AtalayaAtalaya

Apartment in Roses

Avenida Nord

Santa Margarida, Roses, Girona • Ref: #952CCAD5

€131,200-33% vs area market
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Size

52 m²

Price / m²

€2,500

Rooms

2

OccupancyVacant
61
Avenida Nord — Santa Margarida, Roses
Photo: Solvia
1 / 8

AI visual analysis

Automated analysis · physical condition

8 of 8 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Cocina: Los muebles de cocina son de madera y se ven antiguos, con un diseño dated.
  • •Salon: Las paredes del salón necesitan pintura y se observa una zona con la pintura levantada.
  • •Bano: El baño presenta azulejos y sanitarios antiguos, aunque funcionales.
  • •Exterior: La fachada del edificio y las zonas comunes exteriores se ven en buen estado general.

Description

Piso de 52 m² ubicado en Roses, Girona. Se trata de un piso de 52 m² distribuidos en salón-comedor, cocina, 1 dormitorio y 1 baño. El inmueble se sitúa en el barrio de Santa Margarida, con acceso próximo a la carretera C-260. La zona dispone de líneas de autobús urbano e interurbano, con conexiones con otros puntos de Roses y localidades del entorno. En los alrededores se encuentran supermercados, restaurantes, centros educativos, instalaciones deportivas y otros comercios. A pocos minutos de la playa de Santa Margarida. Con nuestros servicios podrá encontrar el piso 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

Elevator

Yes

Year built

1991

Pool

No

Air conditioning

No

Heating

No

Garden

No

Energy rating

G

Legal & cadastral analysis

expand_more

Cadastral data

straightenUnreconciled surface: the listing states 52.49 m² but the cadastre records 61 m² (+16%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
1400629EG1810S0017LY
Cadastral area
61 m²
Year built
1991
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.

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.

Catalonia specifics

In Catalonia the Generalitat holds first-refusal rights (tanteo y retracto) over transfers of homes originating from foreclosure (DL 1/2015): it can extend timelines. The cédula d'habitabilitat is mandatory for utilities and usually required for a mortgage. Also check for social-housing (VPO) status.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

BUY

61/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
1/15

Vivienda de 52.49m² en Roses a 2500€/m² (mediana zona 3762€/m², delta -33.5%). Estado Mejorable. Posesión libre. Zona muy_baja, inventario reciente (7 días).

Strengths

  • +Descuento del -33.5% frente a la mediana zonal (3762€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

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

Santa Margarida, Roses, Girona

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

-33.5%Strong opportunity
Scope
Municipality
Zone median
€3,762 /m²
This asset
€2,500 /m²
Period
2026-05
Source
Idealista

vs other bank assets

+56.3%Above anchor
Scope
Postal code
Zone median
€1,599 /m²
This asset
€2,500 /m²
Samples
5
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€131,200
Transfer tax (ITP) 10% — Cataluña€13,120
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€459
Estimated total investment€145,779
Estimated refurbishment (state: mejorable)€21,000 – €36,500

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.

Listing intel

SourceSolvia
On the market sinceSept 2026 (16 days)
On Atalaya since11 Sept 2026
Last updated25 Sept 2026

Zone comparables

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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