AtalayaAtalaya

House in Sangonera la Verde

Sangonera la Verde, Murcia • Ref: #F06C10D3

€175,500
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Size

323 m²

Price / m²

€543

Rooms

3

OccupancyOccupied · no titleDeduced by AI
33
House in Sangonera la Verde — Sangonera la Verde
Photo: Servihabitat
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AI visual analysis

Automated analysis · physical condition

3 of 3 photos analyzed

Physical condition

Needs work

Photo quality

Poor

Model observations

  • •Fachada: edificio unifamiliar de dos plantas con revestimiento pintado, zócalo de piedra y carpintería exterior con persianas en buen estado aparente.
  • •Exterior: las imágenes aportadas corresponden al entorno urbano y fachadas exteriores sin acceso visual al interior de la vivienda.

Description

Estado: second-hand. Sin posesión legal

Characteristics

Bathrooms

2

Terrace

No

Parking

No

Pool

No

Storage room

No

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.

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

Alpha Rating

AVOID

33/100

Confidence: Low

Score breakdown

Zone delta
8/30
Possession
2/20
Physical state
14/25
Legal liens
7/15
Zone liquidity
4/15

Vivienda de 323.00m² en Sangonera la Verde a 543€/m² (mediana zona 1225€/m², delta -55.7%). Estado Mejorable. Posesión con ocupación irregular. Zona muy_baja, 154 días en mercado.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 5 listings bancarios del mismo postal — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Risks

  • −Referencia zonal poco fiable (fuente internal, n=5)
  • −IA detectó: Sin posesión legal

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

Sangonera la Verde, 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

No reference available for this area and asset type.

vs other bank assets

-39.3%Strong opportunity
Scope
Postal code
Zone median
€895 /m²
This asset
€543 /m²
Samples
6
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€175,500
Transfer tax (ITP) 8% — Murcia€14,040
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€614
Estimated total investment€191,154
Estimated refurbishment (state: mejorable)€129,000 – €226,000

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

SourceServihabitat
On Atalaya since28 Apr 2026
Last updated1 Nov 2026

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Aggregated data from public sources and servicer Servihabitat. 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