AtalayaAtalaya

Apartment in Calahorra

Calle Toriles

Calahorra, La Rioja • Ref: #9A5CFE2B

€44,000
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Size

57 m²

Price / m²

€769

Rooms

2

OccupancyUnconfirmed
34
Calle Toriles — Calahorra
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Poor

Model observations

  • •Fachada: edificio entre medianeras con ladrillo visto y revestimiento exterior que presenta desprendimientos severos y medianera al descubierto.
  • •Exterior: cableado exterior desordenado y cierres de planta baja antiguos que requieren adecuacion y saneamiento.

Description

Piso de 57 m² ubicado en Calahorra, La Rioja. Se trata de un piso de 57 m² distribuidos en salón-comedor, cocina, 2 dormitorios y 1 baño. El inmueble se sitúa en el núcleo urbano de la localidad, con acceso por la red viaria urbana y conexión con las carreteras N-232 y LR-134, así como con la autopista AP-68. Calahorra dispone de líneas de autobús urbano e interurbano y estación de tren con servicios de Media Distancia. En la zona se encuentran supermercados, restaurantes, centros educativos, instalaciones deportivas, oficinas bancarias y comercios. A pocos minutos del Centro de Salud de Calahorra y del Centro Comercial ARCCA. Con nuestros servicios podrá encontrar el piso 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

1

Year built

1898

Legal & cadastral analysis

expand_more

Cadastral data

straightenUnreconciled surface: the listing states 57.25 m² but the cadastre records 79 m² (+38%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
5740912WM8854S0003HJ
Cadastral area
79 m²
Year built
1898
Cadastral use
Residential

How 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.

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

AVOID

34/100

Confidence: Low

Score breakdown

Zone delta
0/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
10/15
Zone liquidity
Not assessable
—

Vivienda de 57.25m² en Calahorra a 769€/m² (mediana zona 98€/m², delta +684.7%). Estado Mejorable. Posesión desconocida. Zona baja, inventario reciente (19 días).

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 12 listings bancarios del mismo city — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Risks

  • −Precio +684.7% por encima de mediana zonal

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

Calahorra, La Rioja

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

+669.0%Above anchor
Scope
City
Zone median
€100 /m²
This asset
€769 /m²
Samples
14
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€44,000
Transfer tax (ITP) 7% — La Rioja€3,080
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€48,380
Estimated refurbishment (state: mejorable)€23,000 – €40,000

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 sinceSept 2026 (38 days)
On Atalaya since6 Oct 2026
Last updated25 Oct 2026

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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