For sale · Costa del Sol · Cártama
Available2-Bed Finca for Sale in Cártama
Gated community
€255,000€265,000
2 beds · 1 bath · 70 m² built · 2793 m² plot
Price reduced
Ref HT5237296Updated daily · Last sync 10 October 2026
About this property
Overview
Two-bedroom finca with private pool in Cártama, Costa del Sol. This traditional Spanish country home sits on a fully fenced 2,793sqm plot, offering seclusion and mountain views across open terrain. The 70sqm interior centres around a lounge with a stone feature wall and integrated wood-burning stove, creating a natural gathering space during cooler months.
The kitchen provides ample workspace and storage, while both bedrooms are equally proportioned and share a family bathroom. The main bedroom opens directly onto a 40sqm conservatory that overlooks the pool terrace, extending the living area outdoors. South to west orientation ensures natural light throughout the day, and the property includes one designated parking space. A covered barbecue area sits to the rear, alongside two outbuildings that offer storage or potential workshop space.
The finca lies within Cártama's rural valley, 3 kilometres from the historic town centre where weekly markets and traditional tapas bars line the main plaza. Málaga Airport is a 25-minute drive via the A-357, connecting this countryside retreat to international travel routes. The property's gated entrance and mature boundary planting provide complete privacy, while the larger outbuilding measures approximately 20sqm and could serve multiple practical purposes.
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Features
What this home includes
- Alarm system
- Private pool
- Countryside view
- Mountain view
- Barbecue
- Private garden
- Fireplace
- Double glazing
- Fitted kitchen
- Storage room
- Private parking
- Fibre internet
- Close to town
- Terrace
Property details
Specifications
- Property type
- Finca
- Subtype
- Finca - cortijo
- Bedrooms
- 2
- Bathrooms
- 1
- Built area
- 70 m²
- Terrace
- 40 m²
- Plot size
- 2793 m²
- Parking spaces
- 1
- Pool
- Yes
- Gated community
- Yes
- Orientation
- South, South West, West
- City
- Cártama
- Province
- Málaga
- Coast
- Costa del Sol
Location
Cártama
Map shows the approximate Cártama area. Exact address provided upon request. This property is in CártamaCosta del Sol.
Lauro Golf
23 mindrive
Policlinica Lacibis Cartama
5 mindrive
Málaga Airport (AGP)
25 mindrive
9 questions answered
Buying this finca in Cártama
Can foreigners buy property in Cártama?
Yes. Spain places no restrictions on foreign buyers, EU and non-EU citizens can purchase freely in Cártama. 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 Cártama?
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.
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