For sale · Costa del Sol · Estepona
Available3-Bed Apartment for Sale in Estepona
Gated community
€525,000€579,000
3 beds · 2 baths · 120 m² built
Price reduced
Ref HT5541724Updated daily · Last sync 11 November 2026
About this property
Overview
Three-bedroom apartment with beachfront position in Estepona, Costa del Sol. You step directly from the building onto the sand, with the Mediterranean stretching out before you and the promenade running beneath your windows. This recently renovated residence delivers fully furnished coastal living across 120 square metres of interior space plus a 20-square-metre terrace that catches the southern and western light.
Inside, the layout provides three bedrooms and two bathrooms, including an ensuite in the principal bedroom. Marble flooring runs throughout, complemented by fitted wardrobes in each bedroom and a fully fitted kitchen. Air conditioning operates in both heating and cooling modes, while the apartment includes home automation, fibre optic broadband, and double glazing. A lift services the building, and the sale includes one parking space plus a dedicated storage room. The communal facilities extend to a swimming pool and a gym, both shared with neighbouring residents.
Estepona's marina sits 800 metres west along the beachfront promenade, placing the fishing harbour, waterfront restaurants, and yacht berths within a ten-minute walk. The town centre lies just inland, with its weekly market, tapas bars, and renovated old quarter all within 500 metres. The apartment sits in an urbanisation that backs directly onto Playa del Cristo, one of Estepona's Blue Flag beaches, with the coastal path connecting you to neighbouring coves and beach clubs in both directions.
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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
- 2
- Built area
- 120 m²
- Terrace
- 20 m²
- Parking spaces
- 1
- Levels
- 1
- Condition
- Excellent
- Furniture
- Fully Furnished
- Pool
- Yes
- Gated community
- Yes
- Beachfront
- Yes
- Sea view
- Yes
- City
- Estepona
- Postcode
- 29680
- 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.
