For sale · Costa del Sol · Estepona
Available2-Bed Apartment in Oceana Gardens, Estepona
Residential complexOceana GardensGated community
€470,000
2 beds · 2 baths · 84 m² built
Ref HT5482825Updated daily · Last sync 27 October 2026
About this property
Overview
Two-bedroom apartment with private pool in Estepona, Costa del Sol. This 84sqm residence at Oceana Gardens delivers direct Mediterranean and mountain views from a 20sqm private terrace, a rare feature in a two-bedroom layout that transforms outdoor dining and morning coffee into daily rituals against an open horizon.
Inside, an open-plan living and dining area spans the width of the apartment, connecting through full-width glazing to the terrace. The kitchen comes fitted with integrated appliances and stone worktops. Both bedrooms include floor-to-ceiling built-in wardrobes, and each of the two bathrooms features wall-hung sanitaryware and rainfall showers. The apartment is sold fully furnished with contemporary pieces selected for the space, and one underground parking space is included.
Oceana Gardens sits in Cancelada on the New Golden Mile, a 4km stretch of coastline linking Estepona and San Pedro de Alcántara. The complex provides a communal pool and a residents' gym. Villa Padierna Golf Club lies 1.2km inland, and the beaches at Costalita are a six-minute drive south. Estepona's old town, with its weekly market and tapas quarter, is 8km west along the A-7. Completion is scheduled for 2025.
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Features
What this home includes
- Countryside view
- Panoramic view
- Sea view
- Air conditioning
- Ensuite bathroom
- Furnished
- Open-plan kitchen
- Storage room
- Private parking
- Fibre internet
- Close to schools
- Close to town
- Terrace
Property details
Specifications
- Property type
- Apartment
- Subtype
- Middle floor apartment
- Bedrooms
- 2
- Bathrooms
- 2
- Built area
- 84 m²
- Terrace
- 20 m²
- Parking spaces
- 1
- Pool
- Yes
- Gated community
- Yes
- Sea view
- Yes
- Orientation
- West
- Complex
- Oceana Gardens
- City
- Estepona
- Province
- Málaga
- Coast
- Costa del Sol
Location
Estepona
Residential complexOceana GardensMap shows the Oceana Gardens complex location. Exact unit address provided upon request. This property is in EsteponaCosta del Sol.
9 questions answered
Buying this apartment in Estepona
Can foreigners buy property in Estepona?
Yes. Spain places no restrictions on foreign buyers, EU and non-EU citizens can purchase freely in Estepona. 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 Estepona?
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.
