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AtalayaAtalaya

Apartment in Nájera

Najera, La Rioja • Ref: #CA98EB2F

€40,000
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Size

80 m²

Price / m²

€500

Rooms

3

OccupancyUnconfirmed
28
Apartment in Nájera — Najera
Photo: Diglo
1 / 9

AI visual analysis

Automated analysis · physical condition

9 of 9 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada de ladrillo visto presenta un aspecto envejecido y sucio.
  • •Balcones: Los balcones muestran suciedad y posibles humedades en la parte inferior.
  • •Exterior: Las barandillas de los balcones tienen un aspecto oxidado y desgastado.

Description

Excelente oportunidad para adquirir un piso en venta en la calle San Lazaro, nº 2, Nájera (La Rioja). No dejes pasar esta gran ocasión de adquirir en propiedad este piso con una superficie de 80 m². tres habitaciones y un cuarto de baño. El inmueble se encuentra en la planta 02. El piso está localizado en la población de Nájera que ofrece una gran variedad de servicios y comodidades para los residentes. Encontrarás todo lo que necesitas para tu día a día a poca distancia del piso, como supermercados, colegios, restaurantes y transporte público. Si quieres ampliar información catastral consulta en catastro con la siguiente referencia 2965901WM2926F0005OO. ¿Te gustaría tener más información? No dudes en ponerte en contacto con nosotros. Visita sin compromiso, sin comisiones de intermediación. Más información rellenando el formulario de contacto. En Diglo estaremos encantados de atenderte. Otras características Planta 02

Characteristics

Bathrooms

1

Year built

1971

Legal & cadastral analysis

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Cadastral data

Cadastral ref.
2965901WM2926F0005OO
Cadastral area
77 m²
Year built
1971
Cadastral use
Residential

How 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.

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

AVOID

28/100

Confidence: Low

Score breakdown

Zone delta
0/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
3/15

Vivienda de 80.00m² en Najera a 500€/m² (mediana zona 308€/m², delta +62.3%). Estado Mejorable. Posesión desconocida. Zona muy_baja, inventario reciente (6 días).

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 108 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Risks

  • −Precio +62.3% 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.

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Location

Najera, La Rioja

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

No reference available for this area and asset type.

vs other bank assets

+2.2%In line
Scope
Province (MITMA)
Zone median
€489 /m²
This asset
€500 /m²
Samples
83
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€40,000
Transfer tax (ITP) 7% — La Rioja€2,800
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€44,100
Estimated refurbishment (state: mejorable)€32,000 – €56,000

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

SourceDiglo
On Atalaya since11 Sept 2026
Last updated17 Sept 2026

Zone comparables

Top 5 similar properties in Nájera by AI score

See all bank-owned properties in Nájera

Aggregated data from public sources and servicer Diglo. 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