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Apartment in Estepona

Calle Félix Rodríguez de la Fuente-, s/n

Estepona, Málaga • Ref: #06CC07B4

€292,000-39% vs area market
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Size

104 m²

Price / m²

€2,807

Rooms

3

OccupancyVacant
66
Calle Félix Rodríguez de la Fuente-, s/n — Estepona
Photo: aliseda
1 / 19

AI visual analysis

Automated analysis · physical condition

19 of 19 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Fachada: edificio plurifamiliar en estado aceptable de conservacion con carpinterias exteriores estandar.
  • •Salon: estancia amplia con suelo de terrazo antiguo y paredes que precisan actualizacion y pintura general.
  • •Cocina: visible parcialmente al fondo, con alicatado y mobiliario de madera de estilo envejecido.
  • •Terraza: cerramiento de aluminio hacia zona exterior o balcon con alicatado ceramico clasico en paredes.

Description

Vivienda ubicada en Estepona, Málaga, ideal para familias. Con una superficie de 104 m² construidos distribuidos en 3 habitaciones y 1 baño. Se encuentra cerca del centro de Estepona. En sus alrededores encontramos la Escuela Municipal de Adultos, el Colegio de Educación Primaria Víctor de la Serna y el Colegio Público Simón Fernández. El entorno ofrece colegios, transporte público y supermercados cercanos, proporcionando una vida cómoda y bien comunicada. Se trata de un entorno consolidado, con comercios de proximidad, mercados, cafeterías y restaurantes a pocos minutos. La zona dispone de plazas y espacios verdes, además de centros de salud, farmacias e instalaciones deportivas y culturales. Las paradas de autobús y las conexiones de transporte público permiten desplazarse con comodidad por el municipio y su área de influencia. Cuenta con fácil acceso a A-7, AP-7 y Avenida Andalucía. En definitiva, un entorno bien dotado de servicios y con buenas comunicaciones.

Characteristics

Bathrooms

1

Floor

3

Elevator

No

Terrace

No

Parking

No

Year built

1980

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

En tr

Legal & cadastral analysis

expand_more

Cadastral data

Cadastral ref.
7539202UF0373N0013UI
Cadastral area
104 m²
Year built
1980
Cadastral use
Residential

How 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.

Minimum 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).

Debts 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.

Financing

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

66/100

Confidence: High

Score breakdown

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

Vivienda de 104.00m² en Estepona a 2807€/m² (mediana zona 4636€/m², delta -39.5%). Estado Mejorable. Posesión libre. Zona baja, 93 días en mercado.

Strengths

  • +Descuento del -39.5% frente a la mediana zonal (4636€/m²)
  • +Aliseda no marca situación especial: presuponer vivienda libre

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.

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Location

Estepona, Málaga

Price 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

-39.5%Strong opportunity
Scope
Municipality
Zone median
€4,643 /m²
This asset
€2,807 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

+0.4%In line
Scope
Postal code
Zone median
€2,797 /m²
This asset
€2,807 /m²
Samples
6
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€292,000
Transfer tax (ITP) 7% — Andalucía€20,440
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€1,022
Estimated total investment€314,462
Estimated refurbishment (state: mejorable)€41,500 – €73,000

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.
13 Sept 2026
€335,800arrow_forward€292,000-13.04%

Listing intel

SourceAliseda
On the market sinceJun 2026 (103 days)
On Atalaya since14 Jul 2026
Last updated9 Oct 2026

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Aggregated data from public sources and servicer aliseda. 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