For sale · Costa del Sol · Estepona
Available2-Bed Apartment in Cortijo del Mar, Estepona
Residential complexCortijo del Mar
€499,000
2 beds · 2 baths · 86 m² built
Ref HT5499547Updated daily · Last sync 23 October 2026
About this property
Overview
Two-bedroom apartment with private pool in Estepona, Costa del Sol. This 86sqm first-floor residence in Block I delivers a fully furnished, move-in-ready home finished to a high standard with air conditioning that doubles as heating throughout the year. The 16sqm private terrace extends the living space outdoors, offering a sheltered spot for morning coffee or evening meals without overlooking neighbours.
Inside, the layout separates two double bedrooms across 86sqm of built area, each served by its own bathroom to avoid morning queues. The open-plan living and dining zone connects directly to the terrace through sliding glass doors, flooding the interior with natural light. The kitchen comes equipped with integrated appliances, and every room benefits from ducted air conditioning with a heating function for cooler months. Storage is built into both bedrooms, and the apartment includes one allocated parking space in the underground garage.
Cortijo del Mar sits in the El Paraíso residential zone, a low-rise development built in 2009 with communal swimming pools set among landscaped gardens. The complex is positioned 2.5 kilometres inland from the beach at Saladillo-Benamara, a quieter stretch of coastline with chiringuitos and a coastal path linking to Estepona's western promenade. El Paraíso Golf Club lies 800 metres to the north, and the A-7 coastal road is a three-minute drive, connecting to Estepona town centre in under ten minutes and Puerto Banús in twelve.
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Features
What this home includes
- Pool
- Terrace
Property details
Specifications
- Property type
- Apartment
- Subtype
- Middle floor apartment
- Bedrooms
- 2
- Bathrooms
- 2
- Built area
- 86 m²
- Terrace
- 16 m²
- Parking spaces
- 1
- Pool
- Yes
- Complex
- Cortijo del Mar
- City
- Estepona
- Province
- Málaga
- Coast
- Costa del Sol
Location
Estepona
Residential complexCortijo del MarMap shows the Cortijo del Mar 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.
