AtalayaAtalaya

House in Sarral

Sarral, Tarragona • Ref: #718DA2C3

€21,900
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Size

161 m²

Price / m²

€136

Rooms

6

OccupancyUnconfirmed
26
House in Sarral — Sarral
Photo: Servihabitat
1 / 10

AI visual analysis

Automated analysis · physical condition

10 of 10 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta desconchones y grietas, indicando necesidad de reparaciones.
  • •Cocina: La cocina muestra un estado envejecido con muebles y electrodomésticos antiguos, y suciedad generalizada.
  • •Pasillo: El pasillo se ve oscuro y con signos de deterioro, sugiriendo una reforma integral.
  • •Exterior: El exterior de la propiedad tiene cables expuestos y un aspecto descuidado.

Description

Estado: second-hand

Characteristics

Bathrooms

1

Terrace

No

Parking

No

Pool

No

Heating

Yes

Storage room

No

How to buy this asset from the bank

expand_more
  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

AVOID

26/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
Not assessable
—
Physical state
7/25
Legal liens
7/15
Zone liquidity
Not assessable
—

Vivienda de 161.00m² en Sarral a 136€/m² (mediana zona 929€/m², delta -85.4%). Requiere Reforma Integral. Posesión desconocida. Zona muy_baja, 154 días en mercado.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 781 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 -85.4% frente a la mediana zonal (929€/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

Sarral, Tarragona
map

Coordinates unavailable

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

-84.9%Strong opportunity
Scope
Province (MITMA)
Zone median
€900 /m²
This asset
€136 /m²
Samples
859
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€21,900
Transfer tax (ITP) 10% — Cataluña€2,190
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€25,390

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.
9 Jun 2026
€23,900arrow_forward€21,900-8.37%

Listing intel

SourceServihabitat
On Atalaya since28 Apr 2026
Last updated30 Oct 2026
See all bank-owned properties in Sarral

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