New development · Costa del Sol · Estepona

Insur Scala - KEY READY

From €452,000

2 beds · 80 m² built · Est. completion 2025-12-31

Ref HT4268065

Updated daily · Last sync 2026-06-14T21:50:27.936587+00:00

About this property

Overview

Insur Scala - KEY READY is a new development of 2-bedroom ground floor apartments for sale in Estepona, Costa del Sol, priced at €452,000. The project comprises 121 apartments across a range of bedroom counts, but these ground floor units represent the entry point for buyers seeking a coastal base within walking distance of Estepona's old town. The development sits on elevated ground in the centre of the city, which means views extend across the rooftops towards the Mediterranean, an unusual position for a new build at this price point in a town where most recent construction has pushed inland or west along the coast.

Each ground floor apartment measures 80 m² of built space and includes two bedrooms and two bathrooms. The development offers two communal swimming pools, a gym, a co-working area, and a social club, amenities that reflect the mix of permanent residents and remote workers now buying in Estepona. The supplier description does not confirm dedicated parking, so buyers should clarify whether spaces are included in the purchase price or available at an additional cost. The apartments are described as key ready, which means finishes are complete and occupation is immediate upon completion of the sale.

Estepona's beach is 5 minutes by car from the development, a realistic distance given the town's layout and the project's central position. The town has attracted a mix of northern European retirees, families seeking year-round sunshine, and younger buyers working remotely, drawn by lower property prices than Marbella or Puerto Banús and a functioning Spanish town centre rather than a resort enclave. Supermarkets, pharmacies, schools, and bus routes are within the immediate area, which matters for anyone planning to live here full-time rather than use the property for holidays. The elevated position means the walk into town involves a slope, something to consider if mobility is a concern or if you plan to walk frequently to the old quarter and waterfront.

These apartments are key ready, so the standard Spanish payment structure for off-plan purchases does not apply. Buyers should expect to pay a reservation deposit, then complete the balance on signing the escritura and receiving keys. All amounts and timelines must be confirmed directly with the developer or their appointed sales agent. Independent legal representation is essential, particularly to verify whether parking is included, to review community fees for the shared amenities, and to confirm the exact completion date. Ground floor units in Spanish developments sometimes include small private gardens or direct pool access, details not mentioned in the supplier description but worth clarifying before committing to purchase.

Features

What this home includes

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

Property details

Specifications

Reference
HT4268065
Property type
Ground Floor Apartment
Developer
JUAN BENITEZ
Bedrooms
2
Bathrooms
2
Built area
80 m²
Terrace
102 m²
Plot size
92 m²
Price range
€452,000
Completion
2025-12-31
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 - KEY READY: Frequently Asked Questions

The base price of €452,000 for Insur Scala - KEY READY covers the 80 m² ground floor apartment with 2 bedrooms, a private garage, and access to either a private or communal pool depending on your unit. You also get a private garden space, which is a real advantage for ground floor living in this beachside development.

Insur Scala - KEY READY is located right on the beachfront in Estepona, so you're literally steps away from the sand and sea. This beach-side position means your apartment benefits from direct sea views and easy access to the Costa del Sol's beaches and coastal amenities.

Yes, Insur Scala - KEY READY offers flexibility with pool options. Some units come with a private pool while others have access to communal pool facilities, so you can choose based on your preference and lifestyle needs when you select your specific apartment.

Insur Scala - KEY READY is expected to be completed and key-ready by December 2025, so you're looking at a relatively short build timeline. This means you could be enjoying your beachfront apartment in Estepona within the next year.

The ground floor apartments at Insur Scala - KEY READY come with a private garden, which gives you outdoor space that upper-floor units don't have, plus direct access to the beach and sea views. Combined with the private garage and your choice of pool options, these ground floor units offer a genuinely spacious and flexible living experience for a 2-bedroom apartment.

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 ground floor apartments in the same city.

This Ground floor apartment

€5,650 / m²

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

Comparable averages

  • Apartments & penthouses in Estepona

    42 active listings

    €6,300 / m²10% below market

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Insur Scala - KEY READY

Estepona · From €452,000 · 2 bed · Completing Q4 2025

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