For sale · Costa del Sol · Cártama
Available3-Bed Finca for Sale in Cártama
€549,000
3 beds · 3 baths · 560 m² built · 12880 m² plot
Ref HT5424391Updated daily · Last sync 10 October 2026
About this property
Overview
Three-bedroom finca with private pool in Cártama, Costa del Sol. The property sits on over 12,000 square metres of land and commands sweeping mountain views across the Guadalhorce Valley from its elevated position in Gibralgalia.
The 560-square-metre build spreads across two storeys, with the principal living areas arranged on a single level for ease of access. Three double bedrooms each come with an en-suite bathroom, and the open-plan living and dining spaces connect directly to covered terraces that wrap around the south-facing façade. A separate utility room adjoins the kitchen, and a large double garage with adjacent storage room occupies the ground floor. The underbuild remains unfinished and offers scope to add a home office, guest suite, or cinema room, subject to planning consent.
The finca stands in the Gibralgalia district, accessed by a tarmac road with a final 400-metre stretch of well-maintained dirt track. Cártama Pueblo, with its weekly market and collection of tapas bars around Plaza de Andalucía, lies 15 minutes' drive to the east. Málaga Airport is 35 minutes by car along the A-357.
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Features
What this home includes
- Pool
Property details
Specifications
- Property type
- Finca
- Subtype
- Finca - cortijo
- Bedrooms
- 3
- Bathrooms
- 3
- Built area
- 560 m²
- Plot size
- 12880 m²
- Pool
- Yes
- Energy rating
- E
- City
- Cártama
- Province
- Málaga
- Coast
- Costa del Sol
Location
Cártama
Map shows the approximate Cártama area. Exact address provided upon request. This property is in CártamaCosta del Sol.
Lauro Golf
23 mindrive
Policlinica Lacibis Cartama
5 mindrive
Málaga Airport (AGP)
25 mindrive
9 questions answered
Buying this finca in Cártama
Can foreigners buy property in Cártama?
Yes. Spain places no restrictions on foreign buyers, EU and non-EU citizens can purchase freely in Cártama. 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 Cártama?
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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