For sale · Costa del Sol · Estepona
Available2-Bed Apartment for Sale in Estepona
Gated community
€395,000
2 beds · 2 baths · 160 m² built
Ref HT5519707Updated daily · Last sync 21 October 2026
About this property
Overview
Two-bedroom apartment with private pool in Estepona, Costa del Sol. This ground-floor property spans two levels across 160 square metres, offering the flexibility to reconfigure the lower floor into a third bedroom or independent guest suite. The south-facing 23-square-metre terrace extends from the main living area, providing outdoor space for dining and direct sunlight throughout the day.
The main level houses an open-plan lounge and kitchen, a double bedroom with en-suite bathroom, and access to the terrace. The lower level contains a second lounge area, bedroom space, bathroom, and a large lockable storage room that could serve as additional living accommodation. Air conditioning runs throughout both floors, and the property includes a private underground parking space with lift access directly to the apartment. Communal facilities include a swimming pool shared with neighbouring properties.
The apartment sits in the Nueva Atalaya area of Estepona, positioned within walking distance of local shops and restaurants. Several golf courses lie a short drive away, whilst Estepona's beaches are approximately 10 minutes by car. Built in 2008 and maintained in good condition, the property comes with optional furniture included in the sale.
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Features
What this home includes
- Air conditioning
- Fitted kitchen
- Fitted wardrobes
- Fibre internet
- Urbanisation
- Terrace
Property details
Specifications
- Property type
- Apartment
- Subtype
- Ground floor apartment
- Bedrooms
- 2
- Bathrooms
- 2
- Built area
- 160 m²
- Terrace
- 23 m²
- Parking spaces
- 1
- Pool
- Yes
- Gated community
- Yes
- Orientation
- South
- City
- Estepona
- Province
- Málaga
- Coast
- Costa del Sol
Location
Estepona
Map shows the approximate Estepona area. Exact address provided upon request. This property is in EsteponaCosta del Sol.
La Rada
4 mindrive
Azata Golf
14 mindrive
Puerto Estepona
4 mindrive
Hospital de Alta Resolución de Estepona
11 mindrive
Málaga Airport (AGP)
70 mindrive
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.
