AtalayaAtalaya

Retail in Utebo

Utebo, Zaragoza • Ref: #9E341A63

€129,000
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Size

427 m²

Price / m²

€302

OccupancyUnconfirmed
30
Retail in Utebo — Utebo
Photo: Servihabitat
1 / 38

AI visual analysis

Automated analysis · physical condition

38 of 38 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Fachada: cerramiento provisional en ladrillo visto con huecos de ventilacion y puerta basica de acceso.
  • •Garaje: espacio completamente en bruto con forjados vistos, aislamiento proyectado en techos y suelo de hormigon sin pavimentar.
  • •Garaje: instalaciones vistas colgadas y cableado provisional cruzando el espacio pendiente de adecuacion integral.

Description

C. Limite, 17-19. Estado: second-hand. Extras: lift

Characteristics

Elevator

Yes

Year built

1888

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.

straightenUnreconciled surface: the listing states 427 m² but the cadastre records 373 m² (-13%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
7002804XM6270S
Cadastral area
373 m²
Year built
1888
Cadastral use
Residential

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

AVOID

30/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Retail location
Not assessable
—
Legal liens
7/15
Zone liquidity
2/15

Local comercial planta unknown de 427.00m² en Utebo a 315€/m² (mediana zona 484€/m², delta %). desconocida. Zona muy_baja, inventario reciente (14 días).

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 75 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

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

-34.8%Strong opportunity
Scope
Province (MITMA)
Zone median
€463 /m²
This asset
€302 /m²
Samples
108
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€129,000
Transfer tax (ITP) 8% — Aragón€10,320
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€452
Estimated total investment€140,772

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.
9 Oct 2026
€134,400arrow_forward€129,000-4.02%

Listing intel

SourceServihabitat
On Atalaya since16 Sept 2026
Last updated9 Oct 2026

Zone comparables

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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