AtalayaAtalaya

House in Santomera

Calle Salzillo

Santomera, Murcia • Ref: #A37FD5A6

€160,000
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Size

175 m²

Price / m²

€914

Rooms

1

OccupancyOccupied · no titleDeduced by AI
32
Calle Salzillo — Santomera
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta un aspecto general cuidado, pero con signos de desgaste normal por el paso del tiempo.
  • •Exterior: Las persianas y rejas de las ventanas parecen estar en buen estado, aunque algunas persianas podrían necesitar limpieza.
  • •Balcon: Los balcones tienen barandillas de metal que se ven funcionales, pero el espacio en sí no muestra detalles de mantenimiento reciente.

Description

Oportunidad sólo para inversores. El activo se encuentra ocupado. Debido al estado ocupacional del activo, no se pueden realizar visitas al mismo. Chalet adosado de segunda mano en venta en Santomera, Murcia. Se trata de un chalet adosado de 175 m² desarrollados en 3 plantas y distribuidos en varias estancias con un garaje en semisótano de 44 m². La vivienda se sitúa en el núcleo de la población, teniendo buenos accesos por carretera. En la población podemos encontrar servicios como supermercados, restaurantes, instalaciones deportivas, centros educativos, oficinas bancarias, otros negocios comerciales, etc. Con los servicios de Solvia podrá encontrar la vivienda 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. [Aviso legal] El inmueble se encuentra gravado con una o varias cargas, la/s cual/es se encuentra/n pendiente/s de su cancelación. Consultar su situación actual, así como, sus posibles limitaciones y la asunción de su cancelación. Se recomienda que el comprador obtenga asesoramiento profesional y legal antes de adoptar la decisión de compra.

Characteristics

Bathrooms

1

Elevator

No

Year built

1960

Pool

No

Air conditioning

No

Heating

No

Garden

No

Legal & cadastral analysis

expand_more

Cadastral data

Cadastral ref.
1143301XH7114S0005WO
Cadastral area
175 m²
Year built
2003
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.

handshakeThis asset has been listed for 1065 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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

32/100

Confidence: Low

Score breakdown

Zone delta
0/30
Possession
2/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
8/15

Vivienda de 175.00m² en Santomera a 914€/m² (mediana zona 653€/m², delta +40.0%). Estado Mejorable. Posesión con ocupación irregular. Zona baja, más de 2 años sin vender.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 10 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 +40.0% por encima de mediana zonal
  • −IA detectó: El activo se encuentra ocupado. Debido al estado ocupacional del activo, no se pueden realizar visitas al mismo.
  • −1058 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

Santomera, Murcia

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

+39.8%Above anchor
Scope
City
Zone median
€654 /m²
This asset
€914 /m²
Samples
11
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€160,000
Transfer tax (ITP) 8% — Murcia€12,800
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€560
Estimated total investment€174,360
Estimated refurbishment (state: mejorable)€70,000 – €122,500

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.
2 Oct 2026
€119,000arrow_forward€160,000-34.45%

Listing intel

SourceSolvia
On the market sinceNov 2023 (1065 days)
On Atalaya since7 Aug 2026
Last updated9 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