For sale · Costa del Sol · Estepona
Available2-Bed Penthouse in Estepona Gardens, Estepona
Residential complexEstepona Gardens
€475,000
2 beds · 2 baths · 83 m² built
Ref HT5526901Updated daily · Last sync 28 October 2026
About this property
Overview
Two-bedroom penthouse with private pool in Estepona, Costa del Sol. This top-floor residence offers 83 square metres of living space plus a 52-square-metre terrace where your own pool sits. Built in 2023, the apartment arrives part-furnished and in excellent condition, with two bathrooms serving the two bedrooms and a private parking space included.
Inside, the layout accommodates modern coastal living without excess. The kitchen and living areas connect to the terrace, where the private pool occupies a dedicated section of the 52 square metres. Both bedrooms access natural light, and the two bathrooms feature contemporary fittings installed during the 2023 construction. Storage comes via a dedicated room separate from the main apartment. The part-furnished specification allows you to add personal touches whilst retaining key pieces already in place.
Estepona Gardens sits in central Estepona, placing the Old Town eight minutes on foot and the beach twelve minutes away. The marina lies just beyond the beach route, whilst supermarkets and cafés cluster within a two-minute radius of the complex. Year-round residents keep local businesses open across all seasons, creating a setting that functions beyond the summer calendar. The complex includes a communal pool alongside your private terrace pool, and the parking space means a car remains optional rather than essential given the walkable distances to shops, restaurants and the seafront promenade that runs along this stretch of the Costa del Sol.
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Features
What this home includes
- Pool
- Terrace
Property details
Specifications
- Property type
- Penthouse
- Subtype
- Penthouse duplex
- Bedrooms
- 2
- Bathrooms
- 2
- Built area
- 83 m²
- Terrace
- 52 m²
- Parking spaces
- 1
- Pool
- Yes
- Energy rating
- B
- Complex
- Estepona Gardens
- City
- Estepona
- Province
- Málaga
- Coast
- Costa del Sol
Location
Estepona
Residential complexEstepona GardensMap shows the Estepona Gardens complex location. Exact unit address provided upon request. This property is in EsteponaCosta del Sol.
9 questions answered
Buying this penthouse 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.
