AtalayaAtalaya

Calle Castanyet

Santa Coloma de Farners, Girona • Apartment • Ref: #E535462F

€125,000-27% vs area market
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Size

91 m²

Price / m²

€1,381

Rooms

3

OccupancyVacant
62
Calle Castanyet — Santa Coloma de Farners
Photo: Solvia
1 / 11

AI visual analysis

Automated analysis · physical condition

11 of 11 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada presenta suciedad y algunas ventanas tapiadas con ladrillo, lo que indica un mantenimiento deficiente.
  • •Exterior: El entorno exterior muestra vegetación descuidada y basura, lo que sugiere un abandono general de la zona.
  • •Salon: Las paredes del salón necesitan pintura y se observan cables expuestos, indicando la necesidad de una reforma estética y eléctrica.
  • •Pasillo: El pasillo tiene una puerta de entrada con signos de deterioro y la instalación eléctrica visible, lo que requiere atención.

descriptionDescription

Piso de 90 m² ubicado en Santa Coloma de Farners, Barcelona. Se trata de un piso de 90 m² distribuidos en salón-comedor, cocina, 3 dormitorios y 2 baños. El piso se sitúa en el núcleo urbano de Santa Coloma de Farners, con buenos accesos por carretera comarcal C-63 y fácil conexión a la autovía A-2. En la localidad existen líneas regulares de autobuses interurbanos y una estación de tren cercana en Riudellots de la Selva, así como una red local de taxis. En la zona se pueden encontrar servicios como supermercados, restaurantes, instalaciones deportivas, centros educativos, oficinas bancarias y otros negocios comerciales. Cerca del inmueble destacan el Hospital de Santa Coloma de Farners, el Balneari Termes Orion y el Parc de Sant Salvador. 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

2008

Energy rating

E

gavelLegal & cadastral analysis

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assignmentCadastral data

straightenUnreconciled surface: the listing states 90.51 m² but the cadastre records 178 m² (+97%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
1749904DG7314N0017ZI
Cadastral area
178 m²
Year built
2008
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 699 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

BUY

62/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
2/15

Vivienda de 90.51m² en Santa Coloma de Farners a 1381€/m² (mediana zona 1883€/m², delta -26.7%). Estado Mejorable. Posesión libre. Zona muy_baja, stock estancado (697 días).

trending_upStrengths

  • +Descuento del -26.7% frente a la mediana zonal (1883€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −697 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

Santa Coloma de Farners, Girona

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

-26.7%Strong opportunity
Scope
Municipality
Zone median
€1,883 /m²
This asset
€1,381 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+12.3%Above anchor
Scope
Province (MITMA)
Zone median
€1,230 /m²
This asset
€1,381 /m²
Samples
528
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€125,000
Transfer tax (ITP) 10% — Cataluña€12,500
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€438
Estimated total investment€138,938
Estimated refurbishment (state: mejorable)€36,000 – €63,500

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 sinceOct 2024 (699 days)
On Atalaya since7 Sept 2026
Last updated8 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