New development · Costa del Sol · Estepona

Belfry 1

From €2,750,000

4 beds · 403 m² built

Ref HT5450167Updated daily · Last sync 11 September 2026

About this property

Overview

This is a detached four-bedroom villa on a 648 square metre plot in El Campanario, a low-density residential area just inland from Estepona's western beaches. The development consists of a single property, designed around a private pool and multiple terraces that connect directly to the main living spaces through full-height sliding glass. The rooftop solarium and a two-car garage sit within the 403 square metres of built space, which is spread across three levels including a lower floor given over to additional living and entertainment rooms.

El Campanario lies a few minutes by car from the coast and from central Estepona. The immediate surroundings are made up of similar villas and small residential complexes, with golf courses at El Campanario and Atalaya Park within a kilometre. You are not walking to the beach, to shops or to restaurants. The setting is quiet and green, but it depends entirely on a car for daily life. Families with school-age children will find international schools in Benahavís and Estepona, all requiring a drive.

The layout gives each of the four bedrooms its own bathroom and terrace access. The principal suite occupies its own zone with a dressing area and a larger bathroom. Downstairs, the extra living space can be used as a second lounge, a cinema room or overflow for visiting family. The kitchen opens onto the outdoor dining terrace, and the main living room connects to the pool area through doors that retract completely. Timber ceilings and stone floors soften the contemporary lines without adding decoration for its own sake.

This suits a household that values outdoor living and privacy over a central location. If you need to walk to amenities or prefer the energy of a town centre, this is the wrong choice.

Property details

Specifications

Reference
HT5450167
Property type
Villa
Bedrooms
4
Bathrooms
4
Built area
403 m²
Price range
€2,750,000
City
Estepona
Coast
Costa del Sol

Location

Estepona

Estepona

Exact location available on request. This development is in EsteponaCosta del Sol.

18 questions answered

Belfry 1: Frequently Asked Questions

The built area is 403 square metres across three floors, with a rooftop solarium and two-car garage included in that total. The plot measures 648 square metres, leaving room for the private pool, terraces and planting around the perimeter.

The nearest beaches in western Estepona are a few minutes away by car. El Campanario sits inland in a low-density residential zone, so walking to the coast is not realistic. You will need a car for every trip to the sea.

Yes, all outdoor areas belong to the single villa. The 648 square metre plot includes a private pool, multiple terraces off the bedrooms and living spaces, and a rooftop solarium. There are no shared facilities or communal areas to maintain.

El Campanario works well for permanent residence if you drive everywhere and prefer a quiet, green neighbourhood. International schools, health centres and supermarkets are all within a short drive in Estepona and Benahavís, and the airport is under an hour away.

Two courses sit within a kilometre, which matters if you play regularly or want a green outlook from the house. For non-golfers, it simply means low-rise surroundings and quiet roads, but also that cafés, bakeries and convenience shops are not on your doorstep.

Buying off-plan in Estepona means reserving a property before or during construction. You pay a reservation deposit (typically €6,000 to €12,000), then sign a private purchase contract within 30 days and pay a further 10 to 20% of the purchase price. Staged payments follow the construction milestones. The final 60 to 70% is paid at notary completion when the keys are handed over.

Under Spanish law (Law 57/1968 and its 2015 successor), all off-plan deposits must be covered by a bank guarantee or insurance policy. Your lawyer must verify this before you pay any money. If the developer fails to deliver, you can claim 100% of your deposit plus 6% annual interest. Never transfer funds without a confirmed guarantee in your name.

Spanish law mandates three tiers: a 10-year structural guarantee (Seguro Decenal) for serious structural defects, a 3-year guarantee for habitability issues (waterproofing, insulation, installations), and a 1-year guarantee on finishes and fixtures. These run from the date the licence of first occupation (licencia de primera ocupación) is issued.

New-build purchases are subject to 10% IVA (VAT) on the purchase price, plus 1.2% AJD (stamp duty) in Andalucía. Parking spaces or storage sold separately may attract 21% IVA. Add notary, land registry and legal fees (1 to 2%), budget 12 to 15% on top of the purchase price in total acquisition costs.

Most developers allow personalisation during the early construction phase, choices of floor tiles, kitchen units, bathroom fixtures, paint colours and sometimes layout tweaks. The window for changes is typically 3 to 6 months after signing the contract. Structural changes are rarely possible once work has started. Your sales representative will provide a customisation deadline and specification sheet.

Typical build time in coastal Spain is 18 to 30 months from licence grant to completion. Delays of 3 to 6 months are common due to weather, supply-chain or permit issues. Your contract should specify a longstop completion date and the compensation you are owed for any overrun. Always check whether the building licence has already been granted before reserving.

Key due-diligence points: (1) confirm the building licence is granted, not just applied for; (2) verify all deposits are bank-guaranteed in your name; (3) check the developer's track record and financial standing; (4) review the specification sheet and what is included in the price; (5) confirm the estimated completion date and longstop clause; (6) have an independent Spanish lawyer review the contract before you sign anything.

Yes, both are required before the final notary signing. You can reserve with a passport, but your Spanish NIE (foreigner tax number) is needed for the private purchase contract and your Spanish bank account for the staged transfers. Your lawyer can obtain your NIE with a power of attorney in 2 to 4 weeks. Open the bank account on your first trip to Spain or remotely via certain Spanish banks.

Yes. Spanish banks lend to non-residents at typical LTVs of 60 to 70% of the lower of purchase price or valuation (vs 80% for residents). Rates are competitive with the rest of the eurozone. You will need 6 months of bank statements, tax returns and proof of income, pre-approval takes 2 to 4 weeks.

Recommended for serious buyers. A mortgage in principle confirms your budget, signals credibility to sellers and shortens completion. We can introduce you to specialist non-resident mortgage brokers familiar with the local market.

Resale property in Andalucía: ITP (transfer tax) at 7%. New-build: 10% IVA + 1.2% AJD (stamp duty). Plus notary, land registry and legal fees of roughly 1 to 2%. Budget 10 to 13% on top of the asking price for total acquisition costs.

Annual IBI (council tax) is typically 0.4 to 1.1% of cadastral value. Community fees on apartments and gated villas range €100 to €600/month depending on amenities. Non-resident owners pay an annual income tax based on cadastral value, plus utilities and home insurance.

In Spain the seller pays the agent commission (typically 3 to 6% + VAT), already baked into the asking price. Buyers do not pay agent fees on resale or new-build.

Market context

How it sits in the market

Live €/m² comparisons from current inventory of similar villas in the same city.

This Villa

€6,824 / m²

€6,824 × 403 m² = €2,750,000 asking · entry unit

Comparable averages

  • Villas in Estepona

    18 active listings

    €6,042 / m²13% above market

Similar projects

More developments in Estepona

Newsletter · Every Friday

Track the Costa del Sol market without the noise.

Every Friday: the properties worth a second look, what prices are doing in Marbella and Estepona, and one honest take on the market. For buyers who are serious, but not ready to be sold to yet.

Join 1,200 buyers and investors already tracking the Costa del Sol.