AtalayaAtalaya

Chalet Adosado en Estepona (málaga)

Estepona, Málaga • House • Ref: #60A33F93

€650,000
open_in_newView original listing

Get new bank-owned properties in Estepona under your budget by email. Free.

Size

120 m²

Price / m²

€5,427

Rooms

3

OccupancyUnconfirmed
36
Chalet Adosado en Estepona (málaga) — Estepona
Photo: Urbaniza (Caja Rural)

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: La pintura de la fachada muestra signos de desgaste y desconchados en la parte inferior.
  • •Exterior: Las escaleras de acceso a la vivienda presentan azulejos en buen estado, pero la zona de la fachada necesita mantenimiento.
  • •Exterior: Las ventanas y persianas parecen estar en buen estado general.

descriptionDescription

Bank-owned property managed by Urbaniza (Caja Rural) (Banco Cooperativo Español).

Characteristics

Bathrooms

2

Storage room

Yes

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.

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

AVOID

36/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
Not assessable
—
Physical state
14/25
Legal liens
7/15
Zone liquidity
Not assessable
—

Vivienda de 119.77m² en Estepona a 5427€/m² (mediana zona 5663€/m², delta -4.2%). Estado Mejorable. Posesión desconocida. Zona baja, inventario reciente (26 días).

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

Estepona, Málaga
map

Coordinates unavailable

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

-4.2%In line
Scope
Municipality
Zone median
€5,663 /m²
This asset
€5,427 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+80.1%Above anchor
Scope
City
Zone median
€3,013 /m²
This asset
€5,427 /m²
Samples
39
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€650,000
Transfer tax (ITP) 7% — Andalucía€45,500
Notary (est.)€975
Land Registry (est.)€650
Admin agency (est.)€2,275
Estimated total investment€699,400
Estimated refurbishment (state: mejorable)€48,000 – €84,000

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.
29 Aug 2026
€750,000arrow_forward€650,000-13.33%

Listing intel

SourceCaja Rural
On Atalaya since4 Aug 2026
Last updated31 Aug 2026

compare_arrowsZone comparables

Top 5 similar properties in Estepona by AI score

Casa en Venta en Cmno Sierra de Gredos, 1
73

Casa en Venta en Cmno Sierra de Gredos, 1

€240,000

€2,243/m² · 107 m²

View analysisarrow_forward
Casa en Maria Teresa Leon
73

Casa en Maria Teresa Leon

€263,000

€2,955/m² · 89 m²

View analysisarrow_forward
Casa en Maria Teresa Leon
73

Casa en Maria Teresa Leon

€262,000

€3,011/m² · 87 m²

View analysisarrow_forward
Casa en Maria Teresa Leon
73

Casa en Maria Teresa Leon

€288,000

€3,236/m² · 89 m²

View analysisarrow_forward
Cm de Cortés
73

Cm de Cortés

€310,000

€2,313/m² · 134.04 m²

View analysisarrow_forward

Aggregated data from public sources and servicer Urbaniza (Caja Rural). 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