AtalayaAtalaya

Aurora

Caravaca de la Cruz, Murcia • Apartment • Ref: #9F6F9071

€22,000
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Size

87 m²

Price / m²

€253

Rooms

3

OccupancyOccupied · type to verify
33
Aurora — Caravaca de la Cruz
Photo: Solvia
1 / 12

AI visual analysis

Automated analysis · physical condition

12 of 12 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

descriptionDescription

Piso de 87 m2 y cuatro dormitorios y dos cuartos de baño. Se encuentra en la segunda planta de un edificio de cuatro alturas sobre rasante situado en el municipio de Caravaca de la Cruz, provincia de Murcia. Construido en el año 1956. La vivienda se compone de recibidor, salón-comedor, cocina, cuatro dormitorios y dos cuartos de baño. Cuenta con puerta de entrada de seguridad, ventanas de aluminio con cámara de doble acristalamiento, persianas de plástico, carpintería interior de madera, pintura lisa, suelos de gres en todas sus dependencias, baños con sanitario y grifería mono mando. Precisa de reformas. El inmueble se encuentra en una zona tranquila, rodeado por viviendas residenciales de similares características. Cuenta con fácil acceso a la carretera y otros nudos de comunicación.

Characteristics

Bathrooms

2

Elevator

No

Year built

1950

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

Energy rating

F

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 87 m² but the cadastre records 149 m² (+71%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
0087806XH0108E0003DD
Cadastral area
149 m²
Year built
1950
Cadastral use
Residential

routeHow 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.

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

33/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
10/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
4/15

Vivienda de 87.00m² en Caravaca de la Cruz a 253€/m² (mediana zona 1349€/m², delta -81.2%). Requiere Reforma Integral. Posesión con ocupación a verificar. Zona baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -81.2% frente a la mediana zonal (1349€/m²)

warningRisks

  • −917 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

Caravaca de la Cruz, Murcia

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

-81.2%Strong opportunity
Scope
Municipality
Zone median
€1,349 /m²
This asset
€253 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-47.0%Strong opportunity
Scope
Postal code
Zone median
€477 /m²
This asset
€253 /m²
Samples
11
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€22,000
Transfer tax (ITP) 8% — Murcia€1,760
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€25,060

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 since30 Jun 2026
Last updated31 Aug 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