For sale · Costa del Sol · Estepona
Available3-Bed Apartment in Marina Bay, Estepona
Residential complexMarina Bay
€699,000
3 beds · 3 baths · 137 m² built
Ref HT5511925Updated daily · Last sync 10 October 2026
About this property
Overview
Three-bedroom apartment with beachfront position in Estepona, Costa del Sol. The terrace opens directly above Playa del Cristo, with uninterrupted views across the Mediterranean and the beach immediately below. This corner position within the complex ensures natural light throughout the day and a sense of privacy unusual for frontline apartments.
Inside, 137 square metres of living space has been recently renovated to create an open, functional layout. The kitchen is arranged around a central island and flows into the living and dining areas without walls or partitions. Floor-to-ceiling glass doors connect the main living space to the 13-square-metre terrace. The principal bedroom includes an en-suite bathroom, whilst the two additional bedrooms share a second bathroom. A third bathroom serves the common areas. One parking space is included.
Marina Bay sits directly on the beachfront in central Estepona, with the town's marina and old quarter a ten-minute walk along the promenade. The complex offers a communal pool and landscaped gardens with direct access to the beach. Estepona's market, restaurants, and weekly street market are all within 1.5 kilometres of the development.
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Features
What this home includes
- Pool
- Sea view
- Beachfront
- Terrace
Property details
Specifications
- Property type
- Apartment
- Subtype
- Middle floor apartment
- Bedrooms
- 3
- Bathrooms
- 3
- Built area
- 137 m²
- Terrace
- 13 m²
- Parking spaces
- 1
- Pool
- Yes
- Beachfront
- Yes
- Sea view
- Yes
- Complex
- Marina Bay
- City
- Estepona
- Province
- Málaga
- Coast
- Costa del Sol
Location
Estepona
Map shows the approximate Estepona area. The exact position of Marina Bay 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.
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