Madrid · Madrid · 28008

One-bedroom Madrid auction flat

€175,557 2,660 €/m²

49 m² first-floor flat in Madrid with one bedroom, bathroom and kitchen. The property is vacant and held in full ownership.

Estimated monthly account

Rental income+€1,079/month
Mortgage 80% · 25 years · Euribor 2.86%−€656/month
Costs IBI, service charge, allowance · estimated−€195/month
Net cash flow +€228/month

Estimated up-front investment €54,423 · 20% deposit + 11% purchase costs

Reference SUB-RC-2026-280100012603 · On Inmoblia since 7 August 2026

The auction

Auction details

Official terms published on the BOE auction portal.

Running Administrative auction No date published
€175,557Opening bidMinimum published amount to bid
€468,948Estimated market valueInmoblia's own valuation, not the court appraisal
+63%Estimated discountOf the bid against our market value
Possession
Vacant
Prior charges
Yes, charges published
Viewable
No
Deposit to bid
€17,556
Appraised value
€351,113

Charges published by the BOE: No constan.

The property

Specifications

What the advert says about the property: floor area, layout, condition and registry details.

Type
Flat
Built area
66 m²
Usable area
49 m²
Bedrooms
1
Bathrooms
1
Floor
primera
Year built
1986
Occupancy
Vacant
Transaction type
Auction
Tenure
Freehold
Fittings

Fittings and extras

Property characteristics published in the auction file.

The advert also mentions:

  • IDUFIR 28106000111107
  • Not a habitual residence
  • Cadastral ownership record not updated
  • Registered at Property Registry number 25 in Madrid

Free text we could not normalise into a comparable attribute, so it does not score.

The verdict

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

  • Vacant possessionThe file states that the property is free of occupants.
  • Deep discountThe effective bid is at least 30% below our market valuation.

Against

  • Deposit requiredBidding requires posting the deposit the BOE demands in advance.
  • Prior charges publishedThe BOE publishes prior charges that may survive the award.
The auction score

How the score is built

The auction score is the weighted sum of five factors. Each panel shows its contribution and stays collapsed until you want to review the data behind it.

Total score (weighted sum of the five factors)76/100

Discount to market

45% of the score +40 pts
88
Effective bid
€175,557
Estimated market value
€468,948
Calculated discount
+63%

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% of the score +2 pts
15
Published position
Yes, charges published

BOE text: No constan.

Prior charges may survive the award. No declared charges scores 100; if the BOE does not state it, 45; with published charges, 15.

Possession

20% of the score +20 pts
100
Published position
Vacant

A vacant property scores 100; tenanted, 55; position unknown, 45; and occupied, 10, for the cost and time recovering possession may take.

Municipal liquidity

10% of the score +4 pts
41
2.7Market turnover
median 3.3 transactions a year per 1,000 residents · more turnover, easier to resell · 2026Q1
0.43Repossession pressure
median 0.74 urban housing repossessions per 1,000 of the provincial stock · 2025

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

10% of the score +10 pts
100
Valuation confidence
high confidence
Evidence coverage
95%

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.

High95%
€175,557Advertised price2,660 €/m²
€468,948Estimated fair value54 deduplicated comparables
UnavailableOfficial closing price in the areaOfficial evidence, kept separate

Fair purchase range

municipio
€306,648P25
€468,948mediana
€754,036P75
5,466 €/m²Reference appraised valueMIVAU · 2026Q1

Fair rent range

300,447 observations
€726/monthP25
€924/monthmediana
€1,181/monthP75

Model explainable-municipal-v2 · calculated on 27 August 2026. high confidence, adjusted for recency, granularity, sample and dispersion.

Comparables

Similar properties nearby

Real references of the same municipality and type, to cross-check rent and price. They are not necessarily active offers.

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.

High confidence: the data behind the auction analysis is well covered.

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.