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House in Quel

Calle La Fragua

Quel, La Rioja • Ref: #8FB386F1

€1,200
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Size

214 m²

Price / m²

€6

Rooms

4

OccupancyOccupied · type to verify
56
Calle La Fragua — Quel
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta un aspecto envejecido con desconchones y suciedad en varias zonas.
  • •Exterior: Los cables eléctricos están a la vista y desordenados, lo que indica falta de mantenimiento.
  • •Exterior: Las ventanas y balcones muestran signos de desgaste y antigüedad.

Description

Casa unifamiliar de pueblo con una superficie construida de 214,32 m², distribuida en planta baja más tres alturas, con una configuración que incluye varias estancias destinadas a vivienda y espacios auxiliares. Ubicada en el casco urbano de la localidad, dispone de acceso a los servicios básicos y buenas comunicaciones con los municipios del entorno. El inmueble se encuentra afectado por un proyecto de derribo debido a su avanzado estado de deterioro, por lo que el interés del activo radica principalmente en el aprovechamiento urbanístico de la parcela o en actuaciones de sustitución acordes con la normativa vigente. Con nuestros servicios podrá encontrar la casa que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

1

Year built

1907

Legal & cadastral analysis

expand_more

Cadastral data

straightenUnreconciled surface: the listing states 214.32 m² but the cadastre records 280 m² (+31%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
8856316WM7785F0001UH
Cadastral area
280 m²
Year built
1907
Cadastral use
Residential

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.

handshakeThis asset has been listed for 1359 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

BUY

56/100

Confidence: High

Score breakdown

Zone delta
Not assessable
—
Possession
10/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
8/15

Vivienda de 214.32m² en Quel a 6€/m² (mediana zona 456€/m², delta %). Estado Mejorable. Posesión con ocupación a verificar. Zona muy_baja, más de 2 años sin vender.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 87 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Risks

  • −1329 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

Quel, La Rioja

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

-97.8%Strong opportunity
Scope
Province (MITMA)
Zone median
€269 /m²
This asset
€6 /m²
Samples
110
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€1,200
Transfer tax (ITP) 7% — La Rioja€84
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€2,584
Estimated refurbishment (state: mejorable)€85,500 – €150,000

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.
17 Sept 2026
€7,600arrow_forward€1,200-84.21%

Listing intel

SourceSolvia
On the market sinceFeb 2023 (1359 days)
On Atalaya since14 Sept 2026
Last updated30 Oct 2026

Zone comparables

Top 5 similar properties in Quel by AI score

See all bank-owned properties in Quel

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