AtalayaAtalaya

Elx

Figueres, Girona • Retail • Ref: #41478025

€65,000
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Size

126 m²

Price / m²

€516

OccupancyVacant
64
Elx — Figueres
Photo: Solvia
1 / 9

AI visual analysis

Automated analysis · physical condition

9 of 9 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Local comercial con acceso directo a la calle con una superficie útil de aproximada 121,59 m² se encuentra en el municipio de Figueres, en la provincia de Griona. El local se distribuye en; amplia sala, aseo y tres almacenes. Se ubica en la planta sótano de un edificio plurifamiliar de uso característico residencial asilado que consta de planta sótano de uso comercial y parte aparcamiento, planta baja de uso comercial y seis plantas sobre rasante destinado a viviendas. El acceso al local se realiza al mismo nivel de calle por la parte posterior de la Calle Elx, mediante zona verda pública que comunica con la Avenida de Perpinyà. Equipamientos cercanos completos: escolar, aparcamiento, asistencial, bancos, comercial, deportivo, lúdico, religioso y restaurantes. Buenas comunicaciones: El aeropuerto Girona-Costa Brava está situado a unos 50 Km de la ciudad. Carreteras comarcal, estación de tren y AVE, estación de autobuses y líneas de autobuses urbanas e interurbanas.

Characteristics

Elevator

No

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

gavelLegal & cadastral analysis

expand_more

assignmentCadastral datahelpUnverified

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

Cadastral ref.
6304517DG9860S

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 919 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.

gavelCatalonia 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

BUY

64/100

Confidence: High

Score breakdown

Zone delta
Not assessable
—
Possession
20/20
Retail location
6/25
Legal liens
10/15
Zone liquidity
10/15

Local comercial planta sotano de 126.07m² en Figueres a 516€/m² (mediana zona 469€/m², delta %). libre. Zona 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 10 listings bancarios del mismo city — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

trending_upStrengths

  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −918 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

Figueres, Girona

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.

vs free market

No reference available for this area and asset type.

account_balancevs other bank assets

-4.8%In line
Scope
Province (MITMA)
Zone median
€542 /m²
This asset
€516 /m²
Samples
122
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€65,000
Transfer tax (ITP) 10% — Cataluña€6,500
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€72,800

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 (919 days)
On Atalaya since9 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