AtalayaAtalaya

Apartment in Cobeja

Cobeja, Toledo • Ref: #960E8D98

€95,000-32% vs area market
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Size

109 m²

Price / m²

€872

Rooms

3

OccupancyUnconfirmed
57
Apartment in Cobeja — Cobeja
Photo: Servihabitat
1 / 2

AI visual analysis

Automated analysis · physical condition

2 of 2 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: Los edificios de la calle muestran un aspecto envejecido, con ladrillo visto y balcones que parecen necesitar mantenimiento.
  • •Exterior: La calle presenta un aspecto urbano normal, con coches aparcados y aceras, pero sin elementos que sugieran un estado impecable o de ruina.

Description

Estado: Segunda mano

Characteristics

Bathrooms

1

Elevator

Yes

Terrace

Yes

Parking

No

Heating

Yes

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.

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

57/100

Confidence: Medium

Score breakdown

Zone delta
19/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
Not assessable
—

Vivienda de 86.00m² en Illescas a 1078€/m² (mediana zona 1583€/m², delta -31.9%). Estado Mejorable. Posesión desconocida. Zona muy_baja, 136 días en mercado.

Strengths

  • +Descuento del -31.9% frente a la mediana zonal (1583€/m²)

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.

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Location

Cobeja, Toledo

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

+6.5%Above anchor
Scope
Province (MITMA)
Zone median
€819 /m²
This asset
€872 /m²
Samples
448
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€95,000
Transfer tax (ITP) 9% — Castilla-La Mancha€8,550
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€333
Estimated total investment€104,883
Estimated refurbishment (state: mejorable)€43,500 – €76,500

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.
28 Oct 2026
€92,700arrow_forward€95,000-2.48%

Listing intel

SourceServihabitat
On Atalaya since28 May 2026
Last updated28 Oct 2026

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Aggregated data from public sources and servicer Servihabitat. 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