AtalayaAtalaya

Calle David Santiago Nº 4, Bajo

Los Naranjos, Málaga • Apartment · Auction • Ref: #57E74B4F

€144,500
open_in_newView original listing

Get new bank-owned properties in Málaga under your budget by email. Free.

Size

87 m²

OccupancyUnconfirmed
27
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

descriptionDescription

FINCA NÚMERO TRES: piso o vivienda Dúplex tipo B1, situada en planta baja y semisótano del edificio sito en la calle David Santiago de la ciudad de Málaga.

gavelLegal & cadastral analysis

expand_more

balanceLegal analysis (AI)

Ocupacióndesconocido
Cargas (€)€148,621
Detalle cargasHipoteca a favor de Banco Santander S.A. por 144500 EUR de principal, 22036.25 EUR de intereses ordinarios, 33596.25 EUR de intereses de demora y 21675 EUR para costas. Anotación de embargo administrativo a favor de la Hacienda Pública por 148187.23 EUR de importe pendiente total, 134.63 EUR de intereses, 300 EUR de costas y 148621.86 EUR a embargar.
Hipoteca€144,500
Embargos€148,622
Puja mínima€144,500
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgohigh
Litigioshipoteca, embargo, servidumbre, afeccion_fiscal
Análisis riesgoLa propiedad tiene una hipoteca y un embargo administrativo, ambos por cantidades significativas. La situación de ocupación es desconocida, lo que añade riesgo al proceso de desalojo.

assignmentCadastral data

straightenUnreconciled surface: the listing states 87.4 m² but the cadastre records 103 m² (+18%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
3470301UF7637S0004QM
Cadastral area
103 m²
Year built
2006
Cadastral use
Residential

routeHow to bid in this auction (BOE)

expand_more
  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.

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

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

AVOID

27/100

Confidence: Low

Score breakdown

Zone delta
Not assessable
—
Possession
Not assessable
—
Physical state
Not assessable
—
Legal liens
4/15
Zone liquidity
Not assessable
—

Subasta BOE en Málaga a 144,500€. Sin tasación de referencia publicada. Posesión desconocida. Subasta cierra en 19 días.

trending_upStrengths

  • +Subasta inminente: cierre en 19 días, ventana de decisión limitada (presión vendedora)

warningRisks

  • −Documentación judicial aún sin parsear: cargas y procedimiento por confirmar
  • −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

Los Naranjos, 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

-57.9%Strong opportunity
Scope
Municipality
Zone median
€3,923 /m²
This asset
€1,653 /m²
Period
septiembre 2026
Source
Idealista

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€144,500
Transfer tax (ITP) 7% — Andalucía€10,115
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€506
Estimated total investment€156,121

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: 5 October 2026 at 18:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (8 days)
On Atalaya since16 Sept 2026
Last updated16 Sept 2026

compare_arrowsZone comparables

Top 5 similar properties in Málaga by AI score

Vivienda en Málaga (alquilada)
71

Vivienda en Málaga (alquilada)

€186,000

€1,938/m² · 96 m²

View analysisarrow_forward
Vivienda en Málaga (alquilada)
70

Vivienda en Málaga (alquilada)

€196,000

€2,420/m² · 81 m²

View analysisarrow_forward
Piso en Arlanzon
70

Piso en Arlanzon

€122,000

€1,452/m² · 84 m²

View analysisarrow_forward
Piso en Cabriel
70

Piso en Cabriel

€121,000

€1,198/m² · 101 m²

View analysisarrow_forward
Vivienda en Málaga (alquilada)
69

Vivienda en Málaga (alquilada)

€234,000

€2,819/m² · 83 m²

View analysisarrow_forward

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