AtalayaAtalaya

Calle Pinatell, 3

Maçanet de la Selva, Girona • House • Ref: #BFC51EAF

€161,000-28% vs area market
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Size

138 m²

Price / m²

€1,166

Rooms

3

OccupancyOccupied · no title
49
Calle Pinatell, 3 — Maçanet de la Selva
Photo: holapisos
1 / 35

AI visual analysis

Automated analysis · physical condition

35 of 35 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Espaciosa casa en MaçAnet de La Selva, Gerona, perfecto para familias. El inmueble dispone de una superficie de 138 m² construidos distribuidos en tres habitaciones, salón-comedor, cocina y un aseo. A 20 minutos andando encontramos la Escola Les Arrels de Maçanet de la Selva, supermercados, bancos, bibliotecas, farmacias, oficinas de correos, centros deportivos y varias paradas de autobús. El inmueble está situado a 24 minutos en coche del centro de MaçAnet de La Selva. Cuenta con fácil acceso a Autopista del Mediterráneo.

Characteristics

Bathrooms

1

Elevator

No

Terrace

No

Parking

No

Year built

1980

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

G

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
6059107DG7265N0001ZR
Cadastral area
148 m²
Year built
1980
Cadastral use
Residential

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 644 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.

gavelCatalonia specifics

In Catalonia the Generalitat holds first-refusal rights (tanteo y retracto) over transfers of homes originating from foreclosure (DL 1/2015): it can extend timelines. The cédula d'habitabilitat is mandatory for utilities and usually required for a mortgage. Also check for social-housing (VPO) status.

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
19/30
Possession
2/20
Physical state
Not assessable
—
Legal liens
10/15
Zone liquidity
8/15

Vivienda de 138.00m² en Maçanet de la Selva a 1166€/m² (mediana zona 1623€/m², delta -28.2%). Estado Pendiente De Análisis Visual. Posesión con ocupación irregular. Zona baja, stock estancado (643 días).

trending_upStrengths

  • +Descuento del -28.2% frente a la mediana zonal (1623€/m²)

warningRisks

  • −Aliseda marca la vivienda como ocupada sin título legal
  • −643 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

Maçanet de la Selva, Girona

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

-28.2%Strong opportunity
Scope
Municipality
Zone median
€1,623 /m²
This asset
€1,166 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+15.8%Above anchor
Scope
Postal code
Zone median
€1,007 /m²
This asset
€1,166 /m²
Samples
10
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€161,000
Transfer tax (ITP) 10% — Cataluña€16,100
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€564
Estimated total investment€178,664

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

SourceAliseda
On the market sinceNov 2024 (644 days)
On Atalaya since9 May 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer holapisos. 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