For sale · Costa del Sol · Cártama
Available5-Bed Finca for Sale in Cártama
€599,000
5 beds · 1 bath · 253 m² built · 8000 m² plot
Ref HT5336050Updated daily · Last sync 10 October 2026
About this property
Overview
Five-bedroom finca with sea views in Cártama, Costa del Sol. The property sits on an 8,000sqm plot that stretches across hillside terrain, offering glimpses of the Mediterranean from the upper level where the main living spaces are positioned.
Inside, 253sqm of built space accommodates five double bedrooms, one full bathroom, and a separate WC across a single-storey layout. The ground-level entrance opens to a central living area with direct access to each bedroom wing. Original terracotta floors run throughout the interior rooms, while exposed wooden ceiling beams span the main reception space. The kitchen retains its 2000-era cabinetry and connects to a separate utility room with exterior access. One parking space sits adjacent to the main entrance, with additional vehicle storage available on the plot's lower terraced section.
The finca occupies a rural position 4.5km north of Cártama village centre, where weekly markets and local shops cluster around Plaza de Andalucía. The hillside setting provides unobstructed sightlines across almond groves and olive terraces that characterise this stretch of the Guadalhorce Valley. Málaga Airport lies 25 minutes south via the A-357, while the coastal towns of Torremolinos and Fuengirola sit 30 minutes away by car. The plot's southern boundary runs parallel to a dirt track used by neighbouring agricultural properties, with the nearest occupied residence standing approximately 200 metres to the east.
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Features
What this home includes
- Sea view
- Solarium
- Central heating
- Storage room
- Garage
Property details
Specifications
- Property type
- Finca
- Subtype
- Finca - cortijo
- Bedrooms
- 5
- Bathrooms
- 1
- Built area
- 253 m²
- Plot size
- 8000 m²
- Parking spaces
- 1
- Sea view
- Yes
- City
- Cártama
- Province
- Málaga
- Coast
- Costa del Sol
Location
Cártama
Map shows the approximate Cártama area. Exact address provided upon request. 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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