Checking the original advert…

Auction House

Villafranca · Navarra · 31330

Three-level house with rear courtyard

€2,397

House in Villafranca, Navarra, with 40 m² of built area and a 20 m² rear courtyard. The property has a ground floor and two upper floors and is occupied by persons without a right to remain.

Reference SUB-RC-2026-3100200103076 · On Inmoblia since 11 August 2026

The auction

Auction details

Official terms published on the BOE auction portal.

Running Administrative auction Closes in 4 days
€2,397Opening bidMinimum published amount to bid
Possession
Not stated
Prior charges
Yes, charges published
Viewable
No
Deposit to bid
€1,199
Appraised value
€30,193
Auction closes
31 August 2026

Charges published by the BOE: Contribución

The property

Specifications

What the advert says about the property: floor area, layout, condition and registry details.

Some advert data is uncertain

We show the source-reported value for context, but exclude it from calculations until the conflicting evidence is resolved.

Type
House
Built area (source, uncertain)
40 m²
Floors in the property
3
Occupancy
Illegally occupied
Transaction type
Auction
Fittings

Fittings and extras

Property characteristics published in the auction file.

The advert also mentions:

  • Rear courtyard
  • Not a habitual residence
  • Property registered as finca 333 in Villafranca
  • Tax lien annotation in favor of the Government of Navarra
  • Registered charge for property tax

Free text we could not normalise into a comparable attribute, so it does not score.

The verdict

What the analysis sees

The specific signals the model finds in this property and its municipality, before going into the score in detail.

In favour

No notable positive signals.

Against

  • Deposit requiredBidding requires posting the deposit the BOE demands in advance.
  • No valuation of our ownWe cannot measure the discount without an independent market valuation.
  • Prior charges publishedThe BOE publishes prior charges that may survive the award.
  • Closing soonSeven days or fewer remain to complete checks and submit a bid.
The auction score

How the score is built

This lot gets no overall score, but its factors are still measured. Each panel shows what we know and stays collapsed until you want to review the data.

Total score (the discount is missing, and it carries 45%)No score

Discount to market

45% of the score
Not measured

We have no market valuation of our own for this property, so we cannot measure the discount on the bid. Since it carries 45% of the total, the lot gets no overall score: we do not use the court appraisal as a substitute.

Effective bid
€2,397
Estimated market value
—
Calculated discount
—

The discount rises on a gradual curve: 20% is worth about 49/100 and 60% about 86/100. Source: the bid published by the BOE and Inmoblia's explainable valuation; the court appraisal is not used as market value.

Prior charges

15% of the score
15
Published position
Yes, charges published

BOE text: Contribución

Prior charges may survive the award. No declared charges scores 100; if the BOE does not state it, 45; with published charges, 15.

Possession

20% of the score
45
Published position
Not stated

A vacant property scores 100; tenanted, 55; position unknown, 45; and occupied, 10, for the cost and time recovering possession may take.

Municipal liquidity

10% of the score
50
1.3Market turnover
median 3.3 transactions a year per 1,000 residents · more turnover, easier to resell · 2026Q1
0.18Repossession pressure
median 0.74 urban housing repossessions per 1,000 of the provincial stock · 2025

Repossessions are a provincial figure (INE) and turnover is municipal (MIVAU). They measure the market's risk and how easily it resells, not the quality of this particular property.

Without enough municipal coverage the factor stays at 50, neutral: it neither rewards nor penalises.

Valuation reliability

10% of the score
30
Valuation confidence
low confidence

The discount is only as reliable as the market value used as its reference. A high-confidence valuation scores 100; medium, 65; low or absent, 30.

In most court auctions the charges ranking ahead of the executing creditor are not extinguished: the successful bidder takes them on. Possession is not guaranteed and may require eviction proceedings at the buyer's cost. Bidding requires a digital certificate, DNIe or Cl@ve and posting the stated deposit in advance. Always check the full terms in the official BOE notice.

Low confidence: key details of the file are missing; read the score with caution.

Confidence measures how much data we hold, not the quality of the investment. We publish no arrears estimates: income, employment and crime figures are market context, never an indicator of tenant risk.