For sale · Costa del Sol · Estepona
Available2-Bed Apartment in Costa Galera, Estepona
Residential complexCosta GaleraGated community
€275,000
2 beds · 2 baths · 76 m² built
Ref HT5386888Updated daily · Last sync 29 October 2026
About this property
Overview
Two-bedroom apartment with private pool in Estepona, Costa del Sol. This ground-floor residence offers direct access to a 35sqm private garden terrace from the open-plan living and dining area, creating an indoor-outdoor flow ideal for coastal living. The 76sqm interior includes two double bedrooms, two full bathrooms, and a separate kitchen, providing a functional layout ready for personalisation.
The property features patio doors that flood the living space with north-east morning light, whilst the garden terrace extends the usable living area by nearly half the internal footprint. Both bedrooms accommodate double beds, and the ground-floor position eliminates the need for stairs or lifts. A dedicated parking space is included, and the apartment's 2004 construction ensures solid build quality with scope for cosmetic updates to match contemporary tastes.
Costa Galera is a resort-style complex with four communal swimming pools, landscaped gardens, a residents' gym, and 24-hour security. This apartment sits close to one of the pool areas, offering easy access to the shared facilities. Estepona Marina lies just minutes away by car, where you'll find waterfront restaurants, yacht moorings, and a weekly market. The beaches of central Estepona are within a five-minute drive, and the property's location places you equidistant between several championship golf courses that define this stretch of the Costa del Sol.
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Features
What this home includes
- Air conditioning
- Ensuite bathroom
- Fitted kitchen
- Fitted wardrobes
- Storage room
- Urbanisation
- Terrace
Property details
Specifications
- Property type
- Apartment
- Subtype
- Ground floor apartment
- Bedrooms
- 2
- Bathrooms
- 2
- Built area
- 76 m²
- Terrace
- 35 m²
- Parking spaces
- 1
- Pool
- Yes
- Gated community
- Yes
- Orientation
- North East
- Complex
- Costa Galera
- Area
- Costa Galera
- City
- Estepona
- Province
- Málaga
- Coast
- Costa del Sol
Location
Costa Galera, Estepona
Residential complexCosta GaleraMap shows the Costa Galera complex location. Exact unit address provided upon request. This property is in Costa GaleraEsteponaCosta del Sol.
Nearest beach
9 minwalk
Golf Academy Albayt Resort
3 mindrive
Puerto Deportivo
7 mindrive
Colegio Diocesano Juan XXIII
4 mindrive
Mercadona
22 minwalk
Hospital de Alta Resolución de Estepona
5 mindrive
Farmacia Estepona
3 mindrive
Carrefour
11 mindrive
Estepona
12 mindrive
Gibraltar Airport (GIB)
41 mindrive
9 questions answered
Buying this apartment in Costa Galera
Can foreigners buy property in Costa Galera?
Yes. Spain places no restrictions on foreign buyers, EU and non-EU citizens can purchase freely in Costa Galera. You will need a Spanish NIE (foreigner tax number) before signing the title deed, plus a Spanish bank account for the transfer. The full purchase typically completes 6 to 10 weeks from signing the reservation contract.
What is an NIE and how do I get one?
The NIE (Número de Identificación de Extranjero) is your Spanish tax ID and is mandatory for buying property, opening a bank account or paying taxes. You can apply at a Spanish consulate in your home country or in person in Spain. Your lawyer can also obtain it on your behalf with a power of attorney, typically 2 to 4 weeks.
Do I need a Spanish lawyer?
Strongly recommended. An independent lawyer (abogado), separate from the agent and seller, verifies title, checks for debts and planning issues, drafts contracts and represents you at the notary. Typical fee is 1% of the purchase price plus VAT, with a minimum around €1,500.
How long does completion take?
From accepted offer to keys: 6 to 10 weeks for a resale, 30 to 45 days from reservation if no mortgage is needed. New-build off-plan completes when the development is delivered, often 18 to 36 months after reservation, with staged payments along the way.
What taxes will I pay buying a property in Costa Galera?
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.
What ongoing costs should I expect?
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.
Are agent fees paid by the buyer or seller?
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.
Can non-residents get a Spanish mortgage?
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.
Should I get pre-approval before viewing?
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.
