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Apartment in Málaga

Calle Del Concejal Eduardo Heredia, 4, 1º Derecha, Ciudad Jardín

Herrera Oria, Málaga • Auction • Ref: #0F18798E

€208,728
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Size

95 m²

Rooms

4

OccupancyUnconfirmed
75
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

Description

URBANA. Vivienda primero derecha, situada en la planta primera de la Casa número cuatro de la calle del Concejal Eduardo Heredia, en la Ciudad Jardín, Urbanización Obispo Herrera 0 ria, término municipal de Málaga, con entrada por la escalera común. Tiene una superficie total construída de noventa y cuatro metros, setenta y nueve decímetros cuadrados. Se halla compartimentada en vestíbulo, estar-comedor, cuatro dormitorios, cocina, cuarto de aseo, pasillo y lavadero. Linda: al frente, con meseta de escalera, caja de escalera y calle del Concejal Eduardo Herediaz derecha entrando, meseta de escalera, caja de escalera y vivienda izquierda de su misma planta de la que está separada por pared medianera; lzquierda, con espacio libre de uso públicos y Fondo, con la calle del Alcalde Peña Radríguez. Cuota: diez enteros por ciento.- Es el departamento número TRES del régimen de propiedad horizontal.

Legal & cadastral analysis

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Legal analysis (AI)

Ocupacióndesconocido
Cargas (€)€0
Detalle cargasLa ejecución corresponde a la hipoteca unilateral de BBVA (inscripción 9ª). No constan cargas anteriores subsistentes excepto afección fiscal caducada.
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgolow
Litigioshipoteca, embargo, anotacion_preventiva, afeccion_fiscal
Análisis riesgoSe ejecuta la hipoteca en primer rango registral, quedando canceladas las cargas posteriores como el embargo de FGA Capital. La situación posesoria se desconoce pero no consta como vivienda habitual.

Cadastral data

Unverified

Cadastral reference located automatically from the coordinates; not verified against the official Catastro. Confirm it before acting.

Cadastral ref.
2972301UF7627S

How to bid in this auction (BOE)

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  1. 1Read the full terms on subastas.boe.es: auction value, minimum bid, increments and surviving charges.
  2. 2Request a nota simple and study prior charges — auctions do NOT wipe them all; charges prior to the annotation survive.
  3. 3Deposit the required amount (usually 5% of the auction value) through the BOE platform to be able to bid.
  4. 4Bid within the window (usually 20 calendar days). If you win, you must pay the remainder within a short deadline — effectively a cash operation.
  5. 5After the award: decree, registration and, if occupied, the possession process. Think months, not weeks.

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

Auctions are effectively cash operations: you must deposit to bid and pay the remainder shortly after the award. Don't count on a traditional mortgage within those deadlines.

General informative content, not legal or investment advice. Verify every point with your advisor before committing.

Alpha Rating

ANALYZE

75/100

Confidence: Medium

Score breakdown

Zone delta
25/30
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
15/15
Zone liquidity
9/15
BOE bonus
3/6

Subasta BOE en Málaga a 208,728€. Sin tasación de referencia publicada. Posesión desconocida. Subasta cierra en 15 días.

Strengths

  • +Descuento del -43.9% frente a la mediana zonal (3923€/m²)
  • +Subasta inminente: cierre en 15 días, ventana de decisión limitada (presión vendedora)
  • +Cargas en posición preferente: hipoteca primaria, sin cargas senior ocultas
  • +Cargas legales acotadas o inexistentes

Risks

  • −Sin tasación judicial publicada: descuento sobre mercado no verificable

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

Herrera Oria, Málaga, 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

-44.0%Strong opportunity
Scope
Municipality
Zone median
€3,934 /m²
This asset
€2,202 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€208,728
Transfer tax (ITP) 7% — Andalucía€14,611
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€731
Estimated total investment€225,070

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.

gavelAuction property

Ends: 15 October 2026 at 16:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (14 days)
On Atalaya since25 Sept 2026
Last updated25 Sept 2026

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Aggregated data from public sources and servicer BOE - Portal de Subastas. 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