AtalayaAtalaya

Rio Zancara

Torre Pacheco, Murcia • House • Ref: #AD4C5B4B

€220,000-100% vs area market
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Size

21533 m²

Price / m²

€10

Rooms

3

OccupancyVacant
69
Rio Zancara — Torre Pacheco
Photo: Altamira
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AI visual analysis

Automated analysis · physical condition

19 of 19 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Chalet en RIO ZANCARA, Torre Pacheco, Murcia. Superficie: 21533 m², 3 habitaciones, 2 baños. Equipamiento: terraza, garaje.

Characteristics

Bathrooms

2

Elevator

No

Terrace

Yes

Parking

Yes

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

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.

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

BUY

69/100

Confidence: High

Score breakdown

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

Vivienda de 21533.00m² en Torre Pacheco a 10€/m² (mediana zona 2882€/m², delta %). Estado Pendiente De Análisis Visual. Posesión libre. Zona muy_baja, inventario reciente (80 días).

trending_upStrengths

  • +Altamira indica sin riesgo de ocupación

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

Torre Pacheco, Murcia

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

-99.7%Strong opportunity
Scope
Municipality
Zone median
€2,882 /m²
This asset
€10 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-97.8%Strong opportunity
Scope
Postal code
Zone median
€462 /m²
This asset
€10 /m²
Samples
5
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€220,000
Transfer tax (ITP) 8% — Murcia€17,600
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€770
Estimated total investment€239,370

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 sinceJun 2026 (81 days)
On Atalaya since12 Jun 2026
Last updated31 Aug 2026

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