AtalayaAtalaya

Plaza De las Delicias

Distrito Carretera de Cádiz, Estepona, Málaga • Apartment • Ref: #15EA9E95

€299,000-24% vs area market
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Size

70 m²

Price / m²

€4,291

Rooms

3

OccupancyVacant
70
Plaza De las Delicias — Distrito Carretera de Cádiz, Estepona
Photo: Solvia
1 / 18

AI visual analysis

Automated analysis · physical condition

18 of 18 photos analyzed

Physical condition

Good

Photo quality

Good

descriptionDescription

Piso situado en Estepona, Sevilla. La vivienda pertenece a un edificio residencial construido en 1968, cuenta con 70 m² de superficie, y se distribuye de la siguiente manera: salón-comedor, cocina independiente amueblada con galería, equipada con campana extractora de humos, horno y vitrocerámica, 3 dormitorios y 1 cuarto de baño. Algunas de las estancias cuentan con armarios empotrados. Siempre es una inversión rentable, el inmueble en alquiler está localizado en el casco urbano de la ciudad, en segunda línea de playa, concretamente de la Rada. Además, se encuentra a pocos minutos del puerto marítimo y deportivo, y del ayuntamiento de Estepona. La zona está dotada con disponibilidad de servicios, entre ellos, cafeterías, supermercados, centro de enseñanza, administraciones públicas, parada de autobús, y otros establecimientos comerciales. Está ubicada a pocos metros andando del paseo marítimo, y en cuanto a las conexiones por carretera, comunica con la autopista AP-7 en menos de 3 km.

Characteristics

Bathrooms

1

Elevator

No

Year built

1968

Pool

No

Air conditioning

No

Heating

No

Garden

No

Energy rating

E

gavelLegal & cadastral analysis

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assignmentCadastral data

straightenUnreconciled surface: the listing states 69.68 m² but the cadastre records 86 m² (+23%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
7229503UF0372N0018XL
Cadastral area
86 m²
Year built
1968
Cadastral use
Residential

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 265 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

70/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
20/20
Physical state
20/25
Legal liens
10/15
Zone liquidity
4/15

Vivienda de 69.68m² en Estepona a 4291€/m² (mediana zona 5663€/m², delta -24.2%). Buen Estado. Posesión libre. Zona baja, 264 días en mercado.

trending_upStrengths

  • +Descuento del -24.2% frente a la mediana zonal (5663€/m²)
  • +Estado habitable sin reforma inmediata
  • +El banco confirma posesión legal: vivienda libre para entregar

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

Distrito Carretera de Cádiz, Estepona, Málaga

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.

publicvs free market

-24.2%Good price
Scope
Municipality
Zone median
€5,663 /m²
This asset
€4,291 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+66.6%Above anchor
Scope
Postal code
Zone median
€2,575 /m²
This asset
€4,291 /m²
Samples
11
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€299,000
Transfer tax (ITP) 7% — Andalucía€20,930
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€1,047
Estimated total investment€321,977

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 sinceDec 2025 (265 days)
On Atalaya since11 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