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Apartment in Marbella

Urbanización Las Adelfas de Guadalmina Baja

Nueva Andalucía, Marbella, Málaga • Ref: #989EBBD0

€420,000-32% vs area market
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Size

108 m²

Price / m²

€3,896

Rooms

2

OccupancyVacant
69
Urbanización Las Adelfas de Guadalmina Baja — Nueva Andalucía, Marbella
Photo: Solvia
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AI visual analysis

Automated analysis · physical condition

34 of 34 photos analyzed

Physical condition

Good

Photo quality

Good

Model observations

  • •Salon: Amplio y diafano, con suelos pulidos y paredes recien pintadas en blanco en buen estado de conservacion.
  • •Terraza: Salida directa desde el salon a terraza exterior en buen estado con toldo instalado.
  • •Cocina: Vista parcial a traves de pasa-platos con alicatado clasico pero en condicion operativa.
  • •Exterior: Urbanizacion comunitaria con piscina y zonas ajardinadas en perfecto mantenimiento.

Description

Vivienda de 92 m² en alquiler situada en urbanización denominada Las Adelfas de Guadalmina, en Marbella, Málaga. Se trata de un conjunto residencial cerrado en el que se ordenan los bloques de forma casi circular dejando en su interior los jardines y la piscina comunitaria. Con una superficie útil de 92 m² la vivienda se distribuye en gran salón-comedor con salida a una amplia y espaciosa terraza de 13 m², cocina tipo americana amueblada, 2 dormitorios y 2 baños completos, ambos con bañera. Buenas calidades en el interior, pre-instalación de A/C, suelos de mármol y armarios empotrados en dormitorios. Le corresponde como anejos inseparables, la plaza de garaje de gran amplitud, con 23 m² y el trastero de 5 m² aproximadamente, ambos situados en la planta sótano del edificio, de fácil acceso desde el exterior y buena maniobrabilidad en el interior. Ubicación excelente, a pocos minutos de Puerto Banús, la playa, el centro comercial, centro de salud y con multitud de restaurantes y bares. Además su ubicación dota a la vivienda de buenas comunicaciones por la Autovía del Mediterráneo y se encuentra próxima a la estación de autobuses de la localidad y a tan solo 1 kilómetro de la playa. Con nuestros servicios podrá encontrar la vivienda que necesita y asegurar su inversión con el mejor de los asesoramientos especializados. Empiece ahora mismo pidiendo más información. Un responsable cercano a usted le atenderá personalmente.

Characteristics

Bathrooms

2

Elevator

Yes

Year built

2006

Pool

Yes

Heating

No

Garden

Yes

Energy rating

E

Legal & cadastral analysis

expand_more

Cadastral data

straightenUnreconciled surface: the listing states 107.8 m² but the cadastre records 163 m² (+51%). Verify before offering — €/m² and the discount depend on this number.

Cadastral ref.
0584102UF2308S0043FE
Cadastral area
163 m²
Year built
2005
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.

handshakeThis asset has been listed for 402 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

69/100

Confidence: High

Score breakdown

Zone delta
19/30
Possession
20/20
Physical state
20/25
Legal liens
10/15
Zone liquidity
3/15

Vivienda de 107.80m² en Marbella a 3896€/m² (mediana zona 5764€/m², delta -32.4%). Buen Estado. Posesión libre. Zona baja, stock estancado (392 días).

Strengths

  • +Descuento del -32.4% frente a la mediana zonal (5764€/m²)
  • +Estado habitable sin reforma inmediata
  • +El banco confirma posesión legal: vivienda libre para entregar

Risks

  • −392 días en mercado sin venderse

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

Nueva Andalucía, Marbella, 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

-32.4%Strong opportunity
Scope
Municipality
Zone median
€5,765 /m²
This asset
€3,896 /m²
Period
octubre 2026
Source
Idealista

vs other bank assets

-1.5%In line
Scope
Postal code
Zone median
€3,954 /m²
This asset
€3,896 /m²
Samples
20
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€420,000
Transfer tax (ITP) 7% — Andalucía€29,400
Notary (est.)€630
Land Registry (est.)€420
Admin agency (est.)€1,470
Estimated total investment€451,920

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

SourceSolvia
On the market sinceSept 2025 (402 days)
On Atalaya since12 May 2026
Last updated9 Oct 2026

Zone comparables

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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