AtalayaAtalaya

Calle La Higuera , Bloque 1-2º

Vicar, Almería • Apartment · Auction • Ref: #84A9D3C6

€204,000
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Size

89 m²

OccupancyOccupied · type to verify
36
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

descriptionDescription

VIVIENDA EN PLANTA SEGUNDA LA ENVIA DE 72,03 M2 ÚTILES

gavelLegal & cadastral analysis

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balanceLegal analysis (AI)

Ocupaciónocupada
Desahucio necesario
Cargas (€)€126,556
Detalle cargasHipoteca a favor de CAJA DE AHORROS PROVINCIAL SAN FERNANDO DE SEVILLA Y JEREZ por 120000 EUR de principal, intereses ordinarios 15%, intereses de demora 45%, costas y gastos 10%. Anotación preventiva de embargo a favor del AYUNTAMIENTO DE VÍCAR por 6555.74 EUR (3839.62 EUR principal, 767.95 EUR recargo, 1948.17 EUR intereses).
Hipoteca€120,000
Embargos€6,556
Puja mínima€204,000
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgohigh
Litigioshipoteca, embargo, anotacion_preventiva
Análisis riesgoLa propiedad es vivienda habitual de los ejecutados y está ocupada, lo que implica un proceso de desalojo más complejo y prolongado. Además, la hipoteca es la carga principal y el embargo del ayuntamiento es una carga adicional.

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

36/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
10/20
Physical state
Not assessable
—
Legal liens
6/15
Zone liquidity
Not assessable
—
BOE bonus
5/6

Subasta BOE en Vicar a 204,000€. Sin tasación de referencia publicada. Posesión con ocupación a verificar. Subasta cierra en 19 días.

trending_upStrengths

  • +Subasta inminente: cierre en 19 días, ventana de decisión limitada (presión vendedora)
  • +Vivienda habitual del deudor: activo real ocupado por propietario, no nominal
  • +Cargas en posición preferente: hipoteca primaria, sin cargas senior ocultas

warningRisks

  • −Precio +84.7% por encima de mediana zonal
  • −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

Vicar, Almería
map

Coordinates unavailable

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

+84.7%Above anchor
Scope
Municipality
Zone median
€1,245 /m²
This asset
€2,300 /m²
Period
2026-06
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€204,000
Transfer tax (ITP) 7% — Andalucía€14,280
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€714
Estimated total investment€219,994

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: 5 October 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (8 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