For sale · Costa del Sol · Estepona
Available4-Bed Finca for Sale in Estepona
€1,740,000
4 beds · 3 baths · 160 m² built · 10000 m² plot
Ref HT5460985Updated daily · Last sync 27 October 2026
About this property
Overview
Four-bedroom finca with sea views in Estepona, Costa del Sol. The property occupies a 10,000sqm plot planted with fruit trees and olive groves, with enough open terrain to accommodate horses alongside the established gardens. Built across 160sqm on a single level, the layout eliminates stairs entirely and opens directly onto views that stretch to the Mediterranean.
Inside, four bedrooms share three bathrooms across a practical floor plan designed for ground-level living. The kitchen connects to a 30sqm terrace that faces the coast, and the living spaces benefit from natural light without upper-floor shadows. Two separate entrances, each fitted with electric gates, provide access from the paved approach road. A private pool sits within the grounds, surrounded by mature planting that includes working olive trees.
The finca lies in the westernmost reaches of Estepona, five minutes by car from the beach at Guadalmansa. The plot's scale offers privacy while keeping supermarkets, restaurants and the town centre within a short drive. Electric gates at both entry points secure the property, and the paved access road connects directly to the main coastal routes without requiring off-road travel.
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Features
What this home includes
- Private pool
- Mountain view
- Panoramic view
- Sea view
- Air conditioning
- Fireplace
- Close to marina
- Close to schools
- Close to the sea
- Close to town
- Terrace
Property details
Specifications
- Property type
- Finca
- Subtype
- Finca - cortijo
- Bedrooms
- 4
- Bathrooms
- 3
- Built area
- 160 m²
- Terrace
- 30 m²
- Plot size
- 10000 m²
- Pool
- Yes
- Sea view
- Yes
- Orientation
- South
- 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 finca 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.
