AtalayaAtalaya

Retail in Leioa

Elorrieta, Leioa, Bizkaia • Ref: #52D25053

€180,688
open_in_newView original listing

Get new bank-owned properties in Leioa under your budget by email. Free.

Size

130 m²

Price / m²

€1,390

OccupancyUnconfirmed
40
Retail in Leioa — Elorrieta, Leioa
Photo: Servihabitat
1 / 15

AI visual analysis

Automated analysis · physical condition

15 of 15 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Salon: Espacio diafano tipo oficina/local con suelos laminados en estado aceptable pero paredes que requieren repintado por marcas de uso y retirada de mobiliario.
  • •Fachada: Portal y cerramiento exterior de ladrillo visto en buen estado general de conservacion.
  • •Pasillo: Zona superior de altillo o distribuidor con moqueta desgastada y revestimientos de papel pintado que precisan actualizacion.

Description

C. Doctor Don Luis Bilbao Libano, 32. Estado: segunda-mano. Extras: lift

Characteristics

Bathrooms

2

Elevator

Yes

Heating

Yes

How to buy this asset from the bank

expand_more
  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.

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

Alpha Rating

ANALYZE

40/100

Confidence: Medium

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Retail location
Not assessable
—
Legal liens
7/15
Zone liquidity
5/15

Local comercial planta unknown de 130.00m² en Leioa a 1390€/m² (mediana zona 988€/m², delta %). desconocida. Zona muy_baja, inventario reciente (30 días).

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 70 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

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

Elorrieta, Leioa, Bizkaia

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

+39.3%Above anchor
Scope
Province (MITMA)
Zone median
€998 /m²
This asset
€1,390 /m²
Samples
77
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€180,688
Transfer tax (ITP) 4% — País Vasco€7,228
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€632
Estimated total investment€189,548
Estimated refurbishment (state: mejorable)€52,000 – €91,000

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

SourceServihabitat
On Atalaya since31 Aug 2026
Last updated19 Oct 2026

Zone comparables

Top 5 similar properties in Leioa by AI score

See all bank-owned properties in Leioa
Larramendi,, 3
55

Larramendi,, 3

€159,000

€2,565/m² · 62 m²

View analysis

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