AtalayaAtalaya

House in Caravaca de la Cruz

Caravaca de la Cruz, Murcia • Ref: #AA602C24

€129,000
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Size

412 m²

Price / m²

€313

Rooms

4

OccupancyUnconfirmed
60
House in Caravaca de la Cruz — Caravaca de la Cruz
Photo: Hipoges
1 / 21

AI visual analysis

Automated analysis · physical condition

21 of 21 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Fachada: Estructura exterior y cerramientos en buen estado de conservacion sin danos visibles.
  • •Terraza: Pavimento continuo y barandilla de balaustres en condiciones operativas, aunque con ligera suciedad por exposicion a la intemperie.
  • •Salon: Suelos de terrazo pulidos con motivos decorativos y carpinteria exterior de aluminio en buen estado general.
  • •Cocina: Mobiliario completo con encimera de granito y campana extractora funcional, con acabados tradicionales bien conservados.

Description

NO COBRAMOS COMISIÓN DE INTERMEDIACIÓN AL COMPRADOR Excelente oportunidad de adquirir esta magnífica vivienda unifamiliar, con una distribución óptima que incorpora amplios ventanales para una entrada generosa de luz natural, creando una sensación de amplitud y calidez en cada uno de sus espacios y habitaciones, ubicada en la encantadora localidad de Caravaca de la Cruz, en la provincia de Murcia. La casa está compuesta de dos sótanos y dos plantas destinadas a vivienda, esta distribuida en garaje y almacén en los sótanos, dos salones, cocina, cuatro dormitorios, dos cuartos baño y buhardilla, está situada en una amplia parcela de 660 m². Situada en zona residencial tranquila y bien comunicada, a pocos kilómetros del centro urbano de Caravaca de la Cruz. Caravaca de la Cruz dispone de centros de salud, clínicas privadas y el Hospital Comarcal del Noroeste. Su oferta educativa incluye colegios, institutos y centros de formación profesional. Comercialmente, cuenta con mercados, supermercados y tiendas locales, además de ferias y eventos tradicionales. Destaca por su riqueza cultural, entorno natural y su importancia religiosa. Está bien comunicada por carretera a través de la RM-15, conectándola con Murcia y otras localidades, además de rutas de autobús que facilitan el transporte. Hipoges es una plataforma inmobiliaria donde podrás acceder a miles de activos inmobiliarios de diferentes tipos como viviendas, locales comerciales, terrenos, nueva obra, tanto a nivel particular como para inversores. Hipoges cuenta con una amplia cartera de activos inmuebles tanto en España como en Portugal y Grecia. ¿Necesitas financiación? Te ofrecemos la posibilidad de financiaciones de hasta el 100% para la compra de este inmueble. Entra en Finanwin.com, haz tu simulación y obtén la mejor oferta para tu Hipoteca de la manera más ágil y sencilla.

Characteristics

Bathrooms

2

Elevator

No

Terrace

No

Parking

Yes

Year built

2010

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

Yes

Energy rating

E

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.
4600215WH9047S

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.

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

Alpha Rating

ANALYZE

60/100

Confidence: Low

Score breakdown

Zone delta
30/30
Possession
Not assessable
—
Physical state
20/25
Legal liens
7/15
Zone liquidity
4/15

Vivienda de 412.00m² en Caravaca de la Cruz a 313€/m² (mediana zona 806€/m², delta -61.2%). Buen Estado. Posesión desconocida. Zona muy_baja, inventario reciente (89 días).

Strengths

  • +Descuento del -61.2% frente a la mediana zonal (806€/m²)
  • +Estado habitable sin reforma inmediata

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

Caravaca de la Cruz, 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

-61.2%Strong opportunity
Scope
Municipality (MITMA)
Zone median
€806 /m²
This asset
€313 /m²
Samples
82
Period
Q4-2025
Source
MITMA

vs other bank assets

-23.8%Good price
Scope
City
Zone median
€411 /m²
This asset
€313 /m²
Samples
21
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€129,000
Transfer tax (ITP) 8% — Murcia€10,320
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€452
Estimated total investment€140,772

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.
4 Oct 2026
€140,000arrow_forward€129,000-7.86%

Listing intel

SourceHipoges
On Atalaya since7 Jul 2026
Last updated9 Oct 2026

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Aggregated data from public sources and servicer Hipoges. 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