Apartment in Mijas

Calle Encina - Ed Yate Urb el Albero -

Las Lagunas, Mijas, Málaga • Ref: #5410BD8D

€325,000-35% vs area market

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Size

126 m²

Price / m²

€2,578

Rooms

OccupancyOccupied · legal tenantDeduced by AI

Calle Encina - Ed Yate Urb el Albero - — Las Lagunas, Mijas

Photo: Solvia

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AI visual analysis

Automated analysis · physical condition

31 of 31 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

•Salon: Espacioso y luminoso, con paredes recien pintadas en blanco, suelos de gres en damero bien conservados y carpinteria exterior de aluminio en buen estado.
•Terraza: Visible a traves de los amplios ventanales del salon, con barandilla metalica y suelo ceramico en correcto estado.
•Dormitorio: Con armario empotrado de madera, carpinteria interior conservada y el mismo solado continuo sin danos apreciables.

Description

Piso de 126 m² de 3 dormitorios, ubicado en la localidad de Mijas, provincia de Málaga. Esta vivienda se localiza a menos de 7 minutos de la estación de tren de Fuengirola, cerca de paradas de autobús con varias líneas, M-127, M-129 y la M-223 entre otras. Buenas comunicaciones mediante la autovía del Mediterráneo A-7, que conecta el municipio con Málaga y su aeropuerto por un lado y con Marbella y Estepona, por otro, con la N-340. También podemos destacar su cercanía a la playa y el puerto de la ciudad. Además, y al ser un área con todos los servicios, supermercados, el Centro de Salud Las Lagunas, bares, restaurantes, farmacias, etc, esta vivienda se presenta en el mercado como una oportunidad residencial en una buena zona. Construido en 1979, es piso de 126 m² consta de salón-comedor, 3 dormitorios con armarios empotrados, cocina amueblada con armarios altos y bajos y equipada con horno y vitrocerámica, 1 baño y 2 terrazas exteriores.

Characteristics

Bathrooms

Elevator

Yes

Year built

1979

Energy rating

Legal & cadastral analysis

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Cadastral data

Cadastral ref.

3659111UF5435N0031PA

Cadastral area

132 m²

Year built

1979

Cadastral use

Residential

How to buy this asset from the bank

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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.

handshakeThis asset has been listed for 305 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

70/100

Confidence: High

Score breakdown

Zone delta: 25/30
Possession: 12/20
Physical state: 20/25
Legal liens: 10/15
Zone liquidity: 6/15

Vivienda de 126.07m² en Mijas a 2031€/m² (mediana zona 3954€/m², delta -48.6%). Buen Estado. Posesión con inquilino legal. Zona baja, 295 días en mercado.

Strengths

+Descuento del -48.6% frente a la mediana zonal (3954€/m²)
+Estado habitable sin reforma inmediata

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

Las Lagunas, Mijas, 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

-34.8%Strong opportunity

Scope: Neighbourhood
Zone median: €3,954 /m²
This asset: €2,578 /m²
Period: mayo 2026
Source: Idealista

vs other bank assets

-23.7%Good price

Scope: Postal code
Zone median: €3,377 /m²
This asset: €2,578 /m²
Samples: 29
Source: Atalaya (bank inventory)

Estimated acquisition costs

Asset price€325,000

Transfer tax (ITP) 7% — Andalucía€22,750

Notary (est.)€600

Land Registry (est.)€400

Admin agency (est.)€1,138

Estimated total investment€349,888

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.

Price history

The price has dropped 1 time(s). This suggests a motivated seller profile with strong negotiation potential below the list price.

7 Oct 2026

€256,000arrow_forward€325,000-26.95%

Listing intel

SourceSolvia

On the market sinceDec 2025 (305 days)

On Atalaya since12 May 2026

Last updated9 Oct 2026

€215,800

€2,600/m² · 83 m²

View analysis

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