AtalayaAtalaya

Apartment in Monforte de Lemos

Plaza Do Piñeiro , S/n

Monforte de Lemos, Lugo • Ref: #91FACA6E

€5,610
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Size

136 m²

Price / m²

€41

Rooms

1

OccupancyVacant
43
Plaza Do Piñeiro , S/n — Monforte de Lemos
Photo: aliseda
1 / 6

AI visual analysis

Automated analysis · physical condition

6 of 6 photos analyzed

Physical condition

Derelict

Photo quality

Good

Model observations

  • •Fachada: El edificio presenta un estado de abandono con ventanas y balcones sin cerramientos.
  • •Fachada: La estructura del tejado parece estar dañada o incompleta.
  • •Exterior: Se observan andamios y elementos de obra en la parte inferior del edificio.

Description

Os presentamos este espacioso piso ubicado en Monforte de Lemos, Lugo. La vivienda se localiza en un edificio en construcción y se distribuye en una habitación, salón-comedor, cocina y un baño. La vivienda se encuentra en la 2a planta del edificio. Localizado en el centro de Monforte de Lemos. En sus alrededores encontramos escuelas, supermercados, bancos, farmacias, oficinas de correos y centros deportivos. En términos de accesibilidad, la propiedad dispone de múltiples conexiones y cuenta con fácil acceso a N-120. En Aliseda Inmobiliaria tenemos la mayor oferta de inmuebles al mejor precio garantizado. Descubre nuestra amplia oferta inmobiliaria y no pierdas la oportunidad de encontrar la casa perfecta para ti.

Characteristics

Bathrooms

1

Floor

2

Elevator

No

Terrace

No

Parking

No

Year built

2002

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

En tr

Legal & cadastral analysis

expand_more

Cadastral data

Cadastral ref.
2789074PH2028N0013MQ
Cadastral area
136 m²
Year built
2002
Cadastral use
Residential

How to buy this asset from the bank

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  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 3433 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

ANALYZE

43/100

Confidence: Medium

Score breakdown

Zone delta
Not assessable
—
Possession
20/20
Physical state
0/25
Legal liens
10/15
Zone liquidity
2/15

Vivienda de 136.00m² en Monforte de Lemos a 41€/m² (mediana zona 650€/m², delta %). En Ruina. Posesión libre. 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 53 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Strengths

  • +Aliseda no marca situación especial: presuponer vivienda libre

Risks

  • −3399 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

Monforte de Lemos, Lugo

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

-93.5%Strong opportunity
Scope
Province (MITMA)
Zone median
€632 /m²
This asset
€41 /m²
Samples
55
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€5,610
Transfer tax (ITP) 9% — Galicia€505
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€7,415
Estimated refurbishment (state: ruina)€122,500 – €190,500

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.
8 Apr 2026
€8,010arrow_forward€5,610-29.96%

Listing intel

SourceAliseda
On the market sinceJun 2017 (3433 days)
On Atalaya since11 Apr 2026
Last updated1 Nov 2026

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View analysis

Aggregated data from public sources and servicer aliseda. 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