AtalayaAtalaya

Untitled property

Palafrugell, Girona • House • Ref: #EC4D5782

€260,000
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Size

425 m²

Price / m²

€612

Rooms

6

OccupancyOccupied · type to verify
30
Untitled property — Palafrugell
Photo: Altamira
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AI visual analysis

Automated analysis · physical condition

20 of 20 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Las fotos de "Estado actual" muestran interiores completamente vacíos, con paredes de ladrillo visto y techos sin acabar, indicando una necesidad de reforma integral.
  • •La fachada de piedra presenta un aspecto deteriorado, con huecos de ventanas y puertas tapiados o sin cerramientos, y la presencia de vallas metálicas de obra.
  • •Se aprecian elementos estructurales expuestos en el interior, como vigas de madera en los techos, que requieren intervención.
  • •El exterior de la propiedad muestra un estado de abandono, con vegetación crecida y la necesidad de una rehabilitación completa.

descriptionDescription

Chalet en Palafrugell, Girona. Superficie: 425 m², 6 habitaciones, 1 baños. Equipamiento: terraza, jardín.

Characteristics

Bathrooms

1

Elevator

No

Terrace

Yes

Parking

No

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

Yes

gavelLegal & cadastral analysis

expand_more

assignmentCadastral datahelpUnverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

Cadastral ref.
3203129EG1430S

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 1091 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

AVOID

30/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
10/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 425.00m² en Palafrugell a 612€/m² (mediana zona 5169€/m², delta -88.2%). Requiere Reforma Integral. Posesión con ocupación a verificar. Zona muy_baja, más de 2 años sin vender.

trending_upStrengths

  • +Descuento del -88.2% frente a la mediana zonal (5169€/m²)

warningRisks

  • −1090 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

Palafrugell, 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

-88.2%Strong opportunity
Scope
Municipality
Zone median
€5,169 /m²
This asset
€612 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

-47.3%Strong opportunity
Scope
Postal code
Zone median
€1,161 /m²
This asset
€612 /m²
Samples
5
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€260,000
Transfer tax (ITP) 10% — Cataluña€26,000
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€910
Estimated total investment€287,910

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

SourceAltamira
On the market sinceSept 2023 (1091 days)
On Atalaya since11 Apr 2026
Last updated31 Aug 2026

Aggregated data from public sources and servicer Altamira. 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