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Apartment in Mataró

Calle Salvador Cruixent Nº 11-13 Planta Baja

Mataró, Barcelona • Auction • Ref: #D12AA508

€394,379
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Size

101 m²

OccupancyOccupied · type to verify
33
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

Description

URBANA.- TREINTA Y TRES.- PISO BAJOS VIVIENDA PUERTA ÚNICA, correspondiente al vestíbulo número 11-13 de la Calle Salvador Cruxent, planta baja del edificio sito en Mataró

Legal & cadastral analysis

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Legal analysis (AI)

Ocupaciónocupada
Desahucio necesario
Cargas (€)€400,684
Detalle cargasSaldo de liquidación de proyecto de reparcelación: 296767.62 EUR. Hipoteca a favor de CAIXA D'ESTALVIS DE CATALUNYA: 19000 EUR capital, 2.565% intereses, 5700 EUR demora, 4750 EUR costas. Hipoteca a favor de CATALUNYA BANC, S.A.: 37200 EUR principal, 8.508% intereses, 13769.95 EUR demora, 7440 EUR costas. Embargo administrativo a favor de AGENCIA TRIBUTARIA MATARO: 4583.94 EUR principal, 616.69 EUR intereses, 520 EUR costas.
Hipoteca€88,430
Embargos€5,721
Puja mínima€394,379
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgohigh
Litigioshipoteca, embargo, afeccion_fiscal
Análisis riesgoLa propiedad está ocupada por la vivienda habitual de la parte ejecutada, lo que puede complicar el desalojo. Existen múltiples cargas que superan el valor de tasación, lo que implica un riesgo elevado de que la subasta quede desierta o que el precio de adjudicación sea bajo.

Cadastral data

straightenUnreconciled surface: the listing states 101.15 m² but the cadastre records 114 m² (+13%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
3196212DF5939N0033YP
Cadastral area
114 m²
Year built
2005
Cadastral use
Residential

How to bid in this auction (BOE)

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  1. 1Read the full terms on subastas.boe.es: auction value, minimum bid, increments and surviving charges.
  2. 2Request a nota simple and study prior charges — auctions do NOT wipe them all; charges prior to the annotation survive.
  3. 3Deposit the required amount (usually 5% of the auction value) through the BOE platform to be able to bid.
  4. 4Bid within the window (usually 20 calendar days). If you win, you must pay the remainder within a short deadline — effectively a cash operation.
  5. 5After the award: decree, registration and, if occupied, the possession process. Think months, not weeks.

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

Auctions are effectively cash operations: you must deposit to bid and pay the remainder shortly after the award. Don't count on a traditional mortgage within those deadlines.

Catalonia 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

33/100

Confidence: Low

Score breakdown

Zone delta
0/30
Possession
10/20
Physical state
Not assessable
—
Legal liens
6/15
Zone liquidity
8/15
BOE bonus
3/6

Subasta BOE en Mataró a 394,379€. Sin tasación de referencia publicada. Posesión con ocupación a verificar. Subasta cierra en 18 días.

Strengths

  • +Subasta inminente: cierre en 18 días, ventana de decisión limitada (presión vendedora)
  • +Vivienda habitual del deudor: activo real ocupado por propietario, no nominal

Risks

  • −Precio +73.3% por encima de mediana zonal
  • −Ocupación judicial sin detalle: verificar in situ antes de pujar

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

Mataró, Barcelona

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

+73.3%Above anchor
Scope
Municipality
Zone median
€2,250 /m²
This asset
€3,899 /m²
Period
septiembre 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€394,379
Transfer tax (ITP) 10% — Cataluña€39,438
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€1,380
Estimated total investment€436,197

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.

gavelAuction property

Ends: 13 October 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (2 days)
On Atalaya since23 Sept 2026
Last updated23 Sept 2026

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Aggregated data from public sources and servicer BOE - Portal de Subastas. 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