For sale · Costa del Sol · Estepona
Available4-Bed Apartment in La Concha – Resina Golf, Estepona
Residential complexLa Concha – Resina GolfGated community
€545,000
4 beds · 3 baths · 160 m² built
Ref HT5217886Updated daily · Last sync 29 October 2026
About this property
Overview
Four-bedroom apartment with sea views in Estepona, Costa del Sol. Arranged across three levels like a townhouse, this 160-square-metre triplex occupies both ground and top floors, delivering panoramic vistas that stretch from the Mediterranean to Gibraltar and the North African coast. South-facing orientation floods the interiors with natural light throughout the day, whilst the layout provides the privacy and separation of a semi-detached home within a secure apartment complex.
The main floor opens with a combined living and dining area that extends to a private terrace, followed by a fully fitted kitchen with direct access to outdoor space. Three double bedrooms occupy the upper level, including a master suite with an en-suite bathroom and its own terrace capturing those sea views. The ground floor houses a fourth bedroom with an independent entrance, plus a utility room and storage area. Part-furnished and built in 2010, the property includes one underground parking space and maintains good condition throughout.
La Concha – Resina Golf is a gated community with lift access, communal swimming pool, landscaped gardens, and on-site facilities including tennis and padel courts. The complex sits on Estepona's New Golden Mile, with Resina Golf Course immediately adjacent and the beach reachable in under five minutes by car. Puerto Banús lies 10 minutes west, whilst Estepona town centre with its marina and old quarter is a similar distance east along the coastal road.
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Features
What this home includes
- Panoramic view
- Sea view
- Solarium
- Air conditioning
- Central heating
- Fitted kitchen
- Fitted wardrobes
- Storage room
- Garage
- Fibre internet
- Beachside
- Close to the sea
- Urbanisation
Property details
Specifications
- Property type
- Apartment
- Subtype
- Duplex
- Bedrooms
- 4
- Bathrooms
- 3
- Built area
- 160 m²
- Parking spaces
- 1
- Pool
- Yes
- Gated community
- Yes
- Sea view
- Yes
- Orientation
- South
- Complex
- La Concha – Resina Golf
- Area
- La Concha-Resina Golf
- City
- Estepona
- Province
- Málaga
- Coast
- Costa del Sol
Location
La Concha-Resina Golf, Estepona
Residential complexLa Concha – Resina GolfMap shows the La Concha – Resina Golf complex location. Exact unit address provided upon request. This property is in La Concha-Resina GolfEsteponaCosta del Sol.
9 questions answered
Buying this apartment in La Concha-Resina Golf
Can foreigners buy property in La Concha Resina Golf?
Yes. Spain places no restrictions on foreign buyers, EU and non-EU citizens can purchase freely in La Concha Resina Golf. 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 La Concha Resina Golf?
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.
