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AtalayaAtalaya

Apartment in Vilanova del Camí

Vilanova del Cami, Barcelona • Ref: #FE03DB41

€109,900
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Size

121 m²

Price / m²

€908

Rooms

4

OccupancyUnconfirmed
58
Apartment in Vilanova del Camí — Vilanova del Cami
Photo: Servihabitat
1 / 19

AI visual analysis

Automated analysis · physical condition

19 of 19 photos analyzed

Physical condition

Good

Photo quality

Good

Description

Estado: second-hand. Extras: swimming-pool, terrace

Characteristics

Bathrooms

2

Terrace

Yes

Parking

No

Pool

No

Storage room

No

Legal & cadastral analysis

expand_more

Cadastral data

Unverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

Cadastral ref.
7236521CG8073N

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.

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

ANALYZE

58/100

Confidence: Medium

Score breakdown

Zone delta
13/30
Possession
Not assessable
—
Physical state
20/25
Legal liens
7/15
Zone liquidity
9/15

Vivienda de 121.00m² en Vilanova del Cami a 908€/m² (mediana zona 1123€/m², delta -19.1%). Buen Estado. Posesión desconocida. Zona muy_baja, 140 días en mercado.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 11 listings bancarios del mismo city — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Strengths

  • +Estado habitable sin reforma inmediata

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

Vilanova del Cami, Barcelona

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

0.0%In line
Scope
Postal code
Zone median
€908 /m²
This asset
€908 /m²
Samples
5
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€109,900
Transfer tax (ITP) 10% — Cataluña€10,990
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€385
Estimated total investment€122,275

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.
9 Jun 2026
€119,000arrow_forward€109,900-7.65%

Listing intel

SourceServihabitat
On Atalaya since28 Apr 2026
Last updated25 Sept 2026

Zone comparables

Top 5 similar properties in Vilanova del Camí by AI score

See all bank-owned properties in Vilanova del Camí

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