AtalayaAtalaya

Calle Bellas Artes Nº, 4

Oliver-Valdefierro, Zaragoza • Apartment · Auction • Ref: #7A9E92A0

€355,530
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OccupancyOccupied · type to verify
32
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

descriptionDescription

FINCA URBANA: VIVIENDA UNIFAMILIAR SITA EN LA CALLE BELLAS ARTES, Nº 4, 32-C, DE ZARAGOZA (50012)

gavelLegal & cadastral analysis

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balanceLegal analysis (AI)

Ocupaciónocupada
Desahucio necesario
Cargas (€)€504,369
Detalle cargasHIPOTECA a favor de IBERCAJA BANCO, SA por 150000 EUR de principal, 10500 EUR de intereses ordinarios, 28500 EUR de intereses de demora y 15000 EUR para costas y gastos. EMBARGO de la HACIENDA PÚBLICA contra Miguel Gutiérrez Ordóñez por 310191.99 EUR. EMBARGO de la HACIENDA PÚBLICA contra María Pilar Varela Sánchez por 229695.20 EUR. EMBARGO de la TESORERÍA GENERAL DE LA SEGURIDAD SOCIAL contra Miguel Gutiérrez Ordóñez por 98577.22 EUR. AFECCIÓN FISCAL por 5 años desde el 09/12/2020 por Impuesto de Transmisiones Patrimoniales y Actos Jurídicos Documentados.
Hipoteca€204,000
Embargos€638,464
Fase judicialejecucion
Nivel de riesgohigh
Litigioshipoteca, embargo, anotacion_preventiva, afeccion_fiscal, usufructo
Análisis riesgoLa propiedad está gravada con múltiples cargas que superan el valor de tasación para subasta, incluyendo una hipoteca y varios embargos de Hacienda y Seguridad Social. Además, existe un derecho de habitación vitalicio y gratuito, lo que complica la desocupación y la venta del inmueble.

assignmentCadastral data

Cadastral ref.
2809231XM7120H0005AR
Cadastral area
205 m²
Year built
1999
Cadastral use
Residential

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.

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
Not assessable
—
Possession
10/20
Physical state
Not assessable
—
Legal liens
2/15
Zone liquidity
3/15
BOE bonus
2/6

Subasta BOE en Zaragoza a 355,530€. Sin tasación de referencia publicada. Posesión con ocupación a verificar. Subasta cierra en 5 días (inminente).

trending_upStrengths

  • +Subasta inminente: cierre en 5 días, ventana de decisión limitada (presión vendedora)
  • +Vivienda habitual del deudor: activo real ocupado por propietario, no nominal

warningRisks

  • −Ocupación judicial sin detalle: verificar in situ antes de pujar
  • −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

Oliver-Valdefierro, Zaragoza, Zaragoza

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.

publicvs free market

—
Scope
Municipality
Zone median
€2,269 /m²
Period
septiembre 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€355,530
Transfer tax (ITP) 8% — Aragón€28,442
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€1,244
Estimated total investment€386,216

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: 21 September 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (22 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