AtalayaAtalaya

Retail in Úbeda

Úbeda, Jaén • Ref: #D6EAF1E3

€313,100
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Size

356 m²

Price / m²

€879

OccupancyUnconfirmed
29
Retail in Úbeda — Úbeda
Photo: Escogecasa
1 / 9

AI visual analysis

Automated analysis · physical condition

9 of 9 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Fachada: El edificio presenta un buen estado general, con toldos y balcones en buen estado.
  • •Exterior: La planta baja del edificio, que parece ser un local comercial, se ve en buen estado y limpia.
  • •Interior: El interior del local comercial se muestra limpio y con acabados modernos, como el falso techo y el suelo de baldosas.
  • •Bano: El baño está alicatado y parece funcional, aunque con un estilo algo anticuado.

Description

Local comercial en esquina de 356 m2, situado en la planta baja y planta sótano de un edificio de viviendas, con acceso directo a pie de calle, acondicionado como oficina bancaria y distribuido en planta baja (292 m2) con zona diáfana para atención al público, un despacho y un almacén (en bruto) planta sótano (64 m2) a la que se accede mediante escaleras interiores, distribuida en tres cuartos para archivo y dos aseos. Fachada principal: 11,62 m2. Fachada secundaria: 23,95 m2. Fondo: 23,95 m. Altura libre: 3 m.

Characteristics

Elevator

No

Terrace

No

Parking

No

Year built

1980

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

C

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

AVOID

29/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Retail location
6/25
Legal liens
7/15
Zone liquidity
2/15

Local comercial planta sotano, en esquina de 356.00m² en Úbeda a 879€/m² (mediana zona 619€/m², delta %). desconocida. Zona muy_baja, inventario reciente (8 días).

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 66 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

Úbeda, Jaén

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

+42.0%Above anchor
Scope
Province (MITMA)
Zone median
€619 /m²
This asset
€879 /m²
Samples
66
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€313,100
Transfer tax (ITP) 7% — Andalucía€21,917
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€1,096
Estimated total investment€337,113

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

SourceEscogecasa
On Atalaya since16 Sept 2026
Last updated25 Sept 2026

Zone comparables

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View analysis

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