AtalayaAtalaya

Cl Libertador Jose Gervasio

Distrito Sur, Córdoba • Apartment • Ref: #FB6AF856

€47,000
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Size

62 m²

Price / m²

€761

Rooms

2

OccupancyVacant
59
Cl Libertador Jose Gervasio — Distrito Sur, Córdoba
Photo: Solvia
1 / 12

AI visual analysis

Automated analysis · physical condition

12 of 12 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

descriptionDescription

Piso de segunda mano en venta situado en el Polígono de Guadalquivir, en Córdoba. Ideal para reformar a su gusto, con una superficie útil de 61,73 m². La vivienda cuenta con dos dormitorios, un baño, cocina independiente y salón. Está en primera planta y es exterior. Posibilidad de financiación del 100% con la entidad, sujeto a condiciones. Certificado de eficiencia energética en gestión. Se ubica en una zona tranquila, con espacio para aparcar por los alrededores, paradas de autobús a menos de 500 metros, y todo tipo de servicios a poca distancia de supermercados, colegios y el Hospital. Si quiere más información no dude en ponerse en contacto con nosotros a través de cualquiera de nuestras vías de comunicación. Estaremos encantados de atenderle.

Characteristics

Bathrooms

1

Elevator

No

Year built

1980

Energy rating

E

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 61.73 m² but the cadastre records 74 m² (+20%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
3619901UG4931N0090KS
Cadastral area
74 m²
Year built
1980
Cadastral use
Residential

routeHow 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.

handshakeThis asset has been listed for 1865 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

checklistMinimum 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).

warningDebts 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.

account_balanceFinancing

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

59/100

Confidence: Low

Score breakdown

Zone delta
19/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
6/15

Vivienda de 61.73m² en Córdoba a 761€/m² (mediana zona 2297€/m², delta -66.9%). Requiere Reforma Integral. Posesión libre. Zona baja, más de 2 años sin vender.

location_off

Score moderated · working-class neighborhood

The municipal median overstates the real discount in this barrio. We've capped the zone-discount component at 19/30 to avoid surfacing illiquid assets as opportunities.

“Polígono de Guadalquivir”

trending_upStrengths

  • +Descuento del -66.9% frente a la mediana zonal (2297€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −1863 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

Distrito Sur, Córdoba, Córdoba

analyticsPrice 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.

publicvs free market

-66.9%Strong opportunity
Scope
Municipality
Zone median
€2,297 /m²
This asset
€761 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

0.0%In line
Scope
Postal code
Zone median
€761 /m²
This asset
€761 /m²
Samples
15
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€47,000
Transfer tax (ITP) 7% — Andalucía€3,290
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€51,590

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

SourceSolvia
On the market sinceJul 2021 (1865 days)
On Atalaya since11 May 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer Solvia. 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