AtalayaAtalaya

Postigo

Toral de los Guzmanes, León • House • Ref: #9EEEA2C8

€14,000-97% vs area market
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Size

391 m²

Price / m²

€36

Rooms

6

OccupancyUnconfirmed
31
Postigo — Toral de los Guzmanes
Photo: Solvia
1 / 4

AI visual analysis

Automated analysis · physical condition

4 of 4 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

descriptionDescription

Magnífica vivienda unifamiliar adosada a reformar de dos alturas, consta de seis dormitorios y tres baños. Dispone de cuadra, un gran patio y huerta. Situada en el municipio de Toral de los Guzmanes, en la provincia de León. La vivienda tiene una superficie aproximada de 391 m², las cuadras tienen una superficie de 593,56 m² y el resto de 907,32 m² corresponden a patio y huerta. Todo ello sobre una parcela de 1891,88 m². La vivienda se desarrolla en dos plantas, dispone de seis dormitorios, tres baños, salón-comedor y cocina independiente. Se ubica en una zona consolidada, rodeada de viviendas de similares características. El municipio dispone de servicios, tales como, restaurantes, supermercados, entidades bancarias y comercios de diferente índole, entre otros.

Characteristics

Bathrooms

3

Elevator

No

Year built

1900

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 391 m² but the cadastre records 826 m² (+111%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
8303703TM8880S0001DS
Cadastral area
826 m²
Year built
1900
Cadastral use
Industrial

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

AVOID

31/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Physical state
7/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 391.00m² en Toral de los Guzmanes a 36€/m² (mediana zona 1129€/m², delta %). Requiere Reforma Integral. Posesión desconocida. Zona muy_baja, más de 2 años sin vender.

warningRisks

  • −913 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

Toral de los Guzmanes, León

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

-96.8%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,129 /m²
This asset
€36 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

-92.2%Strong opportunity
Scope
Province (MITMA)
Zone median
€463 /m²
This asset
€36 /m²
Samples
91
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€14,000
Transfer tax (ITP) 8% — Castilla y León€1,120
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€16,420

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 since1 Jun 2026
Last updated27 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