For sale · Costa del Sol · Marbella
Available3-Bed Apartment in Lomas de los Monteros, Marbella
Residential complexLomas de los Monteros
€498,350€524,350
3 beds · 3 baths · 164 m² built · 40 m² plot
Price reduced
Ref HT5538796Updated daily · Last sync 10 November 2026
About this property
Overview
Three-bedroom apartment with sea views in Altos de los Monteros, Costa del Sol. Floor-to-ceiling windows frame uninterrupted Mediterranean vistas from every room, whilst the south-facing orientation floods the 164-square-metre interior with natural light throughout the day. The 40-square-metre private garden offers complete privacy for outdoor dining and year-round entertaining against a mountain backdrop.
Inside, the layout delivers three double bedrooms and three bathrooms across a single level. The master suite includes an en-suite bathroom and direct terrace access. The open-plan living and dining area extends to a covered terrace through sliding glass doors, creating 204 square metres of combined indoor-outdoor living space. The kitchen connects to both the dining zone and the private garden. One designated parking space and optional furniture provide practical flexibility.
Lomas de los Monteros occupies an elevated position in Altos de los Monteros, with communal swimming pools and landscaped gardens maintained year-round. Marbella Golf & Country Club sits less than 2 kilometres away, whilst central Marbella lies 8 kilometres west along the coastal road. The property was completed in 2004 and remains in excellent condition with no renovation required.
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Features
What this home includes
- Pool
- Sea view
Property details
Specifications
- Property type
- Apartment
- Subtype
- Ground floor apartment
- Bedrooms
- 3
- Bathrooms
- 3
- Built area
- 164 m²
- Plot size
- 40 m²
- Parking spaces
- 1
- Levels
- 1
- Year built
- 2004
- Condition
- Excellent
- Furniture
- Optional
- Pool
- Yes
- Sea view
- Yes
- Orientation
- south
- Complex
- Lomas de los Monteros
- Area
- Altos de los Monteros
- City
- Marbella
- Postcode
- 29603
- Province
- Málaga
- Coast
- Costa del Sol
Location
Altos de los Monteros, Marbella
Residential complexLomas de los MonterosMap shows the Lomas de los Monteros complex location. Exact unit address provided upon request. This property is in Altos de los MonterosMarbellaCosta del Sol.
9 questions answered
Buying this apartment in Altos de los Monteros
Can foreigners buy property in Altos De Los Monteros?
Yes. Spain places no restrictions on foreign buyers, EU and non-EU citizens can purchase freely in Altos De Los Monteros. 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 Altos De Los Monteros?
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.
