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Apartment in Bilbao

Calle General Concha 32-10ª y 11ª Izda

Iralabarri, Bilbao, Bizkaia • Auction • Ref: #DEE74226

€590,208
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OccupancyUnconfirmed
43
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

Description

Lote 3.- Registral nº 3504-B. Lote 3: VIVIENDA DUPLEX SITA EN CALLE GENERAL CONCHA 32-10ª Y 11ª IZDA Inscripción: Inscrita en el Registro de la Propiedad nº 8 al Tomo 1943, libro 483, folio 119 de la finca nº 3504-B, Inscrpción 5ª (HIPOTECAR), 8ª (TRANSMISION DE ACTIVOS).

Legal & cadastral analysis

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Legal analysis (AI)

Ocupacióndesconocido
Cargas (€)€1,030,000
Detalle cargasHIPOTECA: 1160000 EUR (principal) a favor de CAJA DE AHORROS DE SALAMANCA Y SORIA, con un principal de 406000 EUR para esta finca. Intereses ordinarios 32480 EUR, intereses moratorios 146160 EUR, costas y gastos 60900 EUR. EMBARGO: 7305.33 EUR a favor de COMUNIDAD DE PROPIETARIOS DE GENERAL CONCHA 32. EMBARGO: 9135.04 EUR a favor de AYUNTAMIENTO DE BILBAO. EMBARGO: 219009.9 EUR a favor de ADMINISTRACIÓN GENERAL DEL ESTADO. EMBARGO: 115976.03 EUR a favor de AYUNTAMIENTO DE MADRID.
Hipoteca€406,000
Comunidad€7,305
Embargos€344,921
Puja mínima€645,540
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgohigh
Litigioshipoteca, servidumbre, embargo, anotacion_preventiva
Análisis riesgoExisten múltiples cargas que superan el valor de tasación, incluyendo hipoteca y varios embargos. La situación de ocupación es desconocida, lo que añade riesgo.

Cadastral data

Cadastral ref.
U0162872C

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.

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

Alpha Rating

ANALYZE

43/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
6/15
Zone liquidity
6/15
BOE bonus
3/6

Subasta BOE en Bilbao a 590,208€. Sin tasación de referencia publicada. Posesión desconocida. Subasta cierra en 5 días (inminente).

Strengths

  • +Subasta inminente: cierre en 5 días, ventana de decisión limitada (presión vendedora)
  • +Cargas en posición preferente: hipoteca primaria, sin cargas senior ocultas

Risks

  • −Sin tasación judicial publicada: descuento sobre mercado no verificable

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

Iralabarri, Bilbao, Bizkaia

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

—
Scope
Neighbourhood
Zone median
€3,710 /m²
Period
mayo 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€590,208
Transfer tax (ITP) 4% — País Vasco€23,608
Notary (est.)€885
Land Registry (est.)€590
Admin agency (est.)€2,066
Estimated total investment€617,357

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: 21 September 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (24 days)
On Atalaya since16 Sept 2026
Last updated16 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