AtalayaAtalaya

Plaza España

Torralba de Ribota, Zaragoza • Apartment • Ref: #D48045D5

€90,000
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Size

88 m²

Price / m²

€1,023

Rooms

3

OccupancyVacant
42
Plaza España — Torralba de Ribota
Photo: Solvia
1 / 15

AI visual analysis

Automated analysis · physical condition

15 of 15 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Cocina: La cocina presenta azulejos y mobiliario antiguos, con un diseño de cuadros naranjas y blancos en el suelo que denota una estética pasada de moda.
  • •Dormitorio: Los dormitorios tienen suelos de parquet en buen estado, pero las paredes muestran marcas de cuadros o elementos decorativos retirados, sugiriendo la necesidad de pintura.
  • •Fachada: La fachada del edificio se ve en buen estado general, con un aspecto limpio y moderno.
  • •General: La propiedad parece habitable, pero requiere una actualización estética en varias de sus estancias.

descriptionDescription

Piso de 88 m² ubicado en Torralba, Zaragoza. Se trata de un piso de 88 m² distribuidos en salón-comedor, cocina, 3 dormitorios y 2 baños. Incluye un trastero en planta sótano. Piso situado en el núcleo urbano de Torralba, teniendo buenos accesos por las carreteras comarcales de conexión con Calatayud y el resto de municipios de la zona. Dispone de comunicaciones mediante líneas de autobús interurbano que conectan con localidades cercanas y con los principales núcleos de servicios de la comarca. En la zona podemos encontrar servicios básicos, supermercados, restaurantes, centros educativos, instalaciones deportivas y otros comercios de proximidad. A pocos kilómetros de Calatayud, donde se localizan centros sanitarios, estaciones ferroviarias, centros comerciales y una oferta más amplia de servicios administrativos y comerciales. Con nuestros servicios podrá encontrar el piso que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

2

Elevator

Yes

Year built

2007

Pool

No

Air conditioning

No

Heating

Yes

Energy rating

E

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 88 m² but the cadastre records 111 m² (+26%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
0062409XL1806C0011ER
Cadastral area
111 m²
Year built
2007
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 942 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.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

ANALYZE

42/100

Confidence: High

Score breakdown

Zone delta
0/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 88.00m² en Torralba de Ribota a 1023€/m² (mediana zona 462€/m², delta +121.4%). Estado Mejorable. Posesión libre. Zona muy_baja, más de 2 años sin vender.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 339 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

trending_upStrengths

  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −Precio +121.4% por encima de mediana zonal
  • −934 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

Torralba de Ribota, Zaragoza

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.

vs free market

No reference available for this area and asset type.

account_balancevs other bank assets

+121.4%Above anchor
Scope
Province (MITMA)
Zone median
€462 /m²
This asset
€1,023 /m²
Samples
293
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€90,000
Transfer tax (ITP) 8% — Aragón€7,200
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€315
Estimated total investment€98,515
Estimated refurbishment (state: mejorable)€35,000 – €61,500

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 2024 (942 days)
On Atalaya since11 Sept 2026
Last updated24 Sept 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