AtalayaAtalaya

Apartment in Torremolinos

Torremolinos, Málaga • Ref: #4409A699

€295,000
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Rooms

1

OccupancyVacant
69
Apartment in Torremolinos — Torremolinos
Photo: Solvia
1 / 11

AI visual analysis

Automated analysis · physical condition

11 of 11 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Fachada: edificio tradicional con balcones y toldos que presenta un estado de conservacion aceptable sin danos estructurales visibles.
  • •Salon: estancias interiores recien pintadas en blanco con suelos de marmol pulidos y carpinteria exterior de aluminio en buen estado.
  • •Cocina: visible parcialmente a traves de pasaplatos, con muebles modulares de madera aparentemente funcionales y bien conservados.
  • •Dormitorio: estancia vacia y limpia con suelos continuos de marmol y puerta de madera maciza en buen estado.

Description

Bank-owned property managed by Solvia (CaixaBank, S.A.).

Characteristics

Bathrooms

1

Floor

2

Elevator

No

Terrace

No

Parking

No

Year built

2004

Pool

Yes

Air conditioning

No

Heating

Yes

Storage room

No

Garden

Yes

Energy rating

D

Legal & cadastral analysis

expand_more

Cadastral data

Cadastral ref.
6342637UF6564S0004QD
Cadastral area
90 m²
Year built
2004
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.

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

69/100

Confidence: Medium

Score breakdown

Zone delta
Not assessable
—
Possession
20/20
Physical state
20/25
Legal liens
7/15
Zone liquidity
Not assessable
—

Vivienda de ?m² en Torremolinos a ?€/m² (mediana zona 4133€/m², delta %). Buen Estado. Posesión libre. Zona baja, inventario reciente (0 días).

Strengths

  • +Estado habitable sin reforma inmediata
  • +BuildingCenter (CaixaBank) declara el activo con posesión: 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.

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Location

Torremolinos, 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

—
Scope
Municipality
Zone median
€4,133 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

—
Scope
Postal code
Zone median
€3,342 /m²
Samples
9
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€295,000
Transfer tax (ITP) 7% — Andalucía€20,650
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€1,033
Estimated total investment€317,683

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

SourceBuildingCenter (CaixaBank)
On Atalaya since8 Oct 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