AtalayaAtalaya

House in Castellfollit de la Roca

Calle Major

Castellfollit de la Roca, Girona • Ref: #FC6F3EDC

€69,000
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Size

268 m²

Price / m²

€257

Rooms

4

OccupancyVacant
39
Calle Major — Castellfollit de la Roca
Photo: Solvia
1 / 10

AI visual analysis

Automated analysis · physical condition

10 of 10 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: La fachada de la propiedad se encuentra en un estado de conservación regular, con signos de desgaste y suciedad.
  • •Salon: El salón presenta paredes con desconchones y humedad, indicando la necesidad de una reforma integral.
  • •Cocina: La cocina está parcialmente equipada, con muebles antiguos y un aspecto descuidado, requiriendo una renovación completa.
  • •Exterior: El exterior de la propiedad muestra un entorno urbano con calles estrechas y edificios antiguos, lo que sugiere una ubicación en un casco histórico o pueblo.

Description

Casa de Pueblo adosada que consta de tres plantas sobre rasante, compuesta por diferentes estancias en la que se podría establecer cuatro dormitorios y dos cuartos de baño, con una superficie construida de 268 m2. Se encuentra situado en el municipio de Castellfollit de la Roca, en la provincia de Girona. En la vivienda es necesario realizar una reforma para adecuarlo a unas condiciones de habitabilidad óptimas El inmueble se encuentra en una zona tranquila, rodeado por viviendas residenciales de similares características. Además, se encuentra a poca distancia del centro de la localidad, donde es posible encontrar todo tipo de servicios, como restaurantes, colegios, centros de salud, comercios. La vivienda dispone de una excelente ubicación y está muy bien comunicada por las carreteras comarcales que rodean al municipio y por transporte público. Con nuestros servicios podrá encontrar la vivienda que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

2

Elevator

No

Year built

1900

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

Energy rating

E

Legal & cadastral analysis

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Cadastral data

Cadastral ref.
3143212DG6734S0001ML
Cadastral area
246 m²
Year built
1900
Cadastral use
Residential

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.

handshakeThis asset has been listed for 943 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.

Catalonia specifics

In Catalonia the Generalitat holds first-refusal rights (tanteo y retracto) over transfers of homes originating from foreclosure (DL 1/2015): it can extend timelines. The cédula d'habitabilitat is mandatory for utilities and usually required for a mortgage. Also check for social-housing (VPO) status.

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

Alpha Rating

AVOID

39/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
20/20
Physical state
7/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 268.00m² en Castellfollit de la Roca a 257€/m² (mediana zona 1236€/m², delta -79.2%). Requiere Reforma Integral. Posesión libre. Zona muy_baja, más de 2 años sin vender.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 525 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Strengths

  • +Descuento del -79.2% frente a la mediana zonal (1236€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

Risks

  • −934 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

Castellfollit de la Roca, Girona

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

-80.8%Strong opportunity
Scope
Province (MITMA)
Zone median
€1,341 /m²
This asset
€257 /m²
Samples
536
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€69,000
Transfer tax (ITP) 10% — Cataluña€6,900
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€77,200

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 sinceFeb 2024 (943 days)
On Atalaya since1 Sept 2026
Last updated24 Sept 2026
See all bank-owned properties in Girona

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