AtalayaAtalaya

Apartment in Estepona

Estepona, Málaga • Auction • Ref: #2D7D13FF

€328,986
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Size

86 m²

OccupancyUnconfirmed
43
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

Description

Finca registral 45456

Legal & cadastral analysis

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Legal analysis (AI)

Ocupacióndesconocido
Cargas (€)€236,000
Detalle cargasHIPOTECA: Inscripción 12ª por 190700 EUR de capital, 15446.70 EUR de intereses ordinarios, 57496.05 EUR de intereses de demora, 63566.67 EUR para costas y gastos, y 1776.51 EUR para primas de seguro. HIPOTECA: Inscripción 13ª por 45300 EUR de capital, 5254.80 EUR de intereses ordinarios, 16036.20 EUR de intereses de demora, 15100 EUR para costas y gastos, y 1001.79 EUR para primas de seguro.
Hipoteca€236,000
Fase judicialejecucion
Nivel de riesgomedium
Litigioshipoteca
Análisis riesgoLa propiedad tiene una hipoteca activa como carga principal. La fase judicial es de ejecución, lo que implica un riesgo moderado.

Cadastral data

Unverified

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

straightenUnreconciled surface: the listing states 85.67 m² but the cadastre records 5647 m² (+6492%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
8341601UF0384S
Cadastral area
5647 m²
Year built
1975
Cadastral use
Cultural

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

43/100

Confidence: Medium

Score breakdown

Zone delta
13/30
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
6/15
Zone liquidity
5/15
BOE bonus
3/6

Subasta BOE en Estepona a 328,986€. Sin tasación de referencia publicada. Posesión desconocida. Subasta cierra en 18 días.

Strengths

  • +Subasta inminente: cierre en 18 días, ventana de decisión limitada (presión vendedora)
  • +Cargas en posición preferente: hipoteca primaria, sin cargas senior ocultas

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.

location_on

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

-17.2%Good price
Scope
Municipality
Zone median
€4,636 /m²
This asset
€3,840 /m²
Period
septiembre 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€328,986
Transfer tax (ITP) 7% — Andalucía€23,029
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€1,151
Estimated total investment€354,166

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: 13 October 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (2 days)
On Atalaya since23 Sept 2026
Last updated23 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