For sale · Costa del Sol · Cártama
Available3-Bed Finca for Sale in Pizarra, Cártama
€649,000
3 beds · 2 baths · 200 m² built · 11519 m² plot
Ref HT5506168Updated daily · Last sync 31 October 2026
About this property
Overview
Three-bedroom finca with private pool in Cártama, Costa del Sol. Set on an expansive 11,519sqm plot in the elevated La Casería area of the Guadalhorce Valley, this property commands mountain views from multiple terraces and includes a separate casita with rental licence. The main villa spans 200sqm and holds the Licencia de Primera Ocupación, confirming full legal compliance.
The living spaces centre on a double-height lounge that opens to a covered veranda and connects directly to the kitchen. Outside, 50sqm of terrace wraps around the pool area, with additional lounge zones positioned beneath established trees. The two bathrooms serve three bedrooms across the main house, while the detached casita functions as a self-contained guest suite or income-generating rental. One parking space sits on paved hardstanding accessed via a sealed private road.
Cártama Pueblo, with its whitewashed streets and weekly market, lies 4km to the north. The property sits 25 minutes from Málaga airport via the A-357, placing the coast within a half-hour drive while retaining the quiet of rural Andalucía. The Guadalhorce Valley offers hiking trails and birdwatching sites along the reservoir system, all within 10 minutes of the finca.
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Features
What this home includes
- Private pool
- Countryside view
- Mountain view
- Panoramic view
- Pool view
- Private garden
- Air conditioning
- Guest apartment
- Garage
- Terrace
Property details
Specifications
- Property type
- Finca
- Subtype
- Finca - cortijo
- Bedrooms
- 3
- Bathrooms
- 2
- Built area
- 200 m²
- Terrace
- 50 m²
- Plot size
- 11519 m²
- Parking spaces
- 1
- Levels
- 1
- Year built
- 2004
- Condition
- Good
- Pool
- Yes
- Orientation
- South
- Energy rating
- F
- CO₂ rating
- E
- Area
- Pizarra
- City
- Cártama
- Postcode
- 29569
- Province
- Málaga
- Coast
- Costa del Sol
Location
Pizarra, Cártama
Map shows the approximate Pizarra, 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 Pizarra
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.
