AtalayaAtalaya

House in Tudela

Calle San Miguel, 13

Tudela, Navarra • Ref: #EEE76B04

€33,000
open_in_newView original listing

Get new bank-owned properties in Tudela under your budget by email. Free.

Size

127 m²

Price / m²

€259

Rooms

4

OccupancyVacant
46
Calle San Miguel, 13 — Tudela
Photo: sareb
1 / 13

AI visual analysis

Automated analysis · physical condition

13 of 13 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Cocina: presenta desprendimiento severo de revoco en las paredes laterales mostrando la fabrica de ladrillo, ademas de suelos desgastados y mobiliario incompleto.
  • •Salon: muestra humedad evidente y desprendimiento generalizado del papel pintado y revoco en paramentos verticales.
  • •Dormitorio: paredes con manchas de humedad, desconchones en la pintura y armarios empotrados deteriorados.
  • •Bano: revestimientos oscuros aparentemente actualizados pero con sanitarios incompletos y cables colgando sin remates.

Description

Vivienda a la venta en el casco antiguo de Tudela con una superficie construida de 193 m2 y útil de 154 m2 sobre parcela de 64 m2 en Planta Baja + 2 y se distribuye del siguiente modo: En Planta Baja, salón y cocina. En Planta Primera dos dormitorios y dos baños, uno de ellos en suite, y en Planta Segunda un tercer dormitorio, un baño y sala polivalente. Vivienda que necesita de reforma integral, adaptándola a tus necesidades. Tudela es una ciudad histórica y acogedora del sur de Navarra, situada junto al río Ebro. Destaca por su valioso patrimonio cultural, su rica tradición agrícola y gastronómica, y su proximidad a las Bardenas Reales. Su combinación de historia, naturaleza y dinamismo la convierte en uno de los lugares más representativos de la Ribera navarra. ¡Contáctanos para más información!

Characteristics

Bathrooms

3

Elevator

No

Terrace

No

Parking

No

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

E

Legal & cadastral analysis

expand_more

Cadastral data

Cadastral ref.
310000000001659561WU

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 3350 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

46/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
Not assessable
—

Vivienda de 127.00m² en Tudela a 259€/m² (mediana zona 1397€/m², delta -81.5%). Requiere Reforma Integral. Posesión libre. Zona muy_baja, más de 2 años sin vender.

Strengths

  • +Descuento del -81.5% frente a la mediana zonal (1397€/m²)
  • +Aliseda declara el activo con posesión: libre para entregar

Risks

  • −3345 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

Tudela, Navarra

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

-81.5%Strong opportunity
Scope
Municipality (MITMA)
Zone median
€1,397 /m²
This asset
€259 /m²
Samples
103
Period
Q4-2025
Source
MITMA

vs other bank assets

-36.8%Strong opportunity
Scope
Province (MITMA)
Zone median
€410 /m²
This asset
€259 /m²
Samples
104
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€33,000
Transfer tax (ITP) 6% — Navarra€1,980
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€36,280

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.
5 Oct 2026
€37,000arrow_forward€33,000-10.81%

Listing intel

SourceAliseda
On the market sinceAug 2017 (3350 days)
On Atalaya since9 May 2026
Last updated9 Oct 2026

Zone comparables

Top 5 similar properties in Tudela by AI score

See all bank-owned properties in Tudela
Calle Juan Antonio Fernández
57

Calle Juan Antonio Fernández

€301,400

€640/m² · 471 m²

View analysis
Avenida De los Tilos
54

Avenida De los Tilos

€250,000

€929/m² · 269 m²

View analysis

Aggregated data from public sources and servicer sareb. 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