AtalayaAtalaya

Joan Carles i

Montferrant, Blanes, Girona • Retail • Ref: #315FE74C

€42,000
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Size

78 m²

Price / m²

€538

OccupancyVacant
69
Joan Carles i — Montferrant, Blanes
Photo: Solvia
1 / 3

AI visual analysis

Automated analysis · physical condition

3 of 3 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Exterior: La fachada del local comercial presenta una persiana metálica cerrada y un cartel de "VADO PERMANENTE", indicando un uso comercial o de garaje.
  • •Interior: El interior del local se encuentra en obra, con paredes de ladrillo visto y hormigón, y tuberías expuestas en el techo.
  • •Pasillo: Se observa un pasillo oscuro y estrecho con paredes de ladrillo y hormigón, y el suelo de cemento sin acabar.
  • •Garaje: Una de las fotos muestra el interior de lo que parece ser un garaje o almacén, con una furgoneta visible al fondo a través de una persiana metálica.

descriptionDescription

Local comercial en la población de Blanes, provincia de Gerona. Tiene una superficie de 69,38 m². Está situado en el barrio de Montferrant, por lo que tiene a su alcance todo tipo de negocios y servicios de todo tipo. Local polivalente, apto para diferentes tipos de usos. Bien comunicado, cercano a la carretera de acceso al municipio.

Characteristics

Elevator

No

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

gavelLegal & cadastral analysis

expand_more

assignmentCadastral datahelpUnverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

Cadastral ref.
2748101DG8124N

routeHow 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 919 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

69/100

Confidence: High

Score breakdown

Zone delta
Not assessable
—
Possession
20/20
Retail location
Not assessable
—
Legal liens
10/15
Zone liquidity
11/15

Local comercial planta unknown de 78.00m² en Blanes a 538€/m² (mediana zona 430€/m², delta %). libre. Zona baja, 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 15 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

  • +El banco confirma posesión legal: vivienda libre para entregar

warningRisks

  • −918 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

Montferrant, Blanes, Girona

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

+25.1%Above anchor
Scope
City
Zone median
€430 /m²
This asset
€538 /m²
Samples
15
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€42,000
Transfer tax (ITP) 10% — Cataluña€4,200
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€300
Estimated total investment€47,500

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

SourceSolvia
On the market sinceFeb 2024 (919 days)
On Atalaya since9 May 2026
Last updated31 Aug 2026

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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