Checking the original advert…
Elda · Alicante/Alacant · 03600
Auctioned second-floor flat in Elda
45 m² usable flat on the second floor in Elda, Alicante, with full ownership offered through a public tax auction. Occupancy is not recorded; the building has mostly boarded windows and the property is pre-1978 protected housing.
Estimated monthly account
Estimated up-front investment €6,008 · 20% deposit + 11% purchase costs
Reference SUB-RC-2026-0026I20250161 · On Inmoblia since 7 August 2026
Auction details
Official terms published on the BOE auction portal.
- Possession
- Not stated
- Prior charges
- Yes, charges published
- Deposit to bid
- €1,938
- Appraised value
- €38,760
Charges published by the BOE: 1 - Hipoteca a favor de BANCO CREDITO A LA CONSTRUCCION SA, respondiendo la finca de este número de 138,03 euros de capital; Formalizada en escritura autorizada por el notario Francisco Javier Monedero Gil, en fecha 19/12/1969. Se amortizará en plazo de 27 años a contar desde el 01/10/1967. Se advierte de que habiendo transcurrido más de 21 años desde el vencimiento, puede solicitar expresamente el titular registral o quien tenga un derecho sobre la misma, la cancelación por caducidad.. 2 - Según la inscripción 3º, la totalidad de la finca se encuentra gravada con una condición resolutoria, a favor de Enrique Paya Baus, casado con Adoración Plá Llamas, por un precio aplazado de 281,71 euros; Formalizada en escritura de compra otorgada en Elda, ante el notario Don Antonio Leirado Sacristán, el 2 de julio de 1970. Se pagará en 5 anualidades, venciendo el primero el 01/06/1971. Figura advertencia en la inscripción en la que indica que dicha condición habiendo transcurrido el plazo a su efecto, se podrá solicitar expresamente por el titular registral o quien tenga un derecho sobre la misma, de la cancelación por caducidad.
Specifications
What the advert says about the property: floor area, layout, condition and registry details.
- Type
- Flat
- Built area
- 57 m²
- Usable area
- 45 m²
- Floor
- 2
- Year built
- 1964
- Occupancy
- Not stated
- Transaction type
- Auction
- Tenure
- Freehold
- Protected housing
- Yes (VPO/VPP)
Fittings and extras
Property characteristics published in the auction file.
The advert also mentions:
- Cadastral reference 3412606XH9631S0005BG
- Street address CL Murillo 68
- Pre-1978 protected housing with unrestricted sale price
- Registered at Elda Property Registry No. 2
- Building access and most windows are boarded
- Occupancy status not recorded
- Not stated as habitual residence
Free text we could not normalise into a comparable attribute, so it does not score.
What the analysis sees
The specific signals the model finds in this property and its municipality, before going into the score in detail.
In favour
No notable positive signals.
Against
- Unreliable valuationThe market reference has limited coverage; read the discount with caution.
- Deposit requiredBidding requires posting the deposit the BOE demands in advance.
- No valuation of our ownWe cannot measure the discount without an independent market valuation.
- Prior charges publishedThe BOE publishes prior charges that may survive the award.
How the score is built
This lot gets no overall score, but its factors are still measured. Each panel shows what we know and stays collapsed until you want to review the data.
Discount to market
Not measured
Discount to market
We have no market valuation of our own for this property, so we cannot measure the discount on the bid. Since it carries 45% of the total, the lot gets no overall score: we do not use the court appraisal as a substitute.
- Effective bid
- €19,380
- Estimated market value
- —
- Calculated discount
- —
The discount rises on a gradual curve: 20% is worth about 49/100 and 60% about 86/100. Source: the bid published by the BOE and Inmoblia's explainable valuation; the court appraisal is not used as market value.
Prior charges
15
Prior charges
- Published position
- Yes, charges published
BOE text: 1 - Hipoteca a favor de BANCO CREDITO A LA CONSTRUCCION SA, respondiendo la finca de este número de 138,03 euros de capital; Formalizada en escritura autorizada por el notario Francisco Javier Monedero Gil, en fecha 19/12/1969. Se amortizará en plazo de 27 años a contar desde el 01/10/1967. Se advierte de que habiendo transcurrido más de 21 años desde el vencimiento, puede solicitar expresamente el titular registral o quien tenga un derecho sobre la misma, la cancelación por caducidad.. 2 - Según la inscripción 3º, la totalidad de la finca se encuentra gravada con una condición resolutoria, a favor de Enrique Paya Baus, casado con Adoración Plá Llamas, por un precio aplazado de 281,71 euros; Formalizada en escritura de compra otorgada en Elda, ante el notario Don Antonio Leirado Sacristán, el 2 de julio de 1970. Se pagará en 5 anualidades, venciendo el primero el 01/06/1971. Figura advertencia en la inscripción en la que indica que dicha condición habiendo transcurrido el plazo a su efecto, se podrá solicitar expresamente por el titular registral o quien tenga un derecho sobre la misma, de la cancelación por caducidad.
Prior charges may survive the award. No declared charges scores 100; if the BOE does not state it, 45; with published charges, 15.
Possession
45
Possession
- Published position
- Not stated
A vacant property scores 100; tenanted, 55; position unknown, 45; and occupied, 10, for the cost and time recovering possession may take.
Municipal liquidity
44
Municipal liquidity
Repossessions are a provincial figure (INE) and turnover is municipal (MIVAU). They measure the market's risk and how easily it resells, not the quality of this particular property.
Without enough municipal coverage the factor stays at 50, neutral: it neither rewards nor penalises.
Valuation reliability
30
Valuation reliability
- Valuation confidence
- low confidence
- Evidence coverage
- 45%
The discount is only as reliable as the market value used as its reference. A high-confidence valuation scores 100; medium, 65; low or absent, 30.
Explainable valuation
An indicative estimate, not a certified appraisal. Each type of evidence is shown separately.
Fair rent range
1,421 observationsModel explainable-municipal-v2 · calculated on 26 August 2026. low confidence, adjusted for recency, granularity, sample and dispersion.
Similar properties nearby
Real references of the same municipality and type, to cross-check rent and price. They are not necessarily active offers.
They let for…
Comparable rentals in Elda, including those already let.
They sell for…
Comparable sales in Elda, including those already sold.
In most court auctions the charges ranking ahead of the executing creditor are not extinguished: the successful bidder takes them on. Possession is not guaranteed and may require eviction proceedings at the buyer's cost. Bidding requires a digital certificate, DNIe or Cl@ve and posting the stated deposit in advance. Always check the full terms in the official BOE notice.
Low confidence: key details of the file are missing; read the score with caution.
Confidence measures how much data we hold, not the quality of the investment. We publish no arrears estimates: income, employment and crime figures are market context, never an indicator of tenant risk.