AtalayaAtalaya

Pablo Iglesias

Zubia (la), Granada • Retail • Ref: #BC694CEF

€298,000
open_in_newView original listing

Get new bank-owned properties in Zubia (la) under your budget by email. Free.

Size

600 m²

Price / m²

€496

OccupancyVacant
65
Pablo Iglesias — Zubia (la)
Photo: Solvia
1 / 22

AI visual analysis

Automated analysis · physical condition

22 of 22 photos analyzed

Physical condition

Analysis pending

Photo quality

Good

descriptionDescription

Local comercial en planta baja de un edificio, ubicado en el municipio de la Zubia, en la provincia de Granada; y el cual se encuentra dentro del área metropolitana de la propia ciudad de Granada, en la parte sureste, contando con buenas comunicaciones con la capital a través de carretera local y la Ronda Sur, A-395. Es una población que cuenta con suficientes dotaciones, no obstante, estas pueden complementarse con las existentes en la capital. El entorno es residencial de nivel socio-económico medio, consolidado por bloques de pisos de múltiples antigüedades y con pocas oportunidades de estacionamiento en superficie.

Characteristics

Elevator

No

Pool

No

Air conditioning

No

Heating

No

Garden

Yes

Energy rating

C

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.
8488001VG4088G

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 854 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

65/100

Confidence: High

Score breakdown

Zone delta
13/30
Possession
20/20
Retail location
20/25
Legal liens
10/15
Zone liquidity
3/15

Local comercial planta calle de 600.30m² en Zubia (la) a 496€/m² (mediana zona 554€/m², delta -10.5%). libre. Zona muy_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 45 listings bancarios del mismo province — 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

  • −853 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

Zubia (la), Granada

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

-13.0%Good price
Scope
Province (MITMA)
Zone median
€570 /m²
This asset
€496 /m²
Samples
46
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€298,000
Transfer tax (ITP) 7% — Andalucía€20,860
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€1,043
Estimated total investment€320,903

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 sinceApr 2024 (854 days)
On Atalaya since9 May 2026
Last updated31 Aug 2026

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