For sale · Costa del Sol · Cártama
Available4-Bed Finca in el sexmo, Cártama
Residential complexel sexmo
€160,000€190,000
4 beds · 1 bath · 115 m² built · 5374 m² plot
Price reduced
Ref HT4952752Updated daily · Last sync 10 October 2026
About this property
Overview
Four-bedroom finca with mountain views in Cártama, Costa del Sol. This single-storey property sits on a fully fenced plot of 5,374 square metres, offering complete privacy and uninterrupted views across the Sierra de Cártama. The land provides ample space for horses, livestock, or simply enjoying the surrounding countryside without immediate neighbours.
Inside, 115 square metres of living space includes a separate kitchen, a living room with a working fireplace, and four generously proportioned bedrooms served by one bathroom. The orientation spans all compass points, flooding the rooms with natural light throughout the day. Outside, a 50-square-metre terrace extends the living area, while a dedicated barbecue zone creates an outdoor cooking and dining space ideal for year-round entertaining. The property was built in 1998 and remains in good condition, with the original structure requiring no immediate renovation work.
The finca lies in the El Sexmo area of Cártama, a rural zone that maintains agricultural character while remaining accessible to amenities. Cártama town centre sits approximately four kilometres away, providing supermarkets, restaurants, and the commuter rail station with direct connections to Málaga. The plot's size and flat topography allow for potential expansion, agricultural use, or the installation of a private pool subject to the necessary permissions.
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Features
What this home includes
- Countryside view
- Mountain view
- Fireplace
- Fitted kitchen
- Close to schools
- Terrace
Property details
Specifications
- Property type
- Finca
- Subtype
- Finca - cortijo
- Bedrooms
- 4
- Bathrooms
- 1
- Built area
- 115 m²
- Terrace
- 50 m²
- Plot size
- 5374 m²
- Orientation
- North, North East, East, South East, South, South West, West, North West
- Complex
- el sexmo
- City
- Cártama
- Province
- Málaga
- Coast
- Costa del Sol
Location
Cártama
Map shows the approximate Cártama area. The exact position of el sexmo is not published. This property is in CártamaCosta del Sol.
Lauro Golf
23 mindrive
Policlinica Lacibis Cartama
5 mindrive
Málaga Airport (AGP)
25 mindrive
9 questions answered
Buying this finca in Cártama
Can foreigners buy property in Cártama?
Yes. Spain places no restrictions on foreign buyers, EU and non-EU citizens can purchase freely in Cártama. 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 Cártama?
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.
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