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Calle D Nº 14, 1º Centro, Caranza. Ferrol

Ferrol, A Coruña • Apartment · Auction • Ref: #B5E3F150

€91,106
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Size

60 m²

OccupancyUnconfirmed
27
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

descriptionDescription

Polígono de Caranza, Vía pública, calle D, número 1-2, portal 1, planta 1, puerta CEN de Ferrol

gavelLegal & cadastral analysis

expand_more

balanceLegal analysis (AI)

Ocupacióndesconocido
Cargas (€)€55,500
Detalle cargasHipoteca a favor de BANCO ESPAÑOL CREDITO, SA por 55.500 euros de principal, con fecha de vencimiento 01/02/2034. Además, intereses ordinarios (hasta 4.995 euros), intereses moratorios (hasta 13.320 euros), costas y gastos de ejecución (hasta 8.325 euros) y gastos extrajudiciales (hasta 1.100 euros).
Hipoteca€55,500
Puja mínima€91,106
Fase judicialejecucion
Nivel de riesgomedium
Litigioshipoteca
Análisis riesgoLa propiedad tiene una hipoteca activa como carga principal. La tasación para subasta es de 91.106 euros, lo que indica un valor de mercado superior a la deuda principal, pero la ocupación es desconocida, lo que añade riesgo.

assignmentCadastral data

straightenUnreconciled surface: the listing states 60.22 m² but the cadastre records 76 m² (+26%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
3652601NJ6135S0014DU
Cadastral area
76 m²
Year built
1960
Cadastral use
Residential

routeHow to bid in this auction (BOE)

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  1. 1Read the full terms on subastas.boe.es: auction value, minimum bid, increments and surviving charges.
  2. 2Request a nota simple and study prior charges — auctions do NOT wipe them all; charges prior to the annotation survive.
  3. 3Deposit the required amount (usually 5% of the auction value) through the BOE platform to be able to bid.
  4. 4Bid within the window (usually 20 calendar days). If you win, you must pay the remainder within a short deadline — effectively a cash operation.
  5. 5After the award: decree, registration and, if occupied, the possession process. Think months, not weeks.

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

Auctions are effectively cash operations: you must deposit to bid and pay the remainder shortly after the award. Don't count on a traditional mortgage within those deadlines.

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

Alpha Rating

AVOID

27/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
4/15
Zone liquidity
Not assessable
—

Subasta BOE en Ferrol a 91,106€. Sin tasación de referencia publicada. Posesión desconocida. Subasta cierra en 19 días.

trending_upStrengths

  • +Subasta inminente: cierre en 19 días, ventana de decisión limitada (presión vendedora)

warningRisks

  • −Documentación judicial aún sin parsear: cargas y procedimiento por confirmar
  • −Sin tasación judicial publicada: descuento sobre mercado no verificable

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

Ferrol, A Coruña

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

+45.9%Above anchor
Scope
Municipality (MITMA)
Zone median
€1,037 /m²
This asset
€1,513 /m²
Samples
301
Period
Q4-2025
Source
MITMA

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€91,106
Transfer tax (ITP) 9% — Galicia€8,200
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€319
Estimated total investment€100,625

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.

gavelAuction property

Ends: 5 October 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (8 days)
On Atalaya since16 Sept 2026
Last updated16 Sept 2026

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Aggregated data from public sources and servicer BOE - Portal de Subastas. 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