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Apartment in Torrejón de Ardoz

Calle Campiña Nº 1 Bajo a

Torrejon de Ardoz, Madrid • Auction • Ref: #903EB2C7

€177,242-21% vs area market
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Size

80 m²

OccupancyUnconfirmed
72
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

Description

Vivienda en Torrejón de Ardoz (Madrid), en Calle Campiña nº 1 – bajo A.

Legal & cadastral analysis

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Legal analysis (AI)

Ocupacióndesconocido
Detalle cargasHIPOTECA a favor de "ALPHA CREDIT SOLUTIONS 5, S.à.r.l." para cuya ejecución se sigue el procedimiento del que dimana el mandamiento que ahora se cumplimenta, en garantía de la devolución de un préstamo de CIENTO SETENTA Y NUEVE MIL CIENTO NOVENTA Y UN EUROS de principal; dieciocho meses de intereses remuneratorios al tipo del 3,25% anual, salvo modificación pactada, de acuerdo con los términos del contrato; de veinticuatro meses de intereses moratorios al tipo de lo que resulta establecido, sin que en ninguno de ambos casos pueda sobrepasarse el límite máximo del trece por ciento y de la cantidad de VEINTISÉIS MIL OCHOCIENTOS SETENTA Y OCHO EUROS CON SESENTA Y CINCO CÉNTIMOS que se estipulan para costas y gastos. El préstamo tendrá una duración de TRESCIENTOS MESES contados a partir de la fecha de la escritura. Se TASA la finca para el caso de subasta en la cantidad de 177.241,50 euros y se fija como domicilio de la parte deudora para requerimientos y notificaciones, el de la propia finca hipotecada.
Hipoteca€179,191
Puja mínima€177,242
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgomedium
Litigioshipoteca, afeccion_fiscal
Análisis riesgoLa situación posesoria es desconocida, lo que introduce incertidumbre. La hipoteca es la carga principal y el procedimiento está en fase de ejecución hipotecaria, lo que es común en subastas.

Cadastral data

Unverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

straightenUnreconciled surface: the listing states 79.85 m² but the cadastre records 211 m² (+164%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
9875411VK5797N
Cadastral area
211 m²
Year built
2002
Cadastral use
Residential

How 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.

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

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

ANALYZE

72/100

Confidence: Medium

Score breakdown

Zone delta
19/30
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
15/15
Zone liquidity
6/15
BOE bonus
5/6

Subasta BOE en Torrejon de Ardoz a 177,242€. Sin tasación de referencia publicada. Posesión desconocida. Subasta cierra en 12 días.

Strengths

  • +Descuento del -20.9% frente a la mediana zonal (2808€/m²)
  • +Subasta inminente: cierre en 12 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
  • +Cargas legales acotadas o inexistentes

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

Torrejon de Ardoz, Madrid

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

-20.9%Good price
Scope
Municipality (MITMA)
Zone median
€2,808 /m²
This asset
€2,220 /m²
Samples
490
Period
Q4-2025
Source
MITMA

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€177,242
Transfer tax (ITP) 6% — Madrid€10,634
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€620
Estimated total investment€189,496

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: 28 September 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (17 days)
On Atalaya since8 Sept 2026
Last updated9 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