For sale · Costa del Sol · Estepona
Available3-Bed Apartment for Sale in Estepona
€525,000
3 beds · 3 baths · 198 m² built
Ref HT5533042Updated daily · Last sync 4 November 2026
About this property
Overview
Three-bedroom apartment with private pool in Estepona, Costa del Sol. While most apartments share their outdoor space, this one comes with a 92-square-metre terrace and private garden large enough to host dinner for twelve or let the children run circuits while you read in the shade.
Inside, the 198-square-metre layout separates sleeping from living with clear purpose: three bedrooms, three bathrooms, and a master suite with en-suite facilities. The kitchen opens to the living room through a serving window, turning meal preparation into a social act rather than isolation. All rooms arrive fully furnished, so you can move in with a suitcase rather than a removal lorry. A dedicated parking space and storage room sit below, both included, which matters more than you think when you're unloading a week's shopping in August heat. The community maintains two shared swimming pools for days when you'd rather swim laps than lounge by your private one.
La Resina Golf surrounds the property with fairways and pine-studded quiet, positioned on a cul-de-sac where through-traffic doesn't exist. Estepona's marina sits 8 kilometres west, reachable in twelve minutes when you want harbour restaurants or the Friday market. The building dates from 2006 and remains in excellent condition, with none of the retrofit compromises that plague older conversions. Two communal pools serve the wider community, though with your own terrace setup, you'll likely use them for variety rather than necessity.
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Features
What this home includes
- Pool
- Terrace
Property details
Specifications
- Property type
- Apartment
- Subtype
- Ground floor apartment
- Bedrooms
- 3
- Bathrooms
- 3
- Built area
- 198 m²
- Terrace
- 92 m²
- Parking spaces
- 1
- Levels
- 2
- Year built
- 2006
- Condition
- Excellent
- Furniture
- Fully Furnished
- Pool
- Yes
- Energy rating
- E
- CO₂ rating
- E
- City
- Estepona
- Province
- Málaga
- Coast
- Costa del Sol
Location
Estepona
Map shows the approximate Estepona area. Exact address provided upon request. 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.
