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AtalayaAtalaya

Calle Amores

San Miguel, MálagaApartmentRef: #D1009736

€275,000
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Size

66 m²

Price / m²

€4,155

Rooms

1

OccupancyVacant
59
Calle Amores — San Miguel, Málaga
Photo: Solvia
1 / 18

AI visual analysis

Automated analysis · physical condition

18 of 18 photos analyzed

Physical condition

Good

Photo quality

Good

descriptionDescription

Piso de 66 m² de 1 dormitorio, ubicado en Málaga. Construido en 2006, este piso tiene una superficie de 66 m² y se distribuye en salón-comedor con cocina abierta, equipada con horno, vitrocerámica y campana extractora, 1 dormitorio y 1 baño. La vivienda está bien comunicada, con paradas de autobús a pocos metros con las líneas 1, 37 y C1, a 15 minutos de la estación del tren y por carretera mediante el acceso viario N-340 a pocos minutos. La zona dispone de variado equipamiento, centro de salud, centro comercial, oficina bancaria, oficina de correos, colegio, restaurantes, etc. [Aviso legal] El Inmueble se encuentra inacabado, constando en el registro de la propiedad como en construcción. Se recomienda que el adquirente obtenga asesoramiento profesional antes de adoptar la decisión de compra. El Inmueble se transmitirá (I) como cuerpo cierto y a tanto alzado (II) como un todo, inseparable (III) en el estado registral y catastral en el que se encuentre (IV) en el estado físico, calidades, jurídico, urbanístico, administrativo, de licencias, de protección, de conservación y limpieza en el que se encuentre (V) al corriente de Gastos e Impuestos que por Ley corresponda al Vendedor y (VI) sin dotación de servicios y suministros. El Adquirente asumirá (I) la situación física y estado de conservación (II) la situación urbanística (III) las discrepancias entre la realidad física y la realidad registral y catastral o en la cabida del Inmueble (IV) la adecuación registral y catastral del Inmueble. (V) los documentos que sean necesarios para proceder, en su caso, a la inscripción del Inmueble en el Registro de la Propiedad como Inmueble terminado, como pueden ser, CFO, Licencia Ocupación/Habitabilidad, Acta Notarial, etc. La Propiedad no responderá de/l (I) estado de conservación (II) los vicios vistos y aparentes (III) la regularización registral o catastral (IV) las discrepancias de cabida, que pudieran existir (V) cualesquiera costes, gastos, honorarios, aranceles o tributos que se deriven de lo anterior. El precio de venta de este Inmueble se ha determinado en base a las anteriores circunstancias, que han supuesto un menor valor del mismo, y que deberán ser expresamente aceptadas por el adquirente en la formalización de la transmisión del Inmueble.

Characteristics

Bathrooms

1

Elevator

Yes

Year built

2006

Pool

No

Air conditioning

No

Heating

No

Garden

No

Energy rating

E

gavelLegal & cadastral analysis

expand_more

assignmentCadastral data

straightenUnreconciled surface: the listing states 66.19 m² but the cadastre records 59 m² (-11%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
3462107UF7636S0003ZT
Cadastral area
59 m²
Year built
2006
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

59/100

Confidence: High

Score breakdown

Zone delta
4/30
Possession
20/20
Physical state
20/25
Legal liens
10/15
Zone liquidity
8/15

Vivienda de 66.19m² en Málaga a 4155€/m² (mediana zona 4262€/m², delta -2.5%). Buen Estado. Posesión libre. Zona baja, 264 días en mercado.

trending_upStrengths

  • +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

San Miguel, 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

-2.5%In line
Scope
District
Zone median
€4,262 /m²
This asset
€4,155 /m²
Period
abril 2026
Source
Idealista

account_balancevs other bank assets

+28.6%Above anchor
Scope
Postal code
Zone median
€3,230 /m²
This asset
€4,155 /m²
Samples
28
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€275,000
Transfer tax (ITP) 7% — Andalucía€19,250
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€963
Estimated total investment€296,213

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.
13 Jun 2026
€278,000arrow_forward€275,000-1.08%

Listing intel

SourceSolvia
On the market sinceDec 2025 (265 days)
On Atalaya since12 May 2026
Last updated31 Aug 2026

compare_arrowsZone comparables

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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