AtalayaAtalaya

Calle La Merindad

Funes, Navarra • House • Ref: #AB69913C

€9,000-97% vs area market
open_in_newView original listing

Get new bank-owned properties in Funes under your budget by email. Free.

Size

140 m²

Price / m²

€64

OccupancyVacant
49
Calle La Merindad — Funes
Photo: Solvia
1 / 10

AI visual analysis

Automated analysis · physical condition

10 of 10 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta desconchones y suciedad, indicando necesidad de reparación y pintura.
  • •Cocina: La cocina está destripada, con muebles antiguos y sin electrodomésticos, requiriendo una reforma completa.
  • •Bano: El baño principal tiene azulejos antiguos y la bañera y el inodoro están en mal estado, necesitando una reforma.
  • •Dormitorio: Las paredes de los dormitorios muestran manchas y desconchones, y los suelos están desgastados.

descriptionDescription

Casa de 200 m² ubicada en Funes, Navarra. Se trata de una casa de 200 m² distribuidos en salón-comedor, cocina, 3 dormitorios y 2 baños. Casa situada en el núcleo urbano de Funes, con accesos próximos por la carretera NA-6631. Dispone de líneas de autobús interurbano con conexión a localidades cercanas y a la estación de tren de Marcilla de Navarra. En la zona se encuentran servicios como supermercados, restaurantes, instalaciones deportivas, centros educativos, oficinas bancarias y otros negocios comerciales. A pocos minutos se localizan el centro de salud de Funes. Con nuestros servicios podrá encontrar la casa 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

Elevator

No

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
310000000001546146PS

routeHow to buy this asset from the bank

expand_more
  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 919 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

checklistMinimum 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).

warningDebts 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.

account_balanceFinancing

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

49/100

Confidence: High

Score breakdown

Zone delta
Not assessable
—
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 140.00m² en Funes a 64€/m² (mediana zona 1932€/m², delta %). Requiere Reforma Integral. Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −913 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

Funes, Navarra

analyticsPrice 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.

publicvs free market

-96.7%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,932 /m²
This asset
€64 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

-85.0%Strong opportunity
Scope
Province (MITMA)
Zone median
€427 /m²
This asset
€64 /m²
Samples
92
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€9,000
Transfer tax (ITP) 6% — Navarra€540
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€10,840

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.
12 Apr 2026
€29,000arrow_forward€9,000-68.97%

Listing intel

SourceSolvia
On the market sinceFeb 2024 (919 days)
On Atalaya since11 Apr 2026
Last updated27 Aug 2026

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