AtalayaAtalaya

Casa en San Miguel del Valle

San Miguel del Valle, Zamora • Apartment • Ref: #997C3F1D

€69,000-62% vs area market
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Size

180 m²

Price / m²

€383

Rooms

5

OccupancyUnconfirmed
26
Casa en San Miguel del Valle — San Miguel del Valle
Photo: Urbaniza (Caja Rural)

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta manchas de humedad y suciedad, indicando falta de mantenimiento.
  • •Exterior: El terreno circundante está descuidado, con vegetación y escombros.
  • •Garaje: La puerta del garaje está abierta y el interior parece estar en obras o con materiales de construcción.
  • •Balcon: El balcón tiene una estructura de techo provisional y la barandilla parece incompleta.

descriptionDescription

Bank-owned property managed by Urbaniza (Caja Rural) (Banco Cooperativo Español).

Characteristics

Bathrooms

3

Year built

1900

gavelLegal & cadastral analysis

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assignmentCadastral datahelpUnverified

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

straightenUnreconciled surface: the listing states 180 m² but the cadastre records 129 m² (-28%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
3563513TM9536S
Cadastral area
129 m²
Year built
1900
Cadastral use
Residential

routeHow 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.

checklistMinimum 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).

warningDebts 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.

account_balanceFinancing

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

AVOID

26/100

Confidence: Low

Score breakdown

Zone delta
8/30
Possession
Not assessable
—
Physical state
7/25
Legal liens
7/15
Zone liquidity
0/15

Vivienda de 180.00m² en San Miguel del Valle a 383€/m² (mediana zona 1009€/m², delta -62.0%). Requiere Reforma Integral. Posesión desconocida. Zona muy_baja, 110 días en mercado.

trending_upStrengths

  • +Descuento del -62.0% frente a la mediana zonal (1009€/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.

location_on

Location

San Miguel del Valle, Zamora

analyticsPrice 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.

publicvs free market

-62.0%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,009 /m²
This asset
€383 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€69,000
Transfer tax (ITP) 8% — Castilla y León€5,520
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€75,820

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

SourceCaja Rural
On Atalaya since12 May 2026
Last updated31 Aug 2026

Aggregated data from public sources and servicer Urbaniza (Caja Rural). 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