For sale · Costa del Sol · Estepona
Available3-Bed Apartment for Sale in Estepona
€399,000
3 beds · 2 baths · 110 m² built
Ref HT5534923Updated daily · Last sync 4 November 2026
About this property
Overview
Three-bedroom apartment with sea views in Estepona, Costa del Sol. The living room opens directly onto a 10-square-metre terrace where partial Mediterranean views stretch across the rooftops, close enough to catch the light shifting across the water throughout the day.
Inside, the 110-square-metre layout separates the master bedroom with its en-suite bathroom and bathtub from two further double bedrooms that share a second bathroom fitted with a walk-in shower. The living room runs the width of the apartment, with terrace access framing the space in natural light. The kitchen comes part-furnished, and one parking space is included. Built in 2004 and maintained in good condition, the apartment retains clean lines and functional proportions without requiring immediate work.
The building sits 300 metres from Playa de la Rada, reachable on foot in under five minutes. Estepona's old town centre lies a ten-minute walk inland, and the immediate streets hold supermarkets, pharmacies, and primary schools within a two-block radius. Restaurants line the promenade, and the marina stretches west along the coast. The location works for year-round living or seasonal use, with the beach close enough to hear the surf on quiet evenings and the town accessible without needing a car for daily errands.
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Features
What this home includes
- Sea view
- Terrace
Property details
Specifications
- Property type
- Apartment
- Subtype
- Middle floor apartment
- Bedrooms
- 3
- Bathrooms
- 2
- Built area
- 110 m²
- Terrace
- 10 m²
- Parking spaces
- 1
- Levels
- 2
- Year built
- 2004
- Condition
- Good
- Furniture
- Part Furnished
- 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.
