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House in Alhaurín de la Torre

Capellania Retamar, Alhaurin de la Torre, Málaga • Ref: #85029302

€447,500-11% vs area market
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Size

189 m²

Price / m²

€2,368

Rooms

4

OccupancyOccupied · legal tenant
58
House in Alhaurín de la Torre — Capellania Retamar, Alhaurin de la Torre
Photo: Alquizen

AI visual analysis

Automated analysis · physical condition

1 of 1 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Salon: espacio amplio y luminoso con paredes recien pintadas en blanco y suelo laminado en buen estado general.
  • •Salon: cerramientos exteriores de aluminio blanco con rejas y puertas de paso de madera con vidrieras en estado correcto.

Description

Vivienda con inquilino y contrato de alquiler vigente por 1.688 €/mes. Rentabilidad bruta estimada del 4,5 %. Contrato vigente hasta 08/2031. El arrendatario está al corriente de pago. Construida en 2009.

Characteristics

Bathrooms

3

Elevator

No

Terrace

Yes

Parking

No

Orientation

external

Year built

2009

Pool

No

Air conditioning

No

Storage room

No

Garden

No

Energy rating

E

Legal & cadastral analysis

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Cadastral data

Unverified

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

Cadastral ref.
3389504UF6538N
Cadastral area
189 m²
Year built
2009
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

58/100

Confidence: High

Score breakdown

Zone delta
13/30
Possession
12/20
Physical state
20/25
Legal liens
7/15
Zone liquidity
9/15

Vivienda de 189.00m² en Alhaurin de la Torre a 2368€/m² (mediana zona 2651€/m², delta -10.7%). Buen Estado. Posesión con inquilino legal. Zona muy_baja, inventario reciente (13 días).

Strengths

  • +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

Capellania Retamar, Alhaurin de la Torre, 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

-10.7%Good price
Scope
Municipality (MITMA)
Zone median
€2,651 /m²
This asset
€2,368 /m²
Samples
153
Period
Q4-2025
Source
MITMA

vs other bank assets

-15.6%Good price
Scope
Postal code
Zone median
€2,807 /m²
This asset
€2,368 /m²
Samples
5
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€447,500
Transfer tax (ITP) 7% — Andalucía€31,325
Notary (est.)€671
Land Registry (est.)€448
Admin agency (est.)€1,566
Estimated total investment€481,510

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

SourceAlquizen
On Atalaya since16 Sept 2026
Last updated1 Nov 2026

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Aggregated data from public sources and servicer Alquizen. 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