Checking the original advert…
San Benito - Patiño · Murcia · Murcia · 30011
50% Murcia flat with co-owner occupancy
117 m² second-floor flat in Murcia with a 9.3 m² storage room. The other co-owner occupies it as her habitual residence; conservation is stated as good.
Estimated monthly account
Estimated up-front investment €31 · 20% deposit + 11% purchase costs
Reference SUB-JC-2026-264626 · On Inmoblia since 12 August 2026
Auction details
Official terms published on the BOE auction portal.
- Possession
- Occupied
- Prior charges
- Yes, charges published
- Viewable
- No
- Deposit to bid
- €8,250
- Auction closes
- 1 September 2026
Charges published by the BOE: Salvo que se indique otra cosa para este lote, el juzgado acordará la cancelación de las cargas anteriores en garantía de créditos concursales que no gocen de privilegio especial, como los embargos. Si son bienes afectos a créditos privilegiados, como las hipotecas, también se acordará su cancelación. IMPORTANTE: En la información publicada se ha de comprobar qué cargas se cancelarán y que, por tanto, no tendría que pagar el mejor postor, siempre que se ofrezca el mínimo establecido.
Specifications
What the advert says about the property: floor area, layout, condition and registry details.
- Type
- Flat
- Built area
- 121 m²
- Floor
- segunda planta alta
- Year built
- 1996
- Condition
- Good condition
- Occupancy
- Not stated
- Transaction type
- Auction
Fittings and extras
Property characteristics published in the auction file.
- Storage room
The advert also mentions:
- Judicial insolvency auction
- Inseparable storage room of 9.3 m²
- Occupied by the other co-owner
- No photographs or interior access
- Ownership quota of 3.60%
- Secret bidding
- Payment within 20 business days
- Deposit of 8,250 euros
- Auction from 12 August to 1 September 2026
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
- 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.
- OccupiedRecovering possession may require time, costs and court proceedings.
- Closing soonSeven days or fewer remain to complete checks and submit a bid.
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.
Discount to market
96
Discount to market
- Effective bid
- €100
- Estimated market value
- €199,937
- Calculated discount
- +100%
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: Salvo que se indique otra cosa para este lote, el juzgado acordará la cancelación de las cargas anteriores en garantía de créditos concursales que no gocen de privilegio especial, como los embargos. Si son bienes afectos a créditos privilegiados, como las hipotecas, también se acordará su cancelación. IMPORTANTE: En la información publicada se ha de comprobar qué cargas se cancelarán y que, por tanto, no tendría que pagar el mejor postor, siempre que se ofrezca el mínimo establecido.
Prior charges may survive the award. No declared charges scores 100; if the BOE does not state it, 45; with published charges, 15.
Possession
10
Possession
- 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
50
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
100
Valuation reliability
- 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.
Fair purchase range
municipioFair rent range
19,675 observationsModel explainable-municipal-v2 · calculated on 28 August 2026. high 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 Murcia, including those already let.
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.