For sale · Costa del Sol · Pizarra
Available3-Bed Finca for Sale in Pizarra
Gated community
€319,000
3 beds · 1 bath · 89 m² built · 9035 m² plot
Ref HT5371519Updated daily · Last sync 27 October 2026
About this property
Overview
Three-bedroom finca with private pool in Pizarra, Costa del Sol. This south-facing property sits on over 9,000 square metres of fully fenced land, accessed through a secure gated entrance with parking for three vehicles. The 89-square-metre main house centres around an open-plan living and kitchen area flanked by two bedrooms, with a third bedroom housed in a separate 50-square-metre building that could function as independent guest accommodation.
The main residence features air conditioning throughout, with exterior shutters and fly screens fitted to all windows. The living space opens onto a covered terrace that runs the width of the property, whilst the additional outbuilding offers flexible use as a studio, rental unit or extended family quarters. A bathroom with shower serves the main house, and an outdoor kitchen sits beneath a pergola near the swimming pool. The 2001-built property comes fully furnished and benefits from mains electricity and water connections.
The finca lies in the countryside between Pizarra and Álora, two traditional whitewashed villages in the Guadalhorce Valley. Pizarra town centre sits 3 kilometres away, where you'll find supermarkets, banks and local restaurants. The property enjoys rural views across almond and olive groves, with the Sierra de las Nieves mountain range visible to the west. Málaga airport is a 35-minute drive via the A-357, and the coastal resorts of Torremolinos and Fuengirola lie 40 minutes south.
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Features
What this home includes
- Private pool
- Countryside view
- Barbecue
- Private garden
- Air conditioning
- Fitted kitchen
- Furnished
- Guest apartment
- Storage room
- Utility room
- Private parking
- Fibre internet
- Close to town
- Near public transport
- Terrace
Property details
Specifications
- Property type
- Finca
- Subtype
- Finca - cortijo
- Bedrooms
- 3
- Bathrooms
- 1
- Built area
- 89 m²
- Terrace
- 50 m²
- Plot size
- 9035 m²
- Parking spaces
- 1
- Pool
- Yes
- Gated community
- Yes
- Orientation
- South
- 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.
