AtalayaAtalaya

House in Lloret de Mar

Lloret de Mar, Gerona • Ref: #E79B0DC8

€417,000-34% vs area market
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Size

280 m²

Price / m²

€1,491

Rooms

4

OccupancyVacant
71
House in Lloret de Mar — Lloret de Mar
Photo: Solvia
1 / 14

AI visual analysis

Automated analysis · physical condition

0 of 14 photos analyzed

Physical condition

Analysis pending

Photo quality

unknown

Description

Bank-owned property managed by Solvia (BuildingCenter, S.A.U. (CaixaBank)).

Characteristics

Bathrooms

4

Elevator

No

Terrace

Yes

Parking

No

Year built

2009

Pool

No

Air conditioning

Yes

Heating

No

Storage room

No

Garden

No

Energy rating

C

Legal & cadastral analysis

expand_more

Cadastral data

straightenUnreconciled surface: the listing states 279.61 m² but the cadastre records 338 m² (+21%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
5218265DG8251N0001RD
Cadastral area
338 m²
Year built
2009
Cadastral use
Residential

How 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.

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

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.

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

BUY

71/100

Confidence: Medium

Score breakdown

Zone delta
19/30
Possession
20/20
Physical state
Not assessable
—
Legal liens
7/15
Zone liquidity
Not assessable
—

Vivienda de 279.61m² en Lloret de Mar a 1491€/m² (mediana zona 2267€/m², delta -34.2%). Estado Pendiente De Análisis Visual. Posesión libre. Zona baja, inventario reciente (14 días).

Strengths

  • +Descuento del -34.2% frente a la mediana zonal (2267€/m²)
  • +BuildingCenter (CaixaBank) declara el activo con posesión: libre para entregar

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.

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Location

Lloret de Mar, Gerona

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

-34.2%Strong opportunity
Scope
Municipality (MITMA)
Zone median
€2,267 /m²
This asset
€1,491 /m²
Samples
190
Period
Q4-2025
Source
MITMA

vs other bank assets

-17.9%Good price
Scope
Postal code
Zone median
€1,816 /m²
This asset
€1,491 /m²
Samples
16
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€417,000
Transfer tax (ITP) 10% — Cataluña€41,700
Notary (est.)€626
Land Registry (est.)€417
Admin agency (est.)€1,460
Estimated total investment€461,203

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

SourceBuildingCenter (CaixaBank)
On Atalaya since16 Sept 2026
Last updated9 Oct 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