AtalayaAtalaya

Apartment in Girona

Santa Eugènia De Ter, Girona • Ref: #A202C809

€100,000-26% vs area market
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Size

48 m²

Price / m²

€2,083

Rooms

1

OccupancyUnconfirmed
53
Apartment in Girona — Santa Eugènia De Ter, Girona
Photo: Servihabitat
1 / 16

AI visual analysis

Automated analysis · physical condition

16 of 16 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Salon: Las paredes necesitan pintura y el suelo de parquet muestra desgaste.
  • •Cocina: Los muebles son funcionales pero el diseño es algo anticuado y faltan electrodomésticos.
  • •Baño: El baño está operativo, pero los azulejos y sanitarios son de un estilo más antiguo.
  • •Dormitorio: Las paredes están sucias y el suelo de parquet tiene marcas de uso.

Description

Estado: second-hand. Extras: terrace, lift

Characteristics

Bathrooms

1

Elevator

Yes

Terrace

Yes

Heating

Yes

Legal & cadastral analysis

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Cadastral data

Unverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

Cadastral ref.
3674616DG8437D

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

ANALYZE

53/100

Confidence: Medium

Score breakdown

Zone delta
13/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
11/15

Vivienda de 48.00m² en Girona a 2271€/m² (mediana zona 2829€/m², delta -19.7%). Estado Mejorable. Posesión desconocida. Zona baja, inventario reciente (14 días).

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

Santa Eugènia De Ter, Girona, 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

-26.4%Strong opportunity
Scope
Municipality
Zone median
€2,829 /m²
This asset
€2,083 /m²
Period
septiembre 2026
Source
Idealista

vs other bank assets

-7.1%In line
Scope
Postal code
Zone median
€2,243 /m²
This asset
€2,083 /m²
Samples
12
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€100,000
Transfer tax (ITP) 10% — Cataluña€10,000
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€350
Estimated total investment€111,350
Estimated refurbishment (state: mejorable)€19,000 – €33,500

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
18 Sept 2026
€109,000arrow_forward€100,000-8.26%

Listing intel

SourceServihabitat
On Atalaya since3 Sept 2026
Last updated24 Sept 2026

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Aggregated data from public sources and servicer Servihabitat. 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