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House in Almodóvar del Río

Almodovar del Rio, Córdoba • Ref: #F19CD7AF

€153,128
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Size

162 m²

Price / m²

€945

Rooms

4

OccupancyUnconfirmed
34
House in Almodóvar del Río — Almodovar del Rio
Photo: Urbaniza (Caja Rural)

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Poor

Model observations

  • •Fachada: Presenta carpinterias exteriores con persianas, balcones y pintura en estado aparentemente correcto sin signos de colapso.
  • •Exterior: Solo se aporta una toma exterior de la calle y la fachada, sin vistas del interior del inmueble.
  • •Garaje: Se aprecia puerta metalica de acceso para vehiculos a nivel de calle en buen estado aparente.

Description

Bank-owned property managed by Urbaniza (Caja Rural) (Banco Cooperativo Español).

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.

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

34/100

Confidence: Low

Score breakdown

Zone delta
0/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
8/15

Vivienda de 162.00m² en Almodovar del Rio a 945€/m² (mediana zona 726€/m², delta +30.2%). Estado Mejorable. Posesión desconocida. Zona baja, 139 días en mercado.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 198 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Risks

  • −Precio +30.2% por encima de mediana zonal

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

Almodovar del Rio, Córdoba

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

+32.9%Above anchor
Scope
Province (MITMA)
Zone median
€711 /m²
This asset
€945 /m²
Samples
235
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€153,128
Transfer tax (ITP) 7% — Andalucía€10,719
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€536
Estimated total investment€165,383
Estimated refurbishment (state: mejorable)€65,000 – €113,500

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
2 Jun 2026
€90,967arrow_forward€153,128-68.33%

Listing intel

SourceCaja Rural
On Atalaya since12 May 2026
Last updated22 Oct 2026

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Aggregated data from public sources and servicer Urbaniza (Caja Rural). 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