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Retail in Santa Maria del Aguila

Santa Maria del Aguila, Almería • Ref: #6EFA9D83

€153,900
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Size

166 m²

Price / m²

€927

OccupancyOccupied · legal tenantDeduced by AI
44
Retail in Santa Maria del Aguila — Santa Maria del Aguila
Photo: Unicaja Inmuebles
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AI visual analysis

Automated analysis · physical condition

2 of 2 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: El edificio presenta un aspecto general cuidado, con ladrillo visto y balcones con barandillas.
  • •Exterior: La planta baja parece ser un local comercial con grandes ventanales y una entrada principal.
  • •Exterior: La acera y la calle adyacente muestran un desgaste normal.

Description

Local en la provincia de Almería, en el municipio de Santa maria del aguila, en la calle ALICANTE,SN ESQ.HNOS ESPINOSA ALFONSO. CON INCIDENCIAS: INMUEBLE ALQUILADO-NO VISITABLE.

Legal & cadastral analysis

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Cadastral data

Unverified

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

Cadastral ref.
0709907WF2700N
Cadastral use
Agricultural

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.

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

44/100

Confidence: High

Score breakdown

Zone delta
Not assessable
—
Possession
12/20
Retail location
Not assessable
—
Legal liens
7/15
Zone liquidity
3/15

Local comercial planta unknown de 166.00m² en Santa Maria del Aguila a 927€/m² (mediana zona 521€/m², delta %). con inquilino legal. Zona muy_baja, inventario reciente (9 días).

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 81 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.

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Location

Santa Maria del Aguila, Almería

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

+77.9%Above anchor
Scope
Province (MITMA)
Zone median
€521 /m²
This asset
€927 /m²
Samples
81
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€153,900
Transfer tax (ITP) 7% — Andalucía€10,773
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€539
Estimated total investment€166,212
Estimated refurbishment (state: mejorable)€66,500 – €116,000

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

SourceUnicaja
On Atalaya since14 Sept 2026
Last updated24 Sept 2026
See all bank-owned properties in Santa Maria del Aguila

Aggregated data from public sources and servicer Unicaja Inmuebles. 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