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Sis

Bonavista, TarragonaRetailRef: #BD80FFAD

€30,900
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Size

130 m²

Price / m²

€238

OccupancyVacant
78
Sis — Bonavista, Tarragona
Photo: Solvia
1 / 18

AI visual analysis

Automated analysis · physical condition

18 of 18 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • La fachada del edificio muestra signos de desgaste y necesita mantenimiento.
  • Los balcones tienen barandillas de madera que parecen antiguas y podrían necesitar ser reemplazadas o restauradas.

descriptionDescription

Local comercial con acceso directo a la calle Sis situado en la ciudad de Tarragona en el barrio de Bonavista. El edificio en el que se encuentra es de uso residencial de tres alturas sobre rasante, que por su antigüedad, no dispone de ascensor. El acceso a las viviendas se realiza por un portal independiente del acceso al local comercial. Se ubica en una de las zonas de mayor tránsito de la ciudad, siempre se ha considerado que se trata de una zona próxima a las principales calles de la localidad, donde se ubican las oficinas de las entidades financieras relevantes y principales firmas comerciales. La calle tiene una gran densidad de tráfico y una densidad peatonal media. Tiene una ocupación de locales entorno al 70%, el tipo de negocio es el de oficinas y terciario. El entorno es principalmente residencial, con edificios entre medianeras de entre tres y cuatro alturas, generalmente con locales comerciales en planta baja. Dicha calle conecta las principales zonas de la ciudad con el casco antiguo. El local tiene una morfología regular. Dispone de una superficie de 130m2 construidos, con una fachada lineal principal de 4 m y una superficie útil de 124.93m2. El Local se distribuye, en una zona de acceso, una zona de atención al público, aseos y zona de almacén. En general el inmueble se encuentra en buen estado de conservación. El pavimento de todo el local es a base de piezas cerámicas.

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.
8436812CF4583E

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 1410 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.

gavelCatalonia specifics

In Catalonia the Generalitat holds first-refusal rights (tanteo y retracto) over transfers of homes originating from foreclosure (DL 1/2015): it can extend timelines. The cédula d'habitabilitat is mandatory for utilities and usually required for a mortgage. Also check for social-housing (VPO) status.

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

Alpha Rating

BUY

78/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
20/20
Retail location
20/25
Legal liens
10/15
Zone liquidity
11/15

Local comercial planta calle de 130.00m² en Tarragona a 238€/m² (mediana zona 571€/m², delta -58.3%). libre. Zona media, más de 2 años sin vender.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 43 listings bancarios del mismo city — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

location_off

Score moderated · working-class neighborhood

The municipal median overstates the real discount in this barrio. We've capped the zone-discount component at 19/30 to avoid surfacing illiquid assets as opportunities.

barrio de Bonavista

trending_upStrengths

  • +Descuento del -58.3% frente a la mediana zonal (571€/m²)
  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • 1402 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

Bonavista, Tarragona, Tarragona

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

-58.3%Strong opportunity
Scope
City
Zone median
€571 /m²
This asset
€238 /m²
Samples
43
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€30,900
Transfer tax (ITP) 10% — Cataluña€3,090
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€35,290
Estimated refurbishment (state: mejorable)€52,000€91,000

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

SourceSolvia
On the market sinceNov 2022 (1410 days)
On Atalaya since15 Sept 2026
Last updated24 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