AtalayaAtalaya

Retail in Leioa

Leioa, Bizkaia • Ref: #BBF4594A

€159,000
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Size

62 m²

Price / m²

€2,565

OccupancyUnconfirmed
55
Retail in Leioa — Leioa
Photo: Altamira
1 / 18

AI visual analysis

Automated analysis · physical condition

18 of 18 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: edificio residencial de ladrillo visto en estado de conservacion funcional sin danos estructurales evidentes.
  • •Garaje: local o sotano diafano con solera de hormigon en bruto, pilares pintados y estanterias metalicas, requiriendo acondicionamiento general.
  • •Trastero: estancia secundaria con suelo de terrazo antiguo estampado y ventanas interiores hacia el local, necesitando actualizacion de acabados.

Description

Local Comercial en LARRAMENDI, 3, Leioa, Vizcaya. Superficie: 62 m², 0 habitaciones, 1 baños.

Characteristics

Bathrooms

1

Elevator

No

Terrace

No

Parking

No

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

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.

handshakeThis asset has been listed for 580 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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
Not assessable
—
Legal liens
10/15
Zone liquidity
11/15

Local comercial planta unknown de 62.00m² en Leioa a 2565€/m² (mediana zona 988€/m², delta %). desconocida. Zona muy_baja, stock estancado (561 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.

Risks

  • −561 días en mercado sin venderse

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

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

+157.0%Above anchor
Scope
Province (MITMA)
Zone median
€998 /m²
This asset
€2,565 /m²
Samples
77
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€159,000
Transfer tax (ITP) 4% — País Vasco€6,360
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€557
Estimated total investment€166,917
Estimated refurbishment (state: mejorable)€25,000 – €43,500

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

SourceAltamira
On the market sinceMar 2025 (580 days)
On Atalaya since10 May 2026
Last updated19 Oct 2026

Zone comparables

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View analysis

Aggregated data from public sources and servicer Altamira. 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