AtalayaAtalaya

Calle Valdizarbe

Añorbe, Navarra • House • Ref: #99F2EE1A

€79,000
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Size

140 m²

Price / m²

€564

Rooms

3

OccupancyVacant
46
Calle Valdizarbe — Añorbe
Photo: Solvia
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AI visual analysis

Automated analysis · physical condition

26 of 26 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •La fachada presenta desconchones y un aspecto descuidado, con la pintura deteriorada en varias zonas.
  • •La cocina tiene muebles de un estilo antiguo y los electrodomésticos parecen desactualizados, aunque funcionales.
  • •Los dormitorios tienen paredes con colores vivos y el suelo de madera está en buen estado, pero la decoración es dated.
  • •El salón tiene paredes con textura y un color salmón, con el suelo de madera en buen estado.

descriptionDescription

Chalet de segunda mano situada en el municipio de Añorbe, en la provincia de Navarra. Se ubica en una zona residencial y tranquila, rodeada de viviendas de similares características. Cuenta con una superficie de 140 m² que se distribuye en salón-comedor, cocina, 3 dormitorios y 3 baños. Se encuentra a pocos metros del ayuntamiento de Añorbe y dispone de todo tipo de servicios como centros educativos, restaurantes, cafeterías, bancos, etc... Tiene buena comunicación con la carretera mediante la NA-6013 y la NA-601. Además, está a 4 minutos a pie de la estación de autobuses de Añorbe. Con nuestros servicios podrá encontrar la vivienda 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

3

Elevator

No

Pool

No

Air conditioning

No

Heating

Yes

gavelLegal & cadastral analysis

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assignmentCadastral data

Cadastral ref.
310000000001598140MQ

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.

handshakeThis asset has been listed for 919 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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

ANALYZE

46/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 140.00m² en Añorbe a 564€/m² (mediana zona 1932€/m², delta -70.8%). Estado Mejorable. Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -70.8% frente a la mediana zonal (1932€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −916 días en mercado sin venderse

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

Añorbe, Navarra

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

-70.8%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,932 /m²
This asset
€564 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

+28.5%Above anchor
Scope
Province (MITMA)
Zone median
€439 /m²
This asset
€564 /m²
Samples
93
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€79,000
Transfer tax (ITP) 6% — Navarra€4,740
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€85,040
Estimated refurbishment (state: mejorable)€56,000 – €98,000

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

SourceSolvia
On the market sinceFeb 2024 (919 days)
On Atalaya since12 May 2026
Last updated29 Aug 2026

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