AtalayaAtalaya

Apartment in Torre-Pacheco

Torre-pacheco, Murcia • Ref: #988AD4A5

€83,900-28% vs area market
open_in_newView original listing

Get new bank-owned properties in Torre-pacheco under your budget by email. Free.

Size

90 m²

Price / m²

€933

Rooms

3

OccupancyVacant
67
Apartment in Torre-Pacheco — Torre-pacheco
Photo: Solvia
1 / 10

AI visual analysis

Automated analysis · physical condition

10 of 10 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: Exterior y patio delantero en estado funcional y conservado, aunque con desgaste superficial y carpinterías básicas.
  • •Salon: Espacio amplio con suelos cerámicos en buen estado, pero con evidentes manchas de suciedad o humedad en paredes que requieren repintado.
  • •Cocina: Mobiliario básico y envejecido pero aparentemente entero, con ausencia de electrodomésticos.

Description

Bank-owned property managed by Solvia (BuildingCenter, S.A.U. (CaixaBank)).

Characteristics

Bathrooms

2

Elevator

No

Terrace

No

Parking

No

Year built

2005

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

E

Legal & cadastral analysis

expand_more

Cadastral data

Cadastral ref.
1301801XG8810A0015QH
Cadastral area
96 m²
Year built
2005
Cadastral use
Residential

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

BUY

67/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
20/20
Physical state
14/25
Legal liens
7/15
Zone liquidity
Not assessable
—

Vivienda de 89.95m² en Torre-pacheco a 933€/m² (mediana zona 1302€/m², delta -28.4%). Estado Mejorable. Posesión libre. Zona baja, inventario reciente (0 días).

Strengths

  • +Descuento del -28.4% frente a la mediana zonal (1302€/m²)
  • +BuildingCenter (CaixaBank) declara el activo con posesión: 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

Torre-pacheco, Murcia

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

-28.4%Strong opportunity
Scope
Municipality (MITMA)
Zone median
€1,302 /m²
This asset
€933 /m²
Samples
197
Period
Q4-2025
Source
MITMA

vs other bank assets

-3.7%In line
Scope
City
Zone median
€969 /m²
This asset
€933 /m²
Samples
37
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€83,900
Transfer tax (ITP) 8% — Murcia€6,712
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€91,912
Estimated refurbishment (state: mejorable)€36,000 – €63,000

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

SourceBuildingCenter (CaixaBank)
On Atalaya since8 Oct 2026
Last updated9 Oct 2026

Zone comparables

Top 5 similar properties in Torre-Pacheco by AI score

See all bank-owned properties in Torre-Pacheco
Calle Severo Ochoa
63

Calle Severo Ochoa

€62,800

€782/m² · 80.27 m²

View analysis
Piso en Lope de Vega
60

Piso en Lope de Vega

€74,000

€510/m² · 145 m²

View analysis
Sin Filtros For Sale In C Rio Guadalentin Torre Pacheco Murcia
55

Sin Filtros For Sale In C Rio Guadalentin Torre Pacheco Murcia

€91,300

€801/m² · 114 m²

View analysis
Piso en Hernando Magallanes
55

Piso en Hernando Magallanes

€79,550

€642/m² · 124 m²

View analysis
Piso en Torre Pacheco (murcia)
52

Piso en Torre Pacheco (murcia)

€70,000

€1,014/m² · 69 m²

View analysis

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