For sale · Costa del Sol · Estepona
Available2-Bed Apartment in Golf Hills, Estepona
Residential complexGolf HillsGated community
€399,000
2 beds · 2 baths · 92 m² built
Ref HT5525185Updated daily · Last sync 29 October 2026
About this property
Overview
Two-bedroom apartment with private pool in Estepona, Costa del Sol. This ground-level residence in the gated Golf Hills community delivers 92 square metres of living space plus a 32-square-metre terrace that overlooks the communal pool and gardens. The east-facing orientation fills the interiors with morning light, whilst the outdoor space remains usable throughout the day for dining or relaxation beside the water.
Inside, the open-plan living and dining area connects directly to the terrace through sliding glass doors, creating a fluid transition between zones. The kitchen comes fully equipped with integrated appliances and ample storage. Both bedrooms include fitted wardrobes, and the principal bedroom benefits from an en-suite bathroom. A second full bathroom serves the guest bedroom and communal areas. The property is sold fully furnished, with modern pieces selected to complement the neutral palette and clean lines throughout. One allocated parking space is included within the secure complex.
Golf Hills sits within Estepona's eastern district, a residential area known for its proximity to multiple golf courses and coastal access. The complex provides 24-hour security, landscaped communal gardens, and a shared swimming pool. Residents can walk to the beach in approximately 12 minutes, whilst the nearby Valle Romano Golf Club lies less than one kilometre away. Central Estepona, with its marina, old town, and weekly market, is a five-minute drive along the A-7 coastal road.
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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
- 92 m²
- Terrace
- 32 m²
- Parking spaces
- 1
- Pool
- Yes
- Gated community
- Yes
- Orientation
- east
- Energy rating
- F
- Complex
- Golf Hills
- City
- Estepona
- Province
- Málaga
- Coast
- Costa del Sol
Location
Estepona
Residential complexGolf HillsMap shows the Golf Hills 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.
