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AtalayaAtalaya

Plaza Jose María Artes

Cartagena, MurciaRetailRef: #C88B8685

€490,000
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Size

420 m²

Price / m²

€1,167

OccupancyVacantDeduced by AI
69
Plaza Jose María Artes — Cartagena
Photo: Solvia
1 / 30

AI visual analysis

Automated analysis · physical condition

30 of 30 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Local Comercial situado en Cartagena. Cuenta con una superficie de 420m². El local se encuentra en bruto. Exento de certificación energética. Dispone de una excelente ubicación en el casco antiguo de la población, situado en plena Plaza de José María Artes con vistas directas sobre el edificio del Palacio Consistorial de Cartagena. La zona está rodeada de todo tipo de servicios y comercios, y cuenta con buena accesibilidad tanto pública, como privada. Se trata de un local para uso comercial con grandes posibilidades, competitivo, que destaca por su excelente comunicación. Ideal, por tanto, para montar un negocio abierto al público o desarrollar cualquier otra actividad profesional, contando con un acceso cómodo y fácil adaptabilidad. Con los servicios de Solvia podrá conocer las posibilidades reales para instalar su negocio en este local y comenzar su actividad cuanto antes. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

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.
7835807XG7673N

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 3141 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.

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

Alpha Rating

BUY

69/100

Confidence: High

Score breakdown

Zone delta
Not assessable
Possession
20/20
Retail location
Not assessable
Legal liens
10/15
Zone liquidity
10/15

Local comercial planta unknown de 419.95m² en Cartagena a 1167€/m² (mediana zona 498€/m², delta %). 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 12 listings bancarios del mismo city — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

trending_upStrengths

  • +IA Gemini Flash detectó estado por descripción

warningRisks

  • 3140 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

Cartagena, Murcia

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

+157.6%Above anchor
Scope
City
Zone median
€453 /m²
This asset
€1,167 /m²
Samples
11
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€490,000
Transfer tax (ITP) 8% — Murcia€39,200
Notary (est.)€735
Land Registry (est.)€490
Admin agency (est.)€1,715
Estimated total investment€532,140

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 sinceJan 2018 (3141 days)
On Atalaya since13 May 2026
Last updated31 Aug 2026

compare_arrowsZone comparables

Top 5 similar properties in Cartagena by AI score

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