For sale · Costa del Sol · Estepona
Available3-Bed Penthouse for Sale in Estepona
€595,000
3 beds · 2 baths · 137 m² built
Ref HT5526013Updated daily · Last sync 27 October 2026
About this property
Overview
Three-bedroom penthouse with top-floor position in Estepona, Costa del Sol. This 137-square-metre apartment occupies the entire uppermost level of a building in the town centre, delivering the privacy and outlook of a top-floor residence without the premium typically attached to newer coastal developments.
Inside, the layout provides three double bedrooms and two full bathrooms across a single level, with 12 square metres of terrace space extending from the main living area. The property was built in 1977 and remains in excellent condition, requiring no immediate works. Ceilings throughout reach the generous proportions typical of that era, and the total built area of 137 square metres allows for proper separation between sleeping and living zones. Furniture is available by separate negotiation. The apartment benefits from natural cross-ventilation due to its top-floor position, and the absence of neighbours above eliminates footfall noise entirely.
The building stands within a five-minute walk of Playa de la Rada, Estepona's main town beach, and the same distance from the historic old quarter with its whitewashed streets and weekend market. Estepona port lies 800 metres to the east, accessible on foot along the coastal promenade. The town's recent investment in cultural infrastructure includes the Orchidarium botanical garden and the Palacio de Congresos, both within 10 minutes' walk of the property.
Read moreRead less
Features
What this home includes
- Terrace
Property details
Specifications
- Property type
- Penthouse
- Subtype
- Penthouse
- Bedrooms
- 3
- Bathrooms
- 2
- Built area
- 137 m²
- Terrace
- 12 m²
- City
- Estepona
- 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 penthouse 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.
