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AtalayaAtalaya

Retail in Montilla

Calle Fuente Alamo, s/n

Montilla, Córdoba • Ref: #46BB9F49

€76,900
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Size

301 m²

Price / m²

€255

OccupancyVacant
60
Calle Fuente Alamo, s/n — Montilla
Photo: sareb
1 / 30

AI visual analysis

Automated analysis · physical condition

30 of 30 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: edificio de estilo tradicional con soportales y balcones en buen estado aparente de conservacion.
  • •Pasillo: zonas comunes y portal con suelos de gres rustico y pintura en estado aceptable, sin acceso visible al interior de la vivienda.
  • •Exterior: patio interior comunitario limpio y con acabados exteriores sencillos bien mantenidos.

Description

Amplio local interior en bruto, con una superficie aproximada de 106 m², completamente diáfano y sin divisiones, ideal para adaptar según las necesidades del proyecto. Está ubicado en una zona bien comunicada de Montilla, lo que lo convierte en una opción atractiva tanto para uso comercial como profesional. El local se encuentra en estado de obra, lo que permite una total libertad en su distribución y diseño interior. Montilla es un municipio situado al sur de la provincia de Córdoba, reconocido por su importante tradición vitivinícola y su patrimonio histórico. Rodeada de extensos viñedos y olivares, la localidad combina un rico legado cultural, con una destacada actividad agroalimentaria, especialmente ligada a la Denominación de Origen Protegida Montilla-Moriles. Su ubicación estratégica y su entorno agrícola la convierten en un referente económico y turístico de la campiña cordobesa.

Characteristics

Floor

2

Elevator

No

Terrace

No

Parking

No

Year built

2005

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Legal & cadastral analysis

expand_more

Cadastral data

straightenUnreconciled surface: the listing states 301 m² but the cadastre records 196 m² (-35%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
5410967UG5651S0060SR
Cadastral area
196 m²
Year built
2005
Cadastral use
Commercial

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 1313 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.

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

Alpha Rating

BUY

60/100

Confidence: High

Score breakdown

Zone delta
Not assessable
—
Possession
20/20
Retail location
Not assessable
—
Legal liens
10/15
Zone liquidity
0/15

Local comercial planta unknown de 301.00m² en Montilla a 265€/m² (mediana zona 543€/m², delta %). 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 36 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Strengths

  • +Aliseda declara el activo con posesión: libre para entregar

Risks

  • −1294 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

Montilla, Córdoba

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

-67.2%Strong opportunity
Scope
Province (MITMA)
Zone median
€777 /m²
This asset
€255 /m²
Samples
39
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€76,900
Transfer tax (ITP) 7% — Andalucía€5,383
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€83,583
Estimated refurbishment (state: mejorable)€120,500 – €210,500

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.
22 Oct 2026
€80,000arrow_forward€76,900-3.88%

Listing intel

SourceAliseda
On the market sinceMar 2023 (1313 days)
On Atalaya since27 Sept 2026
Last updated24 Oct 2026

Zone comparables

Top 5 similar properties in Montilla by AI score

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Aggregated data from public sources and servicer sareb. 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