AtalayaAtalaya

Duplex in Marbella

Urbanización Residencial Zafiro

Arroyo de la Miel, Marbella, Málaga • Ref: #20C73C08

€350,000-12% vs area market
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Size

69 m²

Price / m²

€5,072

Rooms

1

OccupancyVacant
60
Urbanización Residencial Zafiro — Arroyo de la Miel, Marbella
Photo: Solvia
1 / 25

AI visual analysis

Automated analysis · physical condition

25 of 25 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Salon: Espacio diafano con chimenea rustica, escalera interior de marmol y suelos en buen estado general.
  • •Cocina: Abierta tipo americana, equipada con horno, campana y placa vitroceramica en estado funcional.
  • •Exterior: Patio frontal y fachada encalada de estilo mediterraneo con soleria de barro que requiere limpieza de vegetacion.
  • •Fachada: Rejas de seguridad y cerramientos exteriores en condiciones operativas.

Description

Vivienda tipo dúplex de 1 dormitorio en Marbella, Málaga. La vivienda cuenta con 69 m² y se componen de salón-comedor, cocina abierta amueblada y equipada con horno, placa vitrocerámica y extractor de humos, 1 dormitorio, con armario empotrado y 2 baños. Dispone de una amplia terraza de 32 m². Plaza de garaje incluida. Con ubicación privilegiada a 15 minutos de la playa de Cabopino, siempre es una inversión rentable, esta vivienda se localiza en una zona residencial con todo tipo de servicios cercanos como comercios, restaurantes, centros educativos, etc. Además, este residencial tiene conexión por transporte privado con fácil acceso a la A-7 que comunican con Marbella capital en menos de 10 minutos. Está ubicada en una urbanización privada, con zonas ajardinadas y piscina comunitaria. A pocos minutos del campo de golf Cabopino. Con nuestros servicios podrá encontrar el activo 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

2

Elevator

No

Year built

1990

Pool

Yes

Air conditioning

No

Heating

No

Garden

No

Energy rating

E

Legal & cadastral analysis

expand_more

Cadastral data

straightenUnreconciled surface: the listing states 69 m² but the cadastre records 85 m² (+23%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
3507104UF4430N0018BX
Cadastral area
85 m²
Year built
1990
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.

handshakeThis asset has been listed for 309 days. In bank stock, high age usually means real negotiation margin: offers 10-20% below asking get considered.

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

60/100

Confidence: High

Score breakdown

Zone delta
13/30
Possession
20/20
Physical state
20/25
Legal liens
10/15
Zone liquidity
0/15

Vivienda de 69.00m² en Marbella a 5072€/m² (mediana zona 5764€/m², delta -12.0%). Buen Estado. Posesión libre. Zona baja, 299 días en mercado.

Strengths

  • +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

Arroyo de la Miel, Marbella, 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

-12.0%Good price
Scope
Municipality
Zone median
€5,765 /m²
This asset
€5,072 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

+28.3%Above anchor
Scope
Postal code
Zone median
€3,954 /m²
This asset
€5,072 /m²
Samples
20
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€350,000
Transfer tax (ITP) 7% — Andalucía€24,500
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€1,225
Estimated total investment€376,725

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 (309 days)
On Atalaya since13 May 2026
Last updated9 Oct 2026

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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