Azpilañaga · Pamplona/Iruña · Navarra

Bare-ownership flat in Azpilagaña, 2-bed

€245,000 3,182 €/m²

77 m² ninth-floor exterior flat in Azpilagaña, Pamplona, with two bedrooms, parking, balcony, elevator and open views. Sold as bare ownership in good condition.

Estimated monthly account

Rental income+€608/month
Mortgage 80% · 25 years · Euribor 2.86%−€915/month
Costs IBI, service charge, allowance · estimated−€134/month
Net cash flow −€441/month

Estimated up-front investment €75,950 · 20% deposit + 11% purchase costs

Reference 00310 · On Inmoblia since 16 August 2026 · Published by Tupiso

The property

Specifications

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

Type
Flat
Built area
77 m²
Usable area
67 m²
Bedrooms
2
Bathrooms
1
Floor
9
Year built
1989
Condition
Good condition
Transaction type
Bare ownership
Tenure
Tenure unconfirmed
Aspect
Exterior
Orientation
East
Service charge
€134/month
Fittings

Fittings and extras

What the property comes with and how much each item weighs in the “Property data” sub-score.

  • Lift +3
  • Heating +3
  • Exterior-facing +4
  • Balcony
  • Parking 1 space +5

The advert also mentions:

  • Equipped independent kitchen
  • Parquet flooring
  • Open views
  • Brick facade
  • Commercial area
  • Previously listed at 288,000 euros

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

How these values 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

  • In good conditionNo renovation needed to put it on the rental market.

Against

No notable risks in the available data.

Municipal momentum

Where the local market is heading.

Housing transactions

MIVAU · deals per year

−1.9% interanual
2,421 20112015201820222025 1,392 · 20111,392 · 20111,169 · 20121,169 · 2012964 · 2013964 · 20131,653 · 20141,653 · 20141,603 · 20151,603 · 20151,732 · 20161,732 · 20162,321 · 20172,321 · 20172,794 · 20182,794 · 20182,237 · 20192,237 · 20192,044 · 20202,044 · 20202,657 · 20212,657 · 20212,623 · 20222,623 · 20222,467 · 20232,467 · 20232,468 · 20242,468 · 20242,421 · 20252,421 · 2025

Investment guide for Pamplona/Iruña

Municipal demand

The structural depth of demand in the area.

33.6 yearsPrice / Rent (PER)
median 27.1 years years of rent to pay off the purchase · lower is cheaper relative to its rent
7%Unemployment rate (approx.)
median 10% unemployed over unemployed + social security contributors (a proxy comparable across municipalities)
+13.5‰Net migration
median 11.9‰ arrivals minus departures from abroad per 1,000 residents · a growing population sustains demand

Registered unemployment

SEPE · yearly average

−1.6% interanual
9,616 20192021202320242026 10,882 · 201910,882 · 201912,974 · 202012,974 · 202012,443 · 202112,443 · 202110,828 · 202210,828 · 202210,284 · 202310,284 · 202310,188 · 202410,188 · 20249,775 · 20259,775 · 20259,616 · 20269,616 · 2026

Registered population

INE · yearly population register

0.0% interanual
209,094 20112014201720202025 197,932 · 2011197,932 · 2011197,932 · 2011197,932 · 2011197,932 · 2011197,932 · 2011197,932 · 2011197,932 · 2011197,604 · 2012197,604 · 2012197,604 · 2012197,604 · 2012197,604 · 2012197,604 · 2012197,604 · 2012197,604 · 2012196,955 · 2013196,955 · 2013196,955 · 2013196,955 · 2013196,955 · 2013196,955 · 2013196,955 · 2013196,955 · 2013196,166 · 2014196,166 · 2014196,166 · 2014196,166 · 2014196,166 · 2014196,166 · 2014196,166 · 2014196,166 · 2014195,853 · 2015195,853 · 2015195,853 · 2015195,853 · 2015195,853 · 2015195,853 · 2015195,853 · 2015195,853 · 2015195,650 · 2016195,650 · 2016195,650 · 2016195,650 · 2016195,650 · 2016195,650 · 2016195,650 · 2016195,650 · 2016197,138 · 2017197,138 · 2017197,138 · 2017197,138 · 2017197,138 · 2017197,138 · 2017197,138 · 2017197,138 · 2017199,066 · 2018199,066 · 2018199,066 · 2018199,066 · 2018199,066 · 2018199,066 · 2018199,066 · 2018199,066 · 2018201,653 · 2019201,653 · 2019201,653 · 2019201,653 · 2019201,653 · 2019201,653 · 2019201,653 · 2019201,653 · 2019203,944 · 2020203,944 · 2020203,944 · 2020203,944 · 2020203,944 · 2020203,944 · 2020203,944 · 2020203,944 · 2020203,081 · 2021203,081 · 2021203,081 · 2021203,081 · 2021203,081 · 2021203,081 · 2021203,081 · 2021203,081 · 2021203,418 · 2022203,418 · 2022203,418 · 2022203,418 · 2022205,762 · 2023205,762 · 2023205,762 · 2023205,762 · 2023207,777 · 2024207,777 · 2024207,777 · 2024207,777 · 2024209,094 · 2025209,094 · 2025209,094 · 2025209,094 · 2025

Net international migration

INE · immigration − emigration · yearly

−6.2% interanual
2,812 2021202220232024 889 · 2021889 · 20213,392 · 20223,392 · 20222,999 · 20232,999 · 20232,812 · 20242,812 · 2024

Recorded offences

Ministry of the Interior · cumulative

+84.9% interanual
35,304 202420252026 3,405 · 20243,405 · 20246,864 · 20246,864 · 202411,803 · 202411,803 · 202415,488 · 202415,488 · 202419,097 · 202519,097 · 202522,753 · 202522,753 · 202527,933 · 202527,933 · 202531,727 · 202531,727 · 202535,304 · 202635,304 · 2026

Recorded offences (municipalities over 20,000 residents only, from 2024) are territorial context: they do not label an area “safe” or “unsafe”, nor do they measure tenant risk.

Comparables

Similar properties nearby

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

This is a shortlisting pass over the advert's data, not a due diligence report. Before deciding, check the points we cannot verify from here:

  • Possession: that it is vacant, with no squatters and no tenants on a live contract.
  • If it is let, the current rent, the type of contract and its expiry date.
  • The real state of repair and services (possible hidden renovation work) and a valid energy certificate.
  • The real service charge and, above all, whether any special levies are approved or pending: they appear in the minutes of the last owners' meetings.
  • The property's actual IBI: our figure is an estimate from the municipality's cadastral values, not the specific bill.
  • Charges, mortgages, seizures or easements in the Land Registry extract.