9% — Galicia€891
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€12,091
Estimated refurbishment (state: ruina)€115,500 – €179,500

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
24 Jun 2026
€12,600arrow_forward€9,900-21.43%

Listing intel

SourceEscogecasa
On Atalaya since9 May 2026
Last updated23 Sept 2026

Aggregated data from public sources and servicer Escogecasa. 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