For sale · Costa del Sol · Estepona
Available2-Bed Apartment in Insur Scala, Estepona
Residential complexInsur ScalaGated community
€510,000
2 beds · 2 baths · 80 m² built
Ref HT5537197Updated daily · Last sync 7 November 2026
About this property
Overview
Two-bedroom apartment with private pool in Estepona, Costa del Sol. This fully furnished ground-floor residence at Insur Scala delivers 80 square metres of contemporary living space plus a 29-square-metre terrace that opens directly onto an unusually generous private garden. Completion is scheduled for 2026, with interiors styled in a Mediterranean palette of natural textures and neutral tones.
Inside, the layout separates two double bedrooms across two full bathrooms, with the principal bedroom positioned to catch the western light through floor-to-ceiling glazing. The open-plan living area connects kitchen, dining and lounge zones in a single fluid space, whilst the terrace extends this footprint outward into the private garden. One underground parking space is included, alongside storage accessible from the same level. West-facing orientation means afternoon sun floods the terrace and garden from midday through to sunset.
Insur Scala is a gated community with controlled access, communal swimming pool, equipped gymnasium and landscaped gardens maintained year-round. The development sits 3 kilometres from Estepona's historic old town, where the Wednesday market and renovated Plaza de las Flores anchor daily life. The A7 coastal road lies 1.5 kilometres north, connecting Marbella in 25 minutes and Gibraltar Airport in 45 minutes by car.
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Features
What this home includes
- Pool
- Terrace
Property details
Specifications
- Property type
- Apartment
- Subtype
- Ground floor apartment
- Bedrooms
- 2
- Bathrooms
- 2
- Built area
- 80 m²
- Terrace
- 29 m²
- Parking spaces
- 1
- Levels
- 3
- Year built
- 2026
- Condition
- Excellent
- Furniture
- Fully Furnished
- Pool
- Yes
- Gated community
- Yes
- Orientation
- west
- Energy rating
- B
- CO₂ rating
- B
- Complex
- Insur Scala
- City
- Estepona
- Province
- Málaga
- Coast
- Costa del Sol
Location
Estepona
Map shows the approximate Estepona area. The exact position of Insur Scala is not published. 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.
