AtalayaAtalaya

Calle Esglesia

Sentiu de Sió (la), Lleida • House • Ref: #CB72BE64

€29,000
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Size

190 m²

Price / m²

€153

Rooms

4

OccupancyVacant
39
Calle Esglesia — Sentiu de Sió (la)
Photo: Solvia
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AI visual analysis

Automated analysis · physical condition

12 of 12 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

descriptionDescription

Casa de pueblo de tres alturas que se encuentra situado en la localidad de La Sentiu de Sió, provincia de Lérida. La vivienda está compuesta de tres plantas y fue construida en el año 1900. Se encuentra con un alto grado de deterioro, por lo que sería necesario realizar una reforma integral de la vivienda, o realizar un derribo y promoción el suelo resultante en base al PGOU de la localidad. Propiedad de cuatro dormitorios, dos baños, salón-comedor y cocina, distribuidos en una superficie de 190,00 m2 construidos y 145,00 m2 útiles, en tres plantas. El inmueble se encuentra en una zona tranquila, rodeado por viviendas residenciales de similares características. Cuenta con fácil acceso a la carretera y otros nudos de comunicación. Cercano a establecimientos y comercios de la zona.

Characteristics

Bathrooms

2

Year built

1900

Energy rating

E

gavelLegal & cadastral analysis

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assignmentCadastral data

Cadastral ref.
3804605CG2330S0001LI
Year built
1900
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 554 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

AVOID

39/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 190.00m² en Sentiu de Sió (la) a 153€/m² (mediana zona 1602€/m², delta -90.4%). Requiere Reforma Integral. Posesión libre. Zona muy_baja, stock estancado (552 días).

trending_upStrengths

  • +Descuento del -90.4% frente a la mediana zonal (1602€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −552 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

Sentiu de Sió (la), Lleida

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

-90.4%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,602 /m²
This asset
€153 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

-65.9%Strong opportunity
Scope
Province (MITMA)
Zone median
€449 /m²
This asset
€153 /m²
Samples
306
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€29,000
Transfer tax (ITP) 10% — Cataluña€2,900
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€33,200

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 2025 (554 days)
On Atalaya since31 Aug 2026
Last updated31 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