AtalayaAtalaya

Avenida Villa de Madrid

Vélez-málaga, Málaga • Apartment • Ref: #71148DD9

€246,000
open_in_newView original listing

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

Size

73 m²

Price / m²

€3,359

Rooms

2

OccupancyVacant
46
Avenida Villa de Madrid — Vélez-málaga
Photo: Solvia
1 / 14

AI visual analysis

Automated analysis · physical condition

14 of 14 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Salon: Las paredes están recién pintadas de blanco, pero el suelo de terrazo es antiguo y las puertas de madera tienen un estilo dated.
  • •Cocina: La pared de la cocina presenta agujeros y cables expuestos, lo que indica que necesita una reforma.
  • •Exterior: La fachada del edificio se ve en buen estado general, con balcones y toldos.

descriptionDescription

Piso de 73 m² ubicado en Vélez-Málaga, Málaga. Se trata de un piso de 73 m² distribuidos en salón-comedor, cocina, 2 dormitorios y 1 baño. Se sitúa en el núcleo urbano, con excelentes accesos a través de la A-7 y la N-340, y con conexión a la MA-3114 que conduce hacia Torre del Mar y las localidades de la comarca la zona dispone de servicio de autobuses urbanos e interurbanos desde la estación de autobuses de Vélez-Málaga, con frecuencia hacia Málaga capital, Nerja, Rincón de la Victoria y otros destinos de la Axarquía, complementada por paradas de líneas urbanas que circulan por toda la ciudad. En este entorno se concentran servicios como supermercados, restaurantes, instalaciones deportivas municipales, centros educativos de enseñanza infantil, primaria y secundaria, oficinas bancarias y comercios de proximidad además se encuentra próximo el Hospital Comarcal de la Axarquía, el centro de salud del casco urbano y el puerto de Caleta de Vélez. Para el ocio y la cultura están el Museo de Vélez-Málaga (Palacio de Beniel) y las playas de Vélez-Málaga, así como espacios verdes de recreo, centros de servicios municipales y puntos de interés asociados al patrimonio histórico de la localidad. Con nuestros servicios podrá encontrar el piso que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

1

Elevator

No

Year built

2004

Pool

No

Air conditioning

No

Heating

No

Garden

No

Energy rating

F

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 73.23 m² but the cadastre records 106 m² (+45%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
1798203VF0619N0026XO
Cadastral area
106 m²
Year built
2004
Cadastral use
Residential

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 251 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

ANALYZE

46/100

Confidence: High

Score breakdown

Zone delta
0/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
4/15

Vivienda de 73.23m² en Vélez-málaga a 3359€/m² (mediana zona 2705€/m², delta +24.2%). Estado Mejorable. Posesión libre. Zona muy_baja, 249 días en mercado.

trending_upStrengths

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

warningRisks

  • −Precio +24.2% por encima de mediana zonal

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

Vélez-málaga, 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%Above anchor
Scope
Municipality
Zone median
€2,705 /m²
This asset
€3,359 /m²
Period
mayo 2026
Source
Idealista

account_balancevs other bank assets

+130.4%Above anchor
Scope
Postal code
Zone median
€1,458 /m²
This asset
€3,359 /m²
Samples
6
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€246,000
Transfer tax (ITP) 7% — Andalucía€17,220
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€861
Estimated total investment€265,081
Estimated refurbishment (state: mejorable)€29,500 – €51,500

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 sinceDec 2025 (251 days)
On Atalaya since31 Aug 2026
Last updated31 Aug 2026

compare_arrowsZone comparables

Top 5 similar properties in Vélez-málaga by AI score

Calle La Campiñuela
58

Calle La Campiñuela

€154,000

€1,298/m² · 118.64 m²

View analysisarrow_forward
Avenida De las Naciones
50

Avenida De las Naciones

€233,800

€2,692/m² · 86.84 m²

View analysisarrow_forward
Piso en las Pitas
42

Piso en las Pitas

€245,000

€2,552/m² · 96 m²

View analysisarrow_forward
Calle Viernes Santo
38

Calle Viernes Santo

€77,000

€700/m² · 110 m²

View analysisarrow_forward

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