AtalayaAtalaya

Apartment in Toro

Toro, Zamora • Ref: #A3CED5B5

€45,000
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Size

87 m²

Price / m²

€517

OccupancyUnconfirmed
47
Apartment in Toro — Toro
Photo: Altamira
1 / 9

AI visual analysis

Automated analysis · physical condition

9 of 9 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: edificio plurifamiliar con acabados combinados de ladrillo visto y revestimiento monocapa en estado aparente aceptable.
  • •Exterior: se aprecian portones de garaje o locales en planta baja a nivel de calle con cerramientos metalicos sencillos.

Description

Piso en IGUALDAD, 7, Toro, Zamora. Superficie: 87 m², 0 habitaciones, 0 baños. Tipo de operación: CESIÓN DE REMATE.

Characteristics

Elevator

No

Terrace

No

Parking

No

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

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.
0202506UM0000S

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 340 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

ANALYZE

47/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Physical state
14/25
Legal liens
10/15
Zone liquidity
2/15

Vivienda de 87.00m² en Toro a 517€/m². Sin referencia zonal. estado mejorable. Posesión desconocida. Zona muy_baja, 330 días en mercado.

Risks

  • −Sin referencia zonal disponible

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

Toro, Zamora

Estimated acquisition costs

Asset price€45,000
Transfer tax (ITP) 8% — Castilla y León€3,600
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€49,900
Estimated refurbishment (state: mejorable)€35,000 – €61,000

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

SourceAltamira
On the market sinceNov 2025 (340 days)
On Atalaya since11 Apr 2026
Last updated9 Oct 2026

Zone comparables

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View analysis

Aggregated data from public sources and servicer Altamira. 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