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Apartment in Fuengirola

Calle Santa Rosa Complejo Sierra Mijas Torre Xi 1ºa

Fuengirola, Málaga • Auction • Ref: #A74B0150

€212,729
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Size

256 m²

Rooms

3

OccupancyOccupied · type to verify
60
apartment

AI visual analysis

Automated analysis · physical condition

Physical condition

No photos (BOE)

Photo quality

unknown

Description

50 por ciento de la vivienda sita en calle Santa Rosa complejo Sierra Mijas Torre XI 1ºA de Fuengirola

Characteristics

Bathrooms

2

Year built

2002

Legal & cadastral analysis

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Legal analysis (AI)

Ocupaciónocupada
Desahucio necesario
Detalle cargasHipoteca previa a favor de Unicaja (ampliada a 330.000 EUR de principal en 2008) y anotación de embargo letra A previa a favor de Samantha Jane Austen (83.360,21 EUR principal + 25.008,06 EUR costas/intereses). No consta el saldo pendiente actual de la hipoteca.
Embargos€108,368
Depósito (%)5%
Fase judicialejecucion
Nivel de riesgohigh
Litigioshipoteca, embargo, anotacion_preventiva, afeccion_fiscal
Análisis riesgoSe subasta únicamente el 50% indiviso de la finca, existen cargas previas relevantes (hipoteca de 330.000 € y embargo anterior) y el edicto reconoce a ocupantes con derecho a permanecer en el inmueble.

Cadastral data

Cadastral ref.
7663918UF6576S0001E

How to bid in this auction (BOE)

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  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.

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

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

ANALYZE

60/100

Confidence: Low

Score breakdown

Zone delta
25/30
Possession
10/20
Physical state
Not assessable
—
Legal liens
12/15
Zone liquidity
5/15
BOE bonus
3/6

Subasta BOE en Fuengirola. Puja mínima 212,729€ vs tasación 392,285€ (descuento judicial 45.8%). Posesión con ocupación a verificar. Subasta cierra en 14 días.

Strengths

  • +Descuento del -76.3% frente a la mediana zonal (3496€/m²)
  • +Descuento judicial del 45.8% sobre tasación (212,729€ vs 392,285€)
  • +Subasta inminente: cierre en 14 días, ventana de decisión limitada (presión vendedora)
  • +Documentación judicial confirma que no se requiere desahucio adicional
  • +Cargas legales acotadas o inexistentes

Risks

  • −Ocupación judicial sin detalle: verificar in situ antes de pujar

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

Fuengirola, 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

-76.3%Strong opportunity
Scope
Municipality (MITMA)
Zone median
€3,496 /m²
This asset
€830 /m²
Samples
314
Period
Q4-2025
Source
MITMA

vs other bank assets

No reference available for this area and asset type.

Estimated acquisition costs

Asset price€212,729
Transfer tax (ITP) 7% — Andalucía€14,891
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€745
Estimated total investment€229,365

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: 14 October 2026 at 16:00

Listing intel

SourceBOE Auctions
On the market sinceSept 2026 (15 days)
On Atalaya since24 Sept 2026
Last updated24 Sept 2026

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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