For sale · Costa del Sol · Estepona
Available3-Bed Apartment in Playa Bella, Estepona
Residential complexPlaya BellaGated community
€519,000
3 beds · 2 baths · 87 m² built
Ref HT5438776Updated daily · Last sync 29 October 2026
About this property
Overview
Three-bedroom apartment with beachfront position in Estepona, Costa del Sol. This first-floor residence in the Playa Bella complex sits just metres from the sand, placing the Mediterranean within immediate reach. The property has undergone a complete renovation, delivering contemporary interiors across 87 square metres of living space ready for immediate occupation.
The open-plan living area flows into a modern kitchen fitted with integrated appliances, whilst two of the three bedrooms offer flexible accommodation for family or guests. Both bathrooms feature updated fixtures and tiling, and the 6-square-metre balcony provides sea views across the manicured communal gardens. The apartment comes fully furnished to a neutral specification, and one allocated parking space is included with the sale. Air conditioning runs throughout, and double glazing ensures year-round comfort in this 1979-built block.
Playa Bella occupies a quiet stretch of Estepona's New Golden Mile, with gated entry leading to landscaped gardens, a residents' pool, and direct pedestrian access to the beach. The complex sits 8 kilometres west of Puerto Banús, reachable in under ten minutes by car, and Estepona's historic centre lies 4 kilometres to the west. Local beach clubs and chiringuitos line the shore within a five-minute walk, whilst supermarkets and essential services operate within 1 kilometre of the entrance gates.
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Features
What this home includes
- Sea view
- Air conditioning
- Fitted kitchen
- Furnished
- Private parking
- Fibre internet
- Beachfront
- Close to the sea
- Close to town
- Frontline beach
- Urbanisation
- Terrace
Property details
Specifications
- Property type
- Apartment
- Subtype
- Middle floor apartment
- Bedrooms
- 3
- Bathrooms
- 2
- Built area
- 87 m²
- Terrace
- 6 m²
- Parking spaces
- 1
- Pool
- Yes
- Gated community
- Yes
- Beachfront
- Yes
- Sea view
- Yes
- Orientation
- South West
- Complex
- Playa Bella
- City
- Estepona
- Province
- Málaga
- Coast
- Costa del Sol
Location
Estepona
Residential complexPlaya BellaMap shows the Playa Bella complex location. Exact unit address provided upon request. This property is in EsteponaCosta del Sol.
Nearest beach
12 mindrive
Club de Golf El Coto de la Serena
7 mindrive
Puerto Estepona
16 mindrive
The International School of Estepona
9 mindrive
Colegio Público Cancelada
5 mindrive
Aldi
9 mindrive
Hospital Hospiten de Estepona
8 mindrive
Pharmacy
2 minwalk
Mustang
9 mindrive
Estepona
16 mindrive
Gibraltar Airport (GIB)
54 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.
