For sale · Costa del Sol · Pizarra
Available4-Bed Finca for Sale in Pizarra
€450,000
4 beds · 3 baths · 137 m² built · 3200 m² plot
Ref HT5064880Updated daily · Last sync 27 October 2026
About this property
Overview
Four-bedroom finca with private pool in Pizarra, Costa del Sol. Set on an elevated 3,200sqm plot, this property commands uninterrupted mountain views across the Guadalhorce valley from every angle. The land unfolds across terraced levels, each section designed with its own character, while the 137sqm main residence and separate guest studio provide flexible accommodation across two distinct buildings.
The main house contains three double bedrooms and two bathrooms, with a south-east orientation that fills the living spaces with morning light. A detached guest studio offers one additional bedroom, one bathroom, and an enclosed winter terrace that functions as an all-season sitting room. The outdoor areas include a 10sqm terrace adjoining the main house, a dedicated barbecue zone beside the swimming pool with built-in seating, and multiple planted sections throughout the plot that create natural divisions between entertaining and private zones. The property comes fully furnished, with established gardens that require seasonal maintenance.
Pizarra sits in the Guadalhorce valley, 30 minutes north of Málaga city and equidistant between the white villages of Álora and Cártama. The town centre lies three minutes' drive downhill, where you'll find supermarkets, pharmacies, and the weekly Friday market. Málaga-Costa del Sol Airport is 35 minutes away via the A-343 and A-357. The finca's elevated position places it above the valley floor, with access via a paved road that becomes a short gravel track for the final approach.
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Features
What this home includes
- Private pool
- Countryside view
- Mountain view
- Panoramic view
- Pool view
- Barbecue
- Private garden
- Air conditioning
- Fireplace
- Fitted kitchen
- Fitted wardrobes
- Furnished
- Storage room
- Utility room
- Mains gas
- Close to town
- Near public transport
- Terrace
Property details
Specifications
- Property type
- Finca
- Subtype
- Finca - cortijo
- Bedrooms
- 4
- Bathrooms
- 3
- Built area
- 137 m²
- Terrace
- 10 m²
- Plot size
- 3200 m²
- Pool
- Yes
- Orientation
- South East
- City
- Pizarra
- Province
- Málaga
- Coast
- Costa del Sol
Location
Pizarra
Map shows the approximate Pizarra area. Exact address provided upon request. This property is in PizarraCosta del Sol.
Hospital Valle del Guadalhorce
13 mindrive
Málaga Airport (AGP)
36 mindrive
9 questions answered
Buying this finca in Pizarra
Can foreigners buy property in Pizarra?
Yes. Spain places no restrictions on foreign buyers, EU and non-EU citizens can purchase freely in Pizarra. 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 Pizarra?
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.
