AtalayaAtalaya

Duplex en Larva (jaén)

Larva, Jaén • Duplex • Ref: #C9CC12CD

€45,000-64% vs area market
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Size

143 m²

Price / m²

€315

Rooms

3

OccupancyUnconfirmed
34
Duplex en Larva (jaén) — Larva
Photo: Urbaniza (Caja Rural)

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada del edificio principal muestra signos de desgaste y suciedad, lo que sugiere que necesita una limpieza o pintura.
  • •Exterior: Las calles y edificios adyacentes parecen antiguos y con necesidad de mantenimiento general.

descriptionDescription

Bank-owned property managed by Urbaniza (Caja Rural) (Caja Rural de Jaén).

Characteristics

Bathrooms

1

Year built

1995

gavelLegal & cadastral analysis

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assignmentCadastral datahelpUnverified

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

straightenUnreconciled surface: the listing states 143 m² but the cadastre records 204 m² (+43%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
2294708VG8729S
Cadastral area
204 m²
Year built
1995
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.

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

AVOID

34/100

Confidence: Low

Score breakdown

Zone delta
8/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
0/15

Vivienda de 143.00m² en Larva a 315€/m² (mediana zona 876€/m², delta -64.0%). Estado Mejorable. Posesión desconocida. Zona muy_baja sin fecha de publicación fiable.

trending_upStrengths

  • +Descuento del -64.0% frente a la mediana zonal (876€/m²)

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

Larva, Jaén

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

-64.0%Strong opportunity
Scope
Province (MITMA)
Zone median
€876 /m²
This asset
€315 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

-27.4%Strong opportunity
Scope
Province (MITMA)
Zone median
€434 /m²
This asset
€315 /m²
Samples
238
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€45,000
Transfer tax (ITP) 7% — Andalucía€3,150
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€49,450
Estimated refurbishment (state: mejorable)€57,000 – €100,000

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

SourceCaja Rural
On Atalaya since31 Aug 2026
Last updated31 Aug 2026

Aggregated data from public sources and servicer Urbaniza (Caja Rural). 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