For sale · Costa del Sol · Estepona
Available3-Bed Apartment for Sale in Estepona
€850,000
3 beds · 2 baths · 138 m² built · 70 m² plot
Ref HT5513428Updated daily · Last sync 16 October 2026
About this property
Overview
Three-bedroom apartment with beachfront position in Estepona, Costa del Sol. Direct access from the 70sqm private garden onto Playa del Moral means the Mediterranean sits just metres from the terrace doors. The primary bedroom opens through sliding glass to a 27sqm covered patio, with an en-suite bathroom and unobstructed sunrise views across the water each morning.
Inside, 138sqm of built space includes an open-plan kitchen with a large counter suited to informal meals, two guest bedrooms sharing a second bathroom, and living areas that connect directly to the outdoor spaces. The apartment comes fully furnished and benefits from a parking space within the development. A communal pool serves the building, though the beachfront garden and covered terrace provide the main outdoor focus. The layout prioritises the connection between interior rooms and the garden, with multiple access points from the living spaces.
Playa del Moral stretches along this section of Estepona's western coastline, a quieter beach compared to the town centre strips. Estepona Port sits approximately 2 kilometres east, reachable in under five minutes by car, with its restaurants and marina berths. The property was built in 1989 and remains in good condition, positioned to make the most of the immediate beach access that defines this stretch of the Costa del Sol.
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Features
What this home includes
- Pool
- Sea view
- Beachfront
- Terrace
Property details
Specifications
- Property type
- Apartment
- Subtype
- Ground floor apartment
- Bedrooms
- 3
- Bathrooms
- 2
- Built area
- 138 m²
- Terrace
- 27 m²
- Plot size
- 70 m²
- Parking spaces
- 1
- Pool
- Yes
- Beachfront
- Yes
- Sea view
- Yes
- 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.
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