AtalayaAtalaya

Retail in Ermua

Ermua, Bizkaia • Ref: #6FFF3F05

€195,000
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Size

155 m²

Price / m²

€1,259

OccupancyUnconfirmed
55
Retail in Ermua — Ermua
Photo: Escogecasa
1 / 15

AI visual analysis

Automated analysis · physical condition

15 of 15 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Fachada: El local comercial presenta un aspecto cuidado y moderno, con grandes ventanales y carteles de 'Se Vende' y 'Se Alquila'.
  • •Interior: El espacio principal es amplio y diáfano, con suelos de mármol claro y paredes en tonos neutros, lo que le confiere un aspecto luminoso y bien mantenido.
  • •Interior: Una zona del local cuenta con moqueta y mobiliario básico, como una mesa y sillas, indicando un posible uso de oficina o sala de reuniones.
  • •Trastero: Se observa un área de almacenamiento con estanterías metálicas, mostrando un espacio funcional y organizado.

Description

Local comercial de 154,84 m2, situado en la planta baja de un edificio de viviendas con acceso directo a pie de calle, acondicionado como oficina bancaria y distribuido en zona de atención al público, despacho, almacén-archivo y dos aseos. Fachada: 5,58 m. Fondo: 28,09 m. Altura libre: 2,83 m. No dispone de salida de humos.

Characteristics

Bathrooms

2

Elevator

No

Terrace

No

Parking

No

Year built

1965

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

F

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

55/100

Confidence: Medium

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Retail location
20/25
Legal liens
7/15
Zone liquidity
Not assessable
—

Local comercial planta calle de 154.84m² en Ermua a 1389€/m² (mediana zona 897€/m², delta %). desconocida. Zona muy_baja sin fecha de publicación fiable.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 83 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Strengths

  • +Estado habitable sin reforma inmediata

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

Ermua, 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

+30.9%Above anchor
Scope
Province (MITMA)
Zone median
€962 /m²
This asset
€1,259 /m²
Samples
93
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€195,000
Transfer tax (ITP) 4% — País Vasco€7,800
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€683
Estimated total investment€204,483

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.
23 Sept 2026
€215,000arrow_forward€195,000-9.3%

Listing intel

SourceEscogecasa
On Atalaya since16 Sept 2026
Last updated24 Sept 2026

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Aggregated data from public sources and servicer Escogecasa. 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