For sale · Costa del Sol · Estepona
Available3-Bed Penthouse in Mar y Sierra, Estepona
Residential complexMar y Sierra
€310,000
3 beds · 1 bath · 90 m² built
Ref HT5541697Updated daily · Last sync 11 November 2026
About this property
Overview
Three-bedroom penthouse with top-floor position in Estepona, Costa del Sol. This ninth-floor residence occupies the uppermost level of its building, accessed by lift to the eighth floor then a final flight of stairs, placing it above the neighbouring rooflines with uninterrupted sightlines across the Sierra Bermeja range, the Mediterranean, and Estepona's old town quarter. The 50-square-metre private terrace spans the width of the property, offering sufficient space for distinct outdoor zones.
Inside, the 90-square-metre layout accommodates three bedrooms, each with its own window providing cross-ventilation and natural light throughout the day. The single bathroom could be supplemented by a second, with plumbing infrastructure already positioned to support conversion of adjacent space. Part-furnished, the property retains its original 1975 configuration and presents an opportunity for complete interior reconfiguration. Every room benefits from external-facing windows, eliminating internal corridors and maximising daylight penetration from morning through to evening.
The Mar y Sierra complex stands on the northern edge of Estepona's urban centre, a five-minute walk from the cobbled streets of the old town where the Plaza de las Flores anchors the historic quarter. From this elevation, the building commands views that extend from the forested slopes of the sierra to the coastal strip below, with the town's fishing harbour visible 1.2 kilometres to the south. The terrace receives sun from mid-morning onwards, its western aspect capturing late-afternoon light across the mountain silhouette.
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Features
What this home includes
- Terrace
Property details
Specifications
- Property type
- Penthouse
- Subtype
- Penthouse
- Bedrooms
- 3
- Bathrooms
- 1
- Built area
- 90 m²
- Terrace
- 50 m²
- Levels
- 1
- Year built
- 1975
- Condition
- Good
- Furniture
- Part Furnished
- Complex
- Mar y Sierra
- City
- Estepona
- Postcode
- 29680
- Province
- Málaga
- Coast
- Costa del Sol
Location
Estepona
Residential complexMar y SierraMap shows the Mar y Sierra complex location. Exact unit address provided upon request. This property is in EsteponaCosta del Sol.
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.
