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Sin Filtros For Sale In C Padre Navedo 14 Cartama Málaga

Cartama, Malaga • Apartment • Ref: #2D3F13EE

€240,000
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Size

196 m²

Price / m²

€1,224

Rooms

4

OccupancyUnconfirmed
24
Sin Filtros For Sale In C Padre Navedo 14 Cartama Málaga — Cartama
Photo: Servihabitat
1 / 13

AI visual analysis

Automated analysis · physical condition

13 of 13 photos analyzed

Physical condition

Needs renovation

Photo quality

Good

Model observations

  • •Cocina: La cocina está equipada con electrodomésticos y armarios, pero el suelo y los azulejos son antiguos.
  • •Dormitorio: Las paredes del dormitorio presentan grietas y desconchones, y el techo está sucio.
  • •Baño: El baño tiene azulejos antiguos y un plato de ducha básico, con un aspecto general descuidado.
  • •Fachada: La fachada exterior de la propiedad parece estar en buen estado general, con azulejos en la parte inferior.

descriptionDescription

C. Padre Navedo, 14. Estado: second-hand. Extras: terrace, garage

Characteristics

Bathrooms

2

Terrace

Yes

Parking

No

Year built

1998

Pool

No

Storage room

No

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.
4441212UF5644S
Cadastral area
196 m²
Year built
1998
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.

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

24/100

Confidence: Low

Score breakdown

Zone delta
4/30
Possession
Not assessable
—
Physical state
7/25
Legal liens
7/15
Zone liquidity
2/15

Vivienda de 196.00m² en Cartama a 1224€/m² (mediana zona 4121€/m², delta -70.3%). Requiere Reforma Integral. Posesión desconocida. Zona muy_baja, inventario reciente (0 días).

trending_upStrengths

  • +Descuento del -70.3% frente a la mediana zonal (4121€/m²)

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

Cartama, Malaga

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

-70.3%Strong opportunity
Scope
Province (MITMA)
Zone median
€4,121 /m²
This asset
€1,224 /m²
Samples
1000
Period
abril 2026
Source
idealista-press

account_balancevs other bank assets

-57.6%Strong opportunity
Scope
Province (MITMA)
Zone median
€2,888 /m²
This asset
€1,224 /m²
Samples
271
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€240,000
Transfer tax (ITP) 7% — Andalucía€16,800
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€840
Estimated total investment€258,640

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

SourceServihabitat
On Atalaya since30 Aug 2026
Last updated31 Aug 2026

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Aggregated data from public sources and servicer Servihabitat. 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