Piso en Málaga

Málaga • Apartment • Ref: #2A74B1E7

€375,000

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Size

80 m²

Price / m²

€4,664

Rooms

OccupancyUnconfirmed

Photo: Escogecasa

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AI visual analysis

Automated analysis · physical condition

19 of 19 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

•Salon: Las paredes presentan manchas y desconchones, y faltan algunos enchufes.
•Cocina: Los muebles de cocina son antiguos y faltan electrodomésticos, además de tener un aspecto descuidado.
•Exterior: La piscina parece estar en buen estado, pero la zona de césped alrededor necesita mantenimiento.
•General: La propiedad necesita una actualización general de acabados y pintura.

descriptionDescription

Piso en la costa proximo a la playa, de 70m2 útiles aproximadamente. Ubicado en la Urbanización Guadalmar, con piscina comunitaria y zonas verdes. En edificio residencial con ascensor. Distribución: vestibulo, salón-comedor con acceso a terraza descubierta, cocina independiente con zona de lavadero, distribuidor, tres dormitorios y cuarto de baño. Año de construcción 1.996. En el precio se incluye plaza de garaje exterior de 12,5 m2 útiles. A 15min en coche del centro de Malaga y 5km del aeropuerto.

Characteristics

Bathrooms

Elevator

Yes

Terrace

Parking

Yes

Year built

1996

Pool

Air conditioning

Heating

Storage room

Garden

gavelLegal & cadastral analysis

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assignmentCadastral datahelpUnverified

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

Cadastral ref.

9890502UF6599S

routeHow to buy this asset from the bank

expand_more

1Contact the servicer from the official listing (or from Atalaya) and ask for availability and a viewing.
2Visit the property and verify real condition, possession and access. Ask for the habitability certificate and the energy certificate.
3Request a nota simple from the Land Registry (~€10) and the community-debt certificate.
4Submit your offer in writing. Servicers take it to committee: expect days to weeks. Offering below asking is standard practice.
5Once accepted: deposit contract (require 'free of occupants and belongings'), financing and deed before a notary.

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

AVOID

25/100

Confidence: Low

Score breakdown

Zone delta: 0/30
Possession: —
Physical state: 14/25
Legal liens: 7/15
Zone liquidity: 0/15

Vivienda de 80.40m² en Málaga a 4664€/m² (mediana zona 3923€/m², delta +18.9%). Estado Mejorable. Posesión desconocida. Zona media, 136 días en mercado.

warningRisks

−Precio +18.9% 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

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

+18.9%Above anchor

Scope: Municipality
Zone median: €3,923 /m²
This asset: €4,664 /m²
Period: septiembre 2026
Source: Idealista

account_balancevs other bank assets

+77.3%Above anchor

Scope: Postal code
Zone median: €2,631 /m²
This asset: €4,664 /m²
Samples: 5
Source: Atalaya (bank inventory)

Estimated acquisition costs

Asset price€375,000

Transfer tax (ITP) 7% — Andalucía€26,250

Notary (est.)€600

Land Registry (est.)€400

Admin agency (est.)€1,313

Estimated total investment€403,563

Estimated refurbishment (state: mejorable)€32,000 – €56,500

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

SourceEscogecasa

On Atalaya since9 May 2026

Last updated23 Sept 2026

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Aggregated data from public sources and servicer Escogecasa. 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