AtalayaAtalaya

Apartment in Ponferrada

Ponferrada, León • Ref: #BB40FDE1

€90,000
open_in_newView original listing

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

Size

95 m²

Price / m²

€947

Rooms

3

OccupancyVacant
48
Apartment in Ponferrada — Ponferrada
Photo: Altamira
1 / 19

AI visual analysis

Automated analysis · physical condition

19 of 19 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Salon: Las paredes estan recien pintadas de blanco, pero el suelo de gres es antiguo y las ventanas son de aluminio con persianas de lamas.
  • •Cocina: Los muebles de madera son antiguos y el alicatado es de estilo clasico, aunque los electrodomesticos parecen funcionales.
  • •Bano: El bano es pequeno y el lavabo y el inodoro son de un estilo anticuado, con azulejos blancos sencillos.
  • •Pasillo: El pasillo presenta una puerta de seguridad de metal y un hueco en la pared donde probablemente iba un cuadro electrico, lo que sugiere una reforma pendiente.

Description

Piso en Fabero, Ponferrada, León. Superficie: 95 m², 3 habitaciones, 2 baños. Equipamiento: ascensor, terraza, calefacción, trastero. Tipo de operación: VPO.

Characteristics

Bathrooms

2

Elevator

Yes

Terrace

Yes

Parking

No

Year built

1951

Pool

No

Air conditioning

No

Heating

Yes

Storage room

Yes

Garden

No

Legal & cadastral analysis

expand_more

Cadastral data

Unverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

straightenUnreconciled surface: the listing states 95 m² but the cadastre records 390 m² (+311%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
5832301PH9153S
Cadastral area
390 m²
Year built
1951
Cadastral use
Residential

How 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.

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

48/100

Confidence: High

Score breakdown

Zone delta
1/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
5/15

Vivienda de 95.00m² en Ponferrada a 947€/m² (mediana zona 836€/m², delta +13.3%). Estado Mejorable. Posesión libre. Zona baja, inventario reciente (7 días).

Strengths

  • +Altamira indica sin riesgo de ocupación

Risks

  • −Precio +13.3% por encima de mediana zonal

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

Ponferrada, León

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

+13.3%Above anchor
Scope
Municipality (MITMA)
Zone median
€836 /m²
This asset
€947 /m²
Samples
198
Period
Q4-2025
Source
MITMA

vs other bank assets

+22.2%Above anchor
Scope
City
Zone median
€775 /m²
This asset
€947 /m²
Samples
20
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€90,000
Transfer tax (ITP) 8% — Castilla y León€7,200
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€315
Estimated total investment€98,515
Estimated refurbishment (state: mejorable)€38,000 – €66,500

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 sinceSept 2026 (7 days)
On Atalaya since18 Sept 2026
Last updated25 Sept 2026

Zone comparables

Top 5 similar properties in Ponferrada by AI score

See all bank-owned properties in Ponferrada
Iglesia
82

Iglesia

€39,000

€375/m² · 104 m²

View analysis
Calle Fabero
74

Calle Fabero

€45,000

€349/m² · 128.97 m²

View analysis
Antracita
68

Antracita

€27,000

€491/m² · 55 m²

View analysis
Conde Gaitanes
60

Conde Gaitanes

€95,000

€720/m² · 131.86 m²

View analysis
Calle Miravalles
60

Calle Miravalles

€58,000

€744/m² · 78 m²

View analysis

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