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AtalayaAtalaya

Calle San Francisco (esq. con C/ Teruel)

Utebo, ZaragozaRetailRef: #60C4B2F8

€77,000
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Size

120 m²

Price / m²

€644

OccupancyOccupied · type to verify
61
Calle San Francisco (esq. con C/ Teruel) — Utebo
Photo: Solvia

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • Fachada: El edificio presenta una fachada con pintura desgastada y algunos elementos como aires acondicionados que denotan antigüedad.
  • Exterior: La planta baja tiene un aspecto comercial con un autolavado, lo que sugiere un uso mixto del edificio.

descriptionDescription

Local comercial de 120 m² ubicado en Utebo, Zaragoza. Se trata de un local comercial de 120 m² distribuidos en varias dependencias. Cuenta con acceso directo desde calle, lo que facilita la entrada y salida de clientes y proveedores. El local comercial se sitúa en el núcleo urbano de Utebo, con buenos accesos a través de la autovía A-2 y la carretera N-232. La localidad dispone de estación de tren de cercanías y líneas de autobús urbano e interurbano, lo que mejora la comunicación con Zaragoza y otras localidades cercanas. En la zona existen servicios como supermercados, restaurantes, instalaciones deportivas, centros educativos, oficinas bancarias y otros negocios comerciales. Cercano al Centro Comercial Alcampo Utebo, y a pocos minutos del Polideportivo Municipal, Centro de Salud Utebo y la estación de tren de Utebo. Con nuestros servicios podrá encontrar el local comercial que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente. [Aviso legal] El inmueble se encuentra gravado con una o varias cargas, la/s cual/es se encuentra/n pendiente/s de su cancelación. Consultar su situación actual, así como, sus posibles limitaciones y la asunción de su cancelación. Se recomienda que el comprador obtenga asesoramiento profesional y legal antes de adoptar la decisión de compra. El inmueble ha sido adquirido a través de un procedimiento judicial (concursal o hipotecario) por el vendedor, el cual no ha tomado todavía posesión del mismo. Se recomienda que el comprador obtenga asesoramiento profesional antes de adoptar la decisión de compra.

gavelLegal & cadastral analysis

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assignmentCadastral datahelpUnverified

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

Cadastral ref.
6893616XM6169S

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 184 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.

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

Alpha Rating

BUY

61/100

Confidence: High

Score breakdown

Zone delta
Not assessable
Possession
10/20
Retail location
20/25
Legal liens
10/15
Zone liquidity
4/15

Local comercial planta calle de 119.63m² en Utebo a 644€/m² (mediana zona 484€/m², delta %). con ocupación a verificar. Zona muy_baja, 177 días en mercado.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 87 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

Utebo, Zaragoza

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

+33.1%Above anchor
Scope
Province (MITMA)
Zone median
€484 /m²
This asset
€644 /m²
Samples
89
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€77,000
Transfer tax (ITP) 8% — Aragón€6,160
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€84,460
Estimated refurbishment (state: mejorable)€48,000€83,500

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.

Listing intel

SourceSolvia
On the market sinceMar 2026 (184 days)
On Atalaya since12 Sept 2026
Last updated23 Sept 2026

compare_arrowsZone comparables

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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