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House in Ateca

Ateca, Zaragoza • Ref: #6F50E439

€15,000
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Size

105 m²

Price / m²

€143

Rooms

1

OccupancyVacant
47
House in Ateca — Ateca
Photo: Solvia
1 / 7

AI visual analysis

Automated analysis · physical condition

7 of 7 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta un deterioro significativo con desprendimiento de enfoscado y pintura.
  • •Exterior: Se aprecian humedades y suciedad en la parte inferior de la pared.
  • •Exterior: La puerta de entrada y la ventana muestran signos de abandono y falta de mantenimiento.

Description

La vivienda tiene una superficie de 123.0 metros cuadrados útiles, compuesto por un dormitorio, un baño, salón-comedor y cocina, distribuido en dos plantas. El entorno cuenta con las infraestructuras urbanas básicas (alumbrado público, suministro eléctrico, red de saneamiento, abastecimiento de agua potable y encintado de aceras), las cuales aparentemente se encuentran en buen estado de conservación. Además, dispone de equipamientos suficientes: comercial, deportivo, escolar, asistencial, religioso, lúdico y zonas verdes. Las comunicaciones del entorno con el resto de la población son suficientes para las necesidades de la zona. Ateca es una villa y municipio español de la provincia de Zaragoza, en Aragón. Cuenta con una población de 1729 habitantes y una densidad de 20,80 hab/km² (INE 2021). Perteneciente a la Comunidad de Calatayud, es el segundo núcleo de población de la comarca, tras la capital bilbilitana.

Characteristics

Bathrooms

1

Year built

1950

Energy rating

F

Legal & cadastral analysis

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Cadastral data

Cadastral ref.
1063310XL0706S0001GK
Cadastral area
105 m²
Year built
1950
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.

handshakeThis asset has been listed for 593 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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

47/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
8/15

Vivienda de 105.00m² en Ateca a 143€/m² (mediana zona 539€/m², delta -73.5%). Requiere Reforma Integral. Posesión libre. Zona muy_baja, stock estancado (582 días).

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 275 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Strengths

  • +Descuento del -73.5% frente a la mediana zonal (539€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

Risks

  • −582 días en mercado sin venderse

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

Ateca, Zaragoza

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

-69.0%Strong opportunity
Scope
Province (MITMA)
Zone median
€462 /m²
This asset
€143 /m²
Samples
323
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€15,000
Transfer tax (ITP) 8% — Aragón€1,200
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€17,500

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

SourceSolvia
On the market sinceFeb 2025 (593 days)
On Atalaya since7 Sept 2026
Last updated9 Oct 2026

Zone comparables

Top 5 similar properties in Ateca by AI score

See all bank-owned properties in Ateca

Aggregated data from public sources and servicer Solvia. 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