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AtalayaAtalaya

House in Tobarra

Tobarra, Albacete • Ref: #ECC718E3

€49,000
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Size

214 m²

Price / m²

€229

Rooms

5

OccupancyUnconfirmed
40
House in Tobarra — Tobarra
Photo: Altamira
1 / 37

AI visual analysis

Automated analysis · physical condition

37 of 37 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: presenta importantes desconchones de pintura, humedad por capilaridad y cableado exterior desordenado.
  • •Cocina: mobiliario totalmente desmantelado y deteriorado, requiriendo renovacion integral de fontaneria y revestimientos.
  • •Dormitorio: paredes con desprendimiento severo de yeso y pintura, ademas de falso techo de placas antiguo.
  • •Salon: chimenea con restos de obra y revestimientos de pared muy deteriorados.

Description

Casa en DANIEL CHULVI, 98, Tobarra, Albacete. Superficie: 214 m², 5 habitaciones, 1 baños.

Characteristics

Bathrooms

1

Elevator

No

Terrace

No

Parking

No

Year built

1900

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Legal & cadastral analysis

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Cadastral data

Unverified

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

straightenUnreconciled surface: the listing states 214 m² but the cadastre records 189 m² (-12%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
4019234XH1741N
Cadastral area
189 m²
Year built
1900
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.

handshakeThis asset has been listed for 1811 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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.

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

Alpha Rating

ANALYZE

40/100

Confidence: Medium

Score breakdown

Zone delta
4/30
Possession
Not assessable
—
Physical state
7/25
Legal liens
10/15
Zone liquidity
13/15

Vivienda de 214.00m² en Tobarra a 229€/m² (mediana zona 226€/m², delta +1.3%). Requiere Reforma Integral. Posesión desconocida. Zona muy_baja, más de 2 años sin vender.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 10 listings bancarios del mismo postal — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Risks

  • −1801 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

Tobarra, Albacete

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

No reference available for this area and asset type.

vs other bank assets

+1.3%In line
Scope
Postal code
Zone median
€226 /m²
This asset
€229 /m²
Samples
10
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€49,000
Transfer tax (ITP) 9% — Castilla-La Mancha€4,410
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€54,710

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.
24 Jul 2026
€37,500arrow_forward€49,000-30.67%

Listing intel

SourceAltamira
On the market sinceOct 2021 (1811 days)
On Atalaya since11 Apr 2026
Last updated9 Oct 2026

Zone comparables

Top 5 similar properties in Tobarra by AI score

See all bank-owned properties in Tobarra

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