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House in Salt

Calle Josep María de Sagarra

Salt, Girona • Ref: #A148E657

€232,000-25% vs area market
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Size

220 m²

Price / m²

€1,056

Rooms

3

OccupancyVacant
64
Calle Josep María de Sagarra — Salt
Photo: Solvia
1 / 36

AI visual analysis

Automated analysis · physical condition

36 of 36 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •La cocina presenta muebles de madera en buen estado, pero los electrodomésticos y el alicatado son antiguos.
  • •Los dormitorios tienen suelos de terrazo y paredes con signos de desgaste, necesitando pintura.
  • •El salón muestra un mobiliario clásico y suelos de mármol, pero la decoración general está anticuada.
  • •La fachada del edificio se ve en buen estado general, con persianas y ventanas funcionales.

Description

Casa adosada de 220 m² ubicada en Salt, Girona. Se trata de una casa adosada distribuida en salón-comedor, cocina, 3 dormitorios y 2 baños. Se sitúa en el núcleo urbano de la localidad, con acceso próximo a la red viaria que conecta con Girona y la AP-7. La zona dispone de paradas de autobús urbano e interurbano, así como de conexión ferroviaria desde la estación de Girona. En el entorno se encuentran supermercados, centros educativos, instalaciones deportivas, restauración, entidades bancarias y comercios. A pocos minutos se localizan el Hospital Santa Caterina y el centro comercial Espai Gironès. Con nuestros servicios podrá encontrar la casa adosada 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

2

Elevator

No

Year built

1952

Energy rating

E

Legal & cadastral analysis

expand_more

Cadastral data

Cadastral ref.
3472907DG8437A0001JM
Cadastral area
218 m²
Year built
1952
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.

Catalonia specifics

In Catalonia the Generalitat holds first-refusal rights (tanteo y retracto) over transfers of homes originating from foreclosure (DL 1/2015): it can extend timelines. The cédula d'habitabilitat is mandatory for utilities and usually required for a mortgage. Also check for social-housing (VPO) status.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

BUY

64/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
4/15

Vivienda de 219.75m² en Salt a 1056€/m² (mediana zona 1381€/m², delta -23.5%). Estado Mejorable. Posesión libre. Zona baja, inventario reciente (55 días).

Strengths

  • +Descuento del -23.5% frente a la mediana zonal (1381€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

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.

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Location

Salt, Girona

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

-24.8%Good price
Scope
Municipality
Zone median
€1,405 /m²
This asset
€1,056 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

-5.1%In line
Scope
Postal code
Zone median
€1,113 /m²
This asset
€1,056 /m²
Samples
13
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€232,000
Transfer tax (ITP) 10% — Cataluña€23,200
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€812
Estimated total investment€257,012
Estimated refurbishment (state: mejorable)€88,000 – €154,000

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 sinceAug 2026 (66 days)
On Atalaya since7 Sept 2026
Last updated8 Oct 2026
See all bank-owned properties in Salt

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