AtalayaAtalaya

Apartment in Novelda

Avenida De la Constitucion 96 4º F

Novelda, Alicante • Auction • Ref: #FAE726E6

€222,720
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Size

116 m²

Rooms

3

OccupancyVacant
52
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

Description

Finca registral 36247 al tomo 1368,libro 511, folio 216, inscripcion 3

Characteristics

Bathrooms

2

Year built

1994

Legal & cadastral analysis

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Legal analysis (AI)

Ocupaciónlibre
Desahucio necesario
Cargas (€)€111,896
Detalle cargasHipoteca a favor de UNIÓN DE CRÉDITOS INMOBILIARIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO por 116000 EUR de capital, 62640 EUR de intereses de demora y 17400 EUR de costas y gastos de ejecución judicial o extrajudicial, y 5800 EUR por otros gastos. Servidumbre de paso. Afección fiscal.
Hipoteca€111,896
Puja mínima€222,720
Fase judicialejecucion
Nivel de riesgomedium
Litigioshipoteca, servidumbre, afeccion_fiscal
Análisis riesgoLa propiedad está libre de ocupantes, lo que reduce el riesgo. Sin embargo, la hipoteca es la única carga significativa y el valor de tasación es alto.

How to bid in this auction (BOE)

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  1. 1Read the full terms on subastas.boe.es: auction value, minimum bid, increments and surviving charges.
  2. 2Request a nota simple and study prior charges — auctions do NOT wipe them all; charges prior to the annotation survive.
  3. 3Deposit the required amount (usually 5% of the auction value) through the BOE platform to be able to bid.
  4. 4Bid within the window (usually 20 calendar days). If you win, you must pay the remainder within a short deadline — effectively a cash operation.
  5. 5After the award: decree, registration and, if occupied, the possession process. Think months, not weeks.

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

Auctions are effectively cash operations: you must deposit to bid and pay the remainder shortly after the award. Don't count on a traditional mortgage within those deadlines.

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

Alpha Rating

ANALYZE

52/100

Confidence: Medium

Score breakdown

Zone delta
4/30
Possession
20/20
Physical state
Not assessable
—
Legal liens
6/15
Zone liquidity
Not assessable
—
BOE bonus
6/6

Subasta BOE en Novelda a 222,720€. Sin tasación de referencia publicada. Posesión libre. Subasta cierra en 18 días.

Strengths

  • +Subasta inminente: cierre en 18 días, ventana de decisión limitada (presión vendedora)
  • +Documentación judicial confirma que no se requiere desahucio adicional
  • +Cargas en posición preferente: hipoteca primaria, sin cargas senior ocultas
  • +Documentación judicial: vivienda libre

Risks

  • −Precio +111.5% por encima de mediana zonal
  • −Sin tasación judicial publicada: descuento sobre mercado no verificable

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

Novelda, Alicante

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

+111.5%Above anchor
Scope
Municipality (MITMA)
Zone median
€906 /m²
This asset
€1,917 /m²
Samples
97
Period
Q4-2025
Source
MITMA

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€222,720
Transfer tax (ITP) 10% — Comunitat Valenciana€22,272
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€780
Estimated total investment€246,772

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.

gavelAuction property

Ends: 5 October 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (10 days)
On Atalaya since16 Sept 2026
Last updated17 Sept 2026

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Aggregated data from public sources and servicer BOE - Portal de Subastas. 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