For sale · Costa del Sol · Vélez-Málaga
Available4-Bed Finca for Sale in Costa del Sol East, Vélez-Málaga
€680,000
4 beds · 3 baths · 160 m² built · 8000 m² plot
Ref HT3467848Updated daily · Last sync 23 June 2026
About this property
Overview
Four-bedroom finca with private pool in Costa del Sol East, Vélez-Málaga, Costa del Sol. This 160sqm villa sits on 8,000sqm of irrigated land currently planted with mango trees, offering both a substantial rural property and an income-generating agricultural holding. The elevated position delivers sweeping views across the Vélez-Málaga valley to the Torre del Mar coastline, with glimpses of the Mediterranean on clear days.
The accommodation spreads across two floors, with two bedrooms on each level. All four bedrooms feature dual windows or private balconies, whilst the three bathrooms each include natural light from external windows. The ground floor opens to a large living room with fireplace and an expansive kitchen fitted with integrated appliances and a second fireplace. Direct access from the kitchen leads to an 80sqm covered porch, the pool terrace, and a separate storage room. A 60sqm solarium crowns the upper floor. The property comes fully furnished and includes parking space for five vehicles alongside the single garage.
The finca stands in a secluded rural enclave reached via a private one-kilometre concrete track, placing it 15 minutes by car from Vélez-Málaga town centre. Torre del Mar beach lies approximately 20 minutes away on the coast. The scale of the plot and the established mango cultivation mean the land extends well beyond the immediate garden, with irrigation systems already in place across the agricultural zone.
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Features
What this home includes
- Pool
- Terrace
Property details
Specifications
- Property type
- Finca
- Subtype
- Finca - cortijo
- Bedrooms
- 4
- Bathrooms
- 3
- Built area
- 160 m²
- Terrace
- 60 m²
- Plot size
- 8000 m²
- Parking spaces
- 1
- Levels
- 2
- Year built
- 1995
- Condition
- Excellent
- Furniture
- Fully Furnished
- Pool
- Yes
- Area
- Costa del Sol East
- City
- Vélez-Málaga
- Postcode
- 29718
- Province
- Málaga
- Coast
- Costa del Sol
Location
Costa del Sol East, Vélez-Málaga
Map shows the approximate Costa del Sol East, Vélez-Málaga area. Exact address provided upon request. This property is in Vélez-MálagaCosta del Sol.
Nearest beach
10 mindrive
Puerto Deportivo Caleta de Vélez
11 mindrive
Hospital Comarcal de La Axarquía
9 mindrive
Málaga Airport (AGP)
58 mindrive
9 questions answered
Buying this finca in Costa del Sol East
Can foreigners buy property in Vélez-Málaga?
Yes. Spain places no restrictions on foreign buyers, EU and non-EU citizens can purchase freely in Vélez-Málaga. 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 Vélez-Málaga?
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.
