Algezares · Murcia · Murcia · 30157

Two-level Murcia auction dwelling

  • Rent at the edge
€227,511 1,497 €/m²

Two-level dwelling with 71.5 m² of usable area in Algezares, Murcia, plus an attached parking space. The property is occupied by another person and is not stated to be the habitual residence.

Estimated monthly account

Rental income+€947/month
Mortgage 80% · 25 years · Euribor 2.95%−€858/month
Costs IBI, service charge, allowance · estimated−€188/month
Net cash flow −€99/month

Estimated up-front investment €67,116 · 20% deposit + 9.5% purchase costs includes 8.0% transfer tax in Región de Murcia; reduced rates may apply

Reference SUB-JA-2026-255358 · On Inmoblia since 1 September 2026

The auction

Auction details

Official terms published on the BOE auction portal.

Running Court auction Closes in 11 days
€227,511Opening bidMinimum published amount to bid
€235,270Estimated market valueInmoblia's own valuation, not the court appraisal
+3%Estimated discountOf the bid against our market value
Possession
Occupied
Prior charges
Yes, charges published
Viewable
No
Deposit to bid
€11,376
Auction closes
14 September 2026

Charges published by the BOE: Se cancelan la carga registral que da lugar a esta subasta y todas las posteriores. Se mantendrán las cargas o gravámenes anteriores o del mismo rango, y quien se adjudique el inmueble se subroga en la responsabilidad que garantizan. Los interesados han de comprobar qué cargas existen y su estado actual. Además del precio ofrecido y esas posibles cargas, se han de abonar otros gastos e impuestos, por lo que antes de participar es conveniente consultar con expertos.

The property

Specifications

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

Type
Duplex
Built area
152 m²
Usable area
72 m²
Floors in the property
2
Year built
2007
Occupancy
Not stated
Transaction type
Auction
Fittings

Fittings and extras

Property characteristics published in the auction file.

  • Parking 1 space

The advert also mentions:

  • Attached parking space number 2
  • 14.64% ownership quota
  • Not stated as habitual residence
  • Outstanding prior or same-rank charges may remain

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

No notable positive signals.

Against

  • Deposit requiredBidding requires posting the deposit the BOE demands in advance.
  • Prior charges publishedThe BOE publishes prior charges that may survive the award.
  • OccupiedRecovering possession may require time, costs and court proceedings.
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)19/100

Discount to market

45% of the score +5 pts
10
Effective bid
€227,511
Estimated market value
€235,270
Calculated discount
+3%

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: Se cancelan la carga registral que da lugar a esta subasta y todas las posteriores. Se mantendrán las cargas o gravámenes anteriores o del mismo rango, y quien se adjudique el inmueble se subroga en la responsabilidad que garantizan. Los interesados han de comprobar qué cargas existen y su estado actual. Además del precio ofrecido y esas posibles cargas, se han de abonar otros gastos e impuestos, por lo que antes de participar es conveniente consultar con expertos.

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 +2 pts
10
Published position
Occupied

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
3.5Market turnover
median 3.4 transactions a year per 1,000 residents · more turnover, easier to resell · 2026Q1
0.78Repossession 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 +7 pts
65
Valuation confidence
medium confidence
Evidence coverage
73%

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.

Medium73%
€227,511Advertised price1,497 €/m²
€235,270Estimated fair value5 deduplicated comparables
UnavailableOfficial closing price in the areaOfficial evidence, kept separate

Fair purchase range

municipio
€178,824P25
€235,270mediana
€275,275P75
1,575 €/m²Reference appraised valueMIVAU · 2026Q1

Fair rent range

19,675 observations
€745/monthP25
€988/monthmediana
€1,277/monthP75

Model explainable-municipal-v2 · calculated on 1 September 2026. medium 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.