AtalayaAtalaya

Calle Sinia Morera, 14, Planta Baja, Puerta B, Sitges

Sitges, Barcelona • Retail · Auction • Ref: #74232351

€112,500
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OccupancyUnconfirmed
63
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

descriptionDescription

Local comercial Letra B , en la planta baja de la escalera 1 del edificio sito en Sitges con frente a la Calle de la Sínia Morera 14.

gavelLegal & cadastral analysis

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balanceLegal analysis (AI)

Ocupacióndesconocido
Cargas (€)€115,000
Detalle cargasHipoteca a favor de CAIXA D'ESTALVIS DEL PENEDES (actualmente BTL IRELAND ACQUISITIONS III DAC) por 75000 EUR de principal, 10500 EUR de costas y gastos, y 16500 EUR de intereses de demora. Otra hipoteca a favor de CAIXA D'ESTALVIS DEL PENEDES por 80000 EUR de capital, 13222 EUR de costas y gastos, y 17600 EUR de intereses de demora. Anotación preventiva de embargo a favor de BANCO DE SABADELL por 40874.24 EUR de principal y 12262.27 EUR de intereses y costas.
Hipoteca€115,000
Embargos€53,137
Puja mínima€112,500
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgohigh
Litigioshipoteca, embargo, afeccion_fiscal
Análisis riesgoExisten múltiples cargas hipotecarias y un embargo, lo que indica un riesgo elevado de que la deuda total sea superior al valor de tasación. La situación de ocupación es desconocida, lo que añade incertidumbre al proceso de desalojo.

assignmentCadastral data

Cadastral ref.
CF9696S002

routeHow to bid in this auction (BOE)

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  1. 1Read the full terms on subastas.boe.es: auction value, minimum bid, increments and surviving charges.
  2. 2Request a nota simple and study prior charges — auctions do NOT wipe them all; charges prior to the annotation survive.
  3. 3Deposit the required amount (usually 5% of the auction value) through the BOE platform to be able to bid.
  4. 4Bid within the window (usually 20 calendar days). If you win, you must pay the remainder within a short deadline — effectively a cash operation.
  5. 5After the award: decree, registration and, if occupied, the possession process. Think months, not weeks.

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

Auctions are effectively cash operations: you must deposit to bid and pay the remainder shortly after the award. Don't count on a traditional mortgage within those deadlines.

gavelCatalonia 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

ANALYZE

63/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Retail location
20/25
Legal liens
6/15
Zone liquidity
6/15
BOE bonus
1/6

Subasta BOE en Sitges a 112,500€. Sin tasación de referencia publicada. Posesión desconocida. Subasta cierra en 7 días (inminente).

trending_upStrengths

  • +Subasta inminente: cierre en 7 días, ventana de decisión limitada (presión vendedora)

warningRisks

  • −Sin referencia zonal específica para retail en esta zona
  • −Sin tasación judicial publicada: descuento sobre mercado no verificable

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

Sitges, Sitges, Barcelona

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

—
Scope
Province (MITMA)
Zone median
€478 /m²
Samples
31
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€112,500
Transfer tax (ITP) 10% — Cataluña€11,250
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€394
Estimated total investment€125,144

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.

gavelAuction property

Ends: 23 September 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (20 days)
On Atalaya since16 Sept 2026
Last updated16 Sept 2026

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Aggregated data from public sources and servicer BOE - Portal de Subastas. 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