For sale · Costa del Sol · Cártama
Available2-Bed Finca for Sale in Cártama
€339,000
2 beds · 2 baths · 81 m² built · 2131 m² plot
Ref HT5394349Updated daily · Last sync 10 October 2026
About this property
Overview
Two-bedroom finca with private pool in Cártama, Costa del Sol. Built in 2011 across 81sqm of living space, this property sits on a substantial 2,131sqm plot offering complete privacy and open countryside views across the Andalusian hills. The south and south-west orientation ensures natural light throughout the day, whilst the construction quality remains evident in the solid build and complete absence of damp.
Inside, two bedrooms and two bathrooms provide comfortable accommodation, with the layout designed to maximise the connection between indoor and outdoor living. The 50sqm of terrace space extends the usable area considerably, creating multiple zones for dining, lounging and entertaining. Clean lines and quality finishes define the interior, where terracotta floors and whitewashed walls maintain the authentic Andalusian aesthetic without feeling dated. The kitchen opens onto the main living area, and both bedrooms benefit from direct terrace access. The property is unfurnished, allowing new owners to configure the space to their requirements.
The finca occupies a hillside position in the Cártama countryside, where neighbouring properties remain at a distance and the landscape consists of olive groves, almond trees and natural scrubland. Cártama village centre lies 4km away, providing daily amenities including supermarkets, restaurants and a weekly market. The property offers genuine rural seclusion whilst remaining 25 minutes by car from Málaga airport and 20 minutes from the coast at Torremolinos. A gated entrance leads to the plot, where mature planting frames the pool area and multiple terraces take advantage of different sun positions throughout the day.
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Features
What this home includes
- Private pool
- Countryside view
- Private garden
- Air conditioning
- Fitted kitchen
- Covered parking
- Close to town
- Terrace
Property details
Specifications
- Property type
- Finca
- Subtype
- Finca - cortijo
- Bedrooms
- 2
- Bathrooms
- 2
- Built area
- 81 m²
- Terrace
- 50 m²
- Plot size
- 2131 m²
- Pool
- Yes
- Orientation
- South, South 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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