For sale · Costa del Sol · Estepona
Available3-Bed Townhouse in Mar y Monte, Estepona
Residential complexMar y Monte
€695,000
3 beds · 3 baths · 204 m² built · 146 m² plot
Ref HT5513440Updated daily · Last sync 17 October 2026
About this property
Overview
Three-bedroom townhouse with private pool in Atalaya, Costa del Sol. This fully furnished property divides into a two-bedroom main residence and a self-contained one-bedroom guest apartment, the latter holding an active tourist licence that generates documented annual income. The dual-residence layout offers immediate flexibility for extended family, long-term rental potential, or a live-in-earn configuration that offsets ownership costs.
The main house provides 146 square metres of built space across two levels, with an east-facing 30-square-metre terrace that catches morning light. The guest studio operates independently with its own entrance, kitchen, bathroom, and sleeping area, making it suitable for short-term holiday lets without compromising privacy in the primary residence. Both units share access to 125 square metres of total terrace space, including a rooftop solarium that extends the outdoor living area. The 204 square metres of total built area sits on a 146-square-metre plot, with three bathrooms distributed across the property.
Mar y Monte is a low-rise Andalusian-style community in Atalaya with communal gardens and a shared pool. The complex sits 1.2 kilometres inland from the beach at Guadalmansa, a 15-minute walk or three-minute drive to the shoreline. Atalaya Golf & Country Club borders the northern edge of the neighbourhood, placing the property within a five-minute drive of two 18-hole courses and the clubhouse facilities.
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Features
What this home includes
- Pool
- Terrace
Property details
Specifications
- Property type
- Townhouse
- Subtype
- Townhouse
- Bedrooms
- 3
- Bathrooms
- 3
- Built area
- 204 m²
- Terrace
- 125 m²
- Plot size
- 146 m²
- Pool
- Yes
- Orientation
- east
- Complex
- Mar y Monte
- Area
- Atalaya
- City
- Estepona
- Province
- Málaga
- Coast
- Costa del Sol
Location
Atalaya, Estepona
Residential complexMar y MonteMap shows the Mar y Monte complex location. Exact unit address provided upon request. This property is in AtalayaEsteponaCosta del Sol.
9 questions answered
Buying this townhouse in Atalaya
Can foreigners buy property in Atalaya?
Yes. Spain places no restrictions on foreign buyers, EU and non-EU citizens can purchase freely in Atalaya. 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 Atalaya?
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.
