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Apartment in Mataró

Cerdanyola, Mataró, Barcelona • Auction • Ref: #98662A01

€162,320
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OccupancyUnconfirmed
55
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

Description

DESCRIPCIÓN:URBANA: VIVIENDA LETRA "D", en término de Mataró, vecindario de Cerdanyola, que forma parte del edificio con fachada principal a la calle Tres Rocas 1-3, formando esquina a la calle Capellanets, 10. Tiene acceso por la calle Tres Rocas, mediante pasillo común a esta vivienda y otras resultantes del cambio de uso. Consta de varias dependencias y servicios. Superficie.- Tiene una superficie construida de 41'20 metros cuadrados y útil de 37'21 metros cuadrados. Linda: Al Norte, con pasillo común y vivienda E; al Sur, con calle Capellanets; al Este, con calle tres Rotas y al Oeste, con vivienda E. Cuota: Se le asigna un coeficiente del 0'49 por ciento en la finca 37421, un coeficiente del 3'11 por ciento en la finca 37.423, y un coeficiente del 2'32 por ciento en cuanto a la finca 37.447.

Legal & cadastral analysis

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Legal analysis (AI)

Ocupacióndesconocido
Cargas (€)€208,099
Detalle cargasHIPOTECA a favor de: CAIXA ESTALVIS PENSIONS BARCELONA Capital: 181600,00 euros; Intereses: 7569,99 euros ordinarios y hasta la cantidad de 39053,98 euros por intereses de demora; Costas: 17962,00 euros. EMBARGO ADMINISTRATIVO sobre la totalidad de esta finca a favor de TESORERIA GENERAL DE LA SEGURIDAD SOCIAL URE 08/18 MATARO por 24.172,91 euros de principal; 199,9 euros para intereses; 876,22 euros para costas; un recargo de apremio de 4.834,58 euros. EMBARGO ADMINISTRATIVO sobre la totalidad de esta finca a favor de AGENCIA TRIBUTARIA MATARO por 6.333,52 euros de principal; 40,57 euros para intereses; 7.500 euros para costas. EMBARGO EJECUTIVO sobre la totalidad de esta finca perteneciente a RESTAPINT, S.L. a favor de RAUL LOZANO RICO, DAVID JESUS HERNANDEZ, FRANCISCO RODRIGUEZ TOMAS, CARMELO GARCIA GARCIA y ENRIQUE JAIMEZ AUGUETS por 96.089,53 euros de principal; 21.240,6 euros para intereses. EMBARGO ADMINISTRATIVO sobre la totalidad de esta finca a favor de AGENCIA TRIBUTARIA MATARO por 36.779,36 euros de principal; 1.098,7 euros para intereses; 7.717,46 euros para costas. EMBARGO EJECUTIVO sobre la totalidad de esta finca a favor de NOVAPOX, S.L. por 170.645,12 euros de principal; 56.500 euros para intereses.
Hipoteca€181,600
Embargos€208,099
Puja mínima€227,072
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgohigh
Litigiosservidumbre, hipoteca, embargo
Análisis riesgoLa propiedad tiene múltiples embargos y una hipoteca, lo que indica un alto nivel de cargas. La ocupación es desconocida, lo que añade incertidumbre y riesgo al proceso de adquisición.

Cadastral data

Unverified

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

Cadastral ref.
2292409DF5929S

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.

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

ANALYZE

55/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
6/15
Zone liquidity
13/15
BOE bonus
1/6

Subasta BOE en Mataró a 162,320€. Sin tasación de referencia publicada. Posesión desconocida. Subasta cierra en 5 días (inminente).

Strengths

  • +Subasta inminente: cierre en 5 días, ventana de decisión limitada (presión vendedora)

Risks

  • −Sin tasación judicial publicada: descuento sobre mercado no verificable

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

Cerdanyola, Mataró, Barcelona

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

—
Scope
Neighbourhood
Zone median
€1,916 /m²
Period
junio 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€162,320
Transfer tax (ITP) 10% — Cataluña€16,232
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€568
Estimated total investment€180,120

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: 21 September 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (24 days)
On Atalaya since16 Sept 2026
Last updated16 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