AtalayaAtalaya

Calle Retama del Teide

Finca España, San Cristóbal de la Laguna, Santa Cruz de Tenerife • Apartment • Ref: #E3490DE3

€249,000
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Size

97 m²

Price / m²

€2,572

Rooms

2

OccupancyOccupied · no titleDeduced by AI
30
Calle Retama del Teide — Finca España, San Cristóbal de la Laguna
Photo: Solvia
1 / 12

AI visual analysis

Automated analysis · physical condition

12 of 12 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta un aspecto cuidado, con pintura en buen estado y persianas en todas las ventanas.
  • •Exterior: La calle está limpia y ordenada, con coches aparcados a ambos lados.
  • •Exterior: Las farolas y el mobiliario urbano parecen estar en buen estado.
  • •Exterior: No se aprecian daños estructurales ni suciedad evidente en la propiedad.

descriptionDescription

Piso de 97 m² ubicado en San Cristóbal de la Laguna, Santa Cruz de Tenerife. Se trata de un piso de 97 m² distribuidos en salón-comedor, cocina, 2 dormitorios y 2 baños. Piso situado en el barrio VillaHilaria, de San Cristóbal de la Laguna, con acceso próximo a la autopista TF-5. Dispone de líneas de tranvía y autobús que comunican con otras zonas del municipio y con el centro de Santa Cruz de Tenerife. En la zona se encuentran servicios como supermercados, restaurantes, instalaciones deportivas, centros educativos, oficinas bancarias y centros de salud. A poca distancia se sitúan el centro histórico de San Cristóbal de la Laguna, el Hospital Universitario de Canarias y la Universidad de La Laguna. 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

No

Year built

1992

Pool

No

Air conditioning

No

Heating

No

Garden

No

Energy rating

E

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

Cadastral ref.
3200304CS7530S0104OE
Cadastral area
95 m²
Year built
1992
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 1053 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

AVOID

30/100

Confidence: Low

Score breakdown

Zone delta
1/30
Possession
2/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
5/15

Vivienda de 96.80m² en San Cristóbal de la Laguna a 2572€/m² (mediana zona 2299€/m², delta +11.9%). Estado Mejorable. Posesión con ocupación irregular. Zona baja, más de 2 años sin vender.

warningRisks

  • −Precio +11.9% por encima de mediana zonal
  • −IA detectó: El activo se encuentra ocupado.
  • −1045 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

Finca España, San Cristóbal de la Laguna, Santa Cruz de Tenerife

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

+11.9%Above anchor
Scope
Neighbourhood
Zone median
€2,299 /m²
This asset
€2,572 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+69.5%Above anchor
Scope
Postal code
Zone median
€1,517 /m²
This asset
€2,572 /m²
Samples
6
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€249,000
Transfer tax (ITP) 6.5% — Canarias€16,185
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€872
Estimated total investment€267,057
Estimated refurbishment (state: mejorable)€38,500 – €68,000

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
16 Sept 2026
€123,000arrow_forward€249,000-102.44%

Listing intel

SourceSolvia
On the market sinceNov 2023 (1053 days)
On Atalaya since12 May 2026
Last updated24 Sept 2026

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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