For sale · Costa del Sol · Pizarra
Available3-Bed Finca for Sale in Pizarra
Gated community
€632,500
3 beds · 1 bath · 153 m² built · 120000 m² plot
Ref HT4191214Updated daily · Last sync 27 October 2026
About this property
Overview
Three-bedroom finca with private pool in Pizarra, Costa del Sol. The property sits on 12 hectares of land accessed via a private gated entrance, offering complete privacy and the space to create a self-sufficient lifestyle or agricultural project. A covered barbecue area adjoins the pool terrace, and a separate registered outbuilding at the rear provides scope for conversion into guest accommodation or a rental unit.
The main house spans 153 square metres across a single level, with dual entrances through the kitchen and hallway. Three large bedrooms share one family bathroom, whilst a separate dining room and living area provide distinct spaces for everyday life. The property includes one parking space within the gated grounds, and a 50-square-metre terrace extends the living space outdoors. The finca benefits from mountain views and multi-aspect orientation capturing light throughout the day. A storage room adds practical utility to the layout.
Pizarra sits in the Guadalhorce Valley, 30 kilometres inland from Málaga city centre and 35 minutes by car from the coast. The village centre lies four minutes from the property via the main road, providing access to local shops and services. The finca's elevated valley position delivers views across agricultural land towards the surrounding sierra, with the terrain suited to olive cultivation or equestrian use. The registered outbuilding measures approximately 40 square metres and holds potential for conversion subject to planning permissions.
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Features
What this home includes
- Private pool
- Countryside view
- Mountain view
- Panoramic view
- Barbecue
- Private garden
- Fireplace
- Storage room
- Utility room
- Covered parking
- Private parking
- Terrace
Property details
Specifications
- Property type
- Finca
- Subtype
- Finca - cortijo
- Bedrooms
- 3
- Bathrooms
- 1
- Built area
- 153 m²
- Terrace
- 50 m²
- Plot size
- 120000 m²
- Parking spaces
- 1
- Pool
- Yes
- Gated community
- Yes
- Orientation
- North, East, South, West
- City
- Pizarra
- Province
- Málaga
- Coast
- Costa del Sol
Location
Pizarra
Map shows the approximate Pizarra area. Exact address provided upon request. This property is in PizarraCosta del Sol.
Hospital Valle del Guadalhorce
13 mindrive
Málaga Airport (AGP)
36 mindrive
9 questions answered
Buying this finca in Pizarra
Can foreigners buy property in Pizarra?
Yes. Spain places no restrictions on foreign buyers, EU and non-EU citizens can purchase freely in Pizarra. 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 Pizarra?
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.
