New development · Costa del Sol · Estepona

Insur Scala

From €452,000

2 beds · 80 m² built

Ref HT4268065Updated daily · Last sync 26 August 2026

About this property

Overview

Insur Scala offers two-bedroom apartments where the terrace is the dominant feature. At 102 square metres, the terrace is larger than the 80 square metres of interior, which makes this a home for outdoor living rather than a compact flat with a balcony. The layout suits buyers who want space to dine outside, entertain or set up different zones, but bear in mind that maintaining that much outdoor floor area requires regular attention. The development includes 121 apartments in total, ranging from one to four bedrooms, with two swimming pools, a gym, a social club and a co-working area.

The setting is central Estepona, on the sea side of the AP-7 motorway. La Rada beach is a 20-minute walk or three minutes by car. Estepona town centre, with its restaurants and shops, is five minutes away. Puerto Estepona marina and ALDI supermarket are within walking or short driving distance. Colegio Público Santo Tomás de Aquino is 182 metres from the development, which makes the school run straightforward but also means families with young children are your immediate neighbours. Gibraltar Airport is 43 minutes by car, and Azata Golf is 12 minutes away.

The apartments face east or west, so you get morning or afternoon sun rather than light all day. Views take in the sea, mountains and pool, and most units look over a wide sweep of the city. The location works if you want to walk to the beach and shops, but Estepona proper is a busy town rather than a quiet resort, and the density here reflects that. Parking is included, which matters because a car extends your reach along the coast and into the hills.

Features

What this home includes

  • Pool
  • Private garden
  • Parking
  • Sea view
  • Beachside

Property details

Specifications

Reference
HT4268065
Property type
Apartment
Developer
JUAN BENITEZ
Bedrooms
2
Bathrooms
2
Built area
80 m²
Terrace
102 m²
Plot size
92 m²
Price range
€452,000
Pool
Yes
Garden
Yes
Garage
Yes
Beach side
Yes
Sea view
Yes
City
Estepona
Coast
Costa del Sol

What's Nearby

La Rada
20 minwalk
Azata Golf
12 mindrive
Puerto Estepona
2 mindrive
Colegio Público Santo Tomás de Aquino
2 mindrive
Supercor
3 mindrive
ALDI
5 minwalk
Mercadona
8 minwalk
Hospital de Alta Resolución de Estepona
9 mindrive
Farmacia Usero
7 minwalk
Carrefour
4 mindrive
Estepona
5 mindrive
4 restaurants & bars
within 12 minwalk
Málaga Airport (AGP)
68 mindrive
Gibraltar Airport (GIB)
43 mindrive
Beachside, south of the coastal road (A-7), close to the Mediterranean.

Location

Estepona

Location shown is the development site. This development is in EsteponaCosta del Sol.

Insur Scala sits on the sea side of the AP-7, putting the beach within easy reach. La Rada is just a 20 minute walk or 3 minute drive away. You are five minutes from Estepona town centre and its restaurants and shops. Gibraltar Airport is 43 minutes away by car, making this convenient for regular travellers. The location works well for families, with Colegio Público Santo Tomás de Aquino just 182 metres away, and for golfers heading to Azata Golf in 12 minutes. Everything you need daily, from ALDI supermarket to Puerto Estepona marina, is within walking or short driving distance.

18 questions answered

Insur Scala: Frequently Asked Questions

La Rada beach is 1.6 kilometres away, which takes about three minutes by car or 20 minutes on foot. The walk is flat and straightforward, so you can manage it without a car if you are staying for a few weeks, though most buyers drive when carrying beach kit or shopping.

The terrace measures 102 square metres, which is larger than the 80 square metres of interior space. That gives you room to set up a dining area, loungers and separate seating zones, but it also means you are cleaning and maintaining a lot of outdoor floor. The setup suits buyers who spend most of their time outside.

Gibraltar Airport is 36 kilometres away and takes 43 minutes by car, making it the closer option. Málaga Airport is about an hour and 20 minutes in normal traffic. Gibraltar works well for frequent short trips, though flight choice is more limited than Málaga.

The apartments look out over the sea, mountains and communal pool, with most units taking in a wide sweep of Estepona and the coast. Homes face either east or west, so you get morning sun or afternoon light depending on orientation, but not both.

Colegio Público Santo Tomás de Aquino is 182 metres from the development, which makes the school run easy but also means families are your immediate neighbours. Hospital de Alta Resolución de Estepona is 4.5 kilometres away, a nine-minute drive, and a supermarket is 400 metres down the road.

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 apartments in the same city.

This Apartment

€5,650 / m²

€5,650 × 80 m² = €452,000 asking · entry unit

Comparable averages

  • Apartments & penthouses in Estepona

    40 active listings

    €6,187 / m²9% below market

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