AtalayaAtalaya

Calle San Caetano

Fene, A Coruña • House • Ref: #BA0EA9EB

€45,000-42% vs area market
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Size

47 m²

Price / m²

€961

Rooms

1

OccupancyVacant
59
Calle San Caetano — Fene
Photo: Solvia
1 / 2

AI visual analysis

Automated analysis · physical condition

2 of 2 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta un aspecto muy deteriorado con suciedad y desconchones en la pintura.
  • •Exterior: La vegetación está muy crecida alrededor de la propiedad, indicando falta de mantenimiento.
  • •Tejado: El tejado de fibrocemento muestra signos de envejecimiento y posible deterioro.

descriptionDescription

Casa de 47 m² ubicada en Fene, A Coruña. Se trata de una casa distribuida en salón-comedor, cocina, 1 dormitorio y 1 baño. Se sitúa en la parroquia de Maniños, con acceso a través de la N-651 y conexión próxima con la AP-9. La zona dispone de servicios de proximidad, como supermercados, centros educativos, instalaciones deportivas, restauración y otros comercios. Cuenta con estación de ferrocarril en Maniños, integrada en la línea ferroviaria Ferrol-A Coruña, y paradas de transporte interurbano por carretera. Cerca de la playa de Maniños. 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

Bathrooms

1

Elevator

No

Year built

1850

Pool

No

Air conditioning

No

Heating

No

Garden

No

gavelLegal & cadastral analysis

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assignmentCadastral data

straightenUnreconciled surface: the listing states 46.83 m² but the cadastre records 65 m² (+39%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
5020914NJ6141N0001KJ
Cadastral area
65 m²
Year built
1850
Cadastral use
Residential

routeHow 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 918 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

BUY

59/100

Confidence: High

Score breakdown

Zone delta
25/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 46.83m² en Fene a 961€/m² (mediana zona 1646€/m², delta -41.6%). Requiere Reforma Integral. Posesión libre. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -41.6% frente a la mediana zonal (1646€/m²)
  • +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

Fene, 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

-41.6%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,646 /m²
This asset
€961 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

+39.7%Above anchor
Scope
Province (MITMA)
Zone median
€688 /m²
This asset
€961 /m²
Samples
60
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€45,000
Transfer tax (ITP) 9% — Galicia€4,050
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€50,350

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

SourceSolvia
On the market sinceFeb 2024 (918 days)
On Atalaya since20 Aug 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