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House in Torrox

Calle El Peñoncillo, 13

Torrox, Málaga • Ref: #B7CFF203

€346,000
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Size

198 m²

Price / m²

€1,747

Rooms

2

OccupancyVacant
77
Calle El Peñoncillo, 13 — Torrox
Photo: sareb
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AI visual analysis

Automated analysis · physical condition

15 of 15 photos analyzed

Physical condition

Needs work

Photo quality

Good

Model observations

  • •Todas las fotos son de exterior y no muestran el interior de ninguna propiedad.
  • •Las imágenes muestran vistas panorámicas de la costa y algunas construcciones en la ladera de una colina.

Description

Conjunto residencial unifamiliar con un estilo mediterráneo y maravillosas vistas al mar, muy luminosas gracias a la magnífica orientación y amplias terrazas. El residencial se compone de 21 viviendas con orientación principal al sol de tarde, que se distribuyen en tres plantas compuesta por salón comedor, dos dormitorios, tres baños, planta sótano totalmente diáfana, plaza de garaje individual y trastero. Ubicado a tan sólo 1 km del mar y de todos los servicios necesarios, en un entorno tranquilo dónde vivir o disfrutar de unas inolvidables vacaciones. Con excelentes comunicaciones que nos permite disfrutar del Centro Histórico de Málaga en 30 minutos y llegar al aeropuerto en 40 minutos. Las zonas comunes incluyen zonas verdes y piscina para disfrutar al aire libre. ¡Solicita cita a través de nuestra página web para ampliar información!

Characteristics

Bathrooms

3

Elevator

No

Terrace

No

Parking

No

Pool

No

Air conditioning

No

Heating

No

Storage room

No

Garden

No

Energy rating

En tr

Legal & cadastral analysis

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Cadastral data

Cadastral ref.
6364501VF1666S0001GW

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 758 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

77/100

Confidence: High

Score breakdown

Zone delta
25/30
Possession
20/20
Physical state
14/25
Legal liens
10/15
Zone liquidity
Not assessable
—

Vivienda de 198.00m² en Torrox a 1747€/m² (mediana zona 2845€/m², delta -38.6%). Estado Mejorable. Posesión libre. Zona muy_baja, más de 2 años sin vender.

warning

Referencia basada en inventario bancario

Para esta zona no tenemos índice real (Idealista ni MITMA). La mediana usa 487 listings bancarios del mismo province — informa de cómo está precificado el activo dentro del catálogo bancario, no de descuento real vs mercado libre.

Strengths

  • +Descuento del -38.6% frente a la mediana zonal (2845€/m²)
  • +Aliseda declara el activo con posesión: libre para entregar

Risks

  • −754 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

Torrox, 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

No reference available for this area and asset type.

vs other bank assets

-38.1%Strong opportunity
Scope
Province (MITMA)
Zone median
€2,823 /m²
This asset
€1,747 /m²
Samples
498
Source
Atalaya (bank inventory)

Estimated acquisition costs

Asset price€346,000
Transfer tax (ITP) 7% — Andalucía€24,220
Notary (est.)€600
Land Registry (est.)€400
Admin agency (est.)€1,211
Estimated total investment€372,431
Estimated refurbishment (state: mejorable)€79,000 – €138,500

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

SourceAliseda
On the market sinceSept 2024 (758 days)
On Atalaya since20 Apr 2026
Last updated9 Oct 2026

Zone comparables

Top 5 similar properties in Torrox by AI score

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Aggregated data from public sources and servicer sareb. 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