AtalayaAtalaya

Apartment in San Javier

San Javier, Murcia • Ref: #EDD0630B

€65,400-63% vs area market
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Size

104 m²

Price / m²

€632

Rooms

3

OccupancyUnconfirmed
66
Apartment in San Javier — San Javier
Photo: Cimenta2
1 / 4

AI visual analysis

Automated analysis · physical condition

4 of 4 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La fachada del edificio presenta un aspecto envejecido con pintura desgastada y algunas manchas.
  • •Exterior: La calle y los alrededores muestran un mantenimiento básico, con vehículos estacionados y un ambiente urbano modesto.

Description

Piso de 104 m2 construidos y 82 m2 útiles situado en la primera planta de edificio plurifamiliar ubicado en la calle Burgos del término municipal de San Javier en la Región de Murcia. Construido en el año 1978, presenta una distribución de tres dormitorios y un baño. Localizado en zona urbana consolidada com predominio de uso residencial y presencia de edificaciones de similares caracterísitcas. Cuenta con acceso a servicios básicos, equipamientos públicos y red viaria que garantiza una adecuada conexion con el municipio y el entorno.

Characteristics

Bathrooms

1

Year built

1978

How 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 477 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

66/100

Confidence: Medium

Score breakdown

Zone delta
30/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
5/15

Vivienda de 103.55m² en San Javier a 632€/m² (mediana zona 1720€/m², delta -63.2%). Estado Mejorable. Posesión desconocida. Zona baja, stock estancado (468 días).

Strengths

  • +Descuento del -63.2% frente a la mediana zonal (1720€/m²)

Risks

  • −468 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.

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Location

San Javier, Murcia

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

-63.2%Strong opportunity
Scope
Municipality (MITMA)
Zone median
€1,720 /m²
This asset
€632 /m²
Samples
271
Period
Q4-2025
Source
MITMA

vs other bank assets

-42.8%Strong opportunity
Scope
City
Zone median
€1,104 /m²
This asset
€632 /m²
Samples
24
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€65,400
Transfer tax (ITP) 8% — Murcia€5,232
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€71,932
Estimated refurbishment (state: mejorable)€41,500 – €72,500

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

SourceCimenta2
On the market sinceJun 2025 (477 days)
On Atalaya since16 Sept 2026
Last updated24 Sept 2026

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Aggregated data from public sources and servicer Cimenta2. 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