For sale · Costa del Sol · Estepona
Available5-Bed Townhouse in Belgravia Club, Estepona
Residential complexBelgravia ClubGated community
€895,000
5 beds · 4 baths · 169 m² built
Ref HT5325220Updated daily · Last sync 14 November 2026
About this property
Overview
Five-bedroom townhouse with beachfront position in Estepona, Costa del Sol. The property sits directly on the seafront with unobstructed sea views from multiple bedrooms and terraces, whilst a separate guest studio provides 169 square metres of independent living space away from the main residence.
The layout delivers four principal bedrooms plus scope to convert lower-level space into a fifth bedroom or home office, alongside four bathrooms across three floors. The living room opens onto a south-facing terrace spanning 50 square metres, with additional terraces capturing morning light from the southeast through to evening sun from the southwest. The property comes fully furnished and includes one parking space within the gated complex. A guest studio functions as a self-contained unit, allowing the main house to remain private when accommodating visitors or generating rental income.
Belgravia Club occupies a frontline beachfront plot with direct sand access, communal pool, manicured gardens, and 24-hour security. The complex operates an exclusive clubhouse containing four guest rooms that residents can reserve for visiting family. Estepona's old town sits 3 kilometres west along the coastal promenade, whilst the marina lies 2.5 kilometres in the opposite direction. The development permits short-term rentals, and the guest studio operates independently with its own entrance and facilities.
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Features
What this home includes
- Alarm system
- Beach view
- Pool view
- Sea view
- Solarium
- Central heating
- Basement
- Ensuite bathroom
- Fitted kitchen
- Fitted wardrobes
- Furnished
- Guest apartment
- Fibre internet
- Beachfront
- Beachside
- Close to marina
- Close to schools
- Close to the sea
- Close to town
- Frontline beach
- Urbanisation
- Terrace
Property details
Specifications
- Property type
- Townhouse
- Subtype
- Townhouse
- Bedrooms
- 5
- Bathrooms
- 4
- Built area
- 169 m²
- Terrace
- 50 m²
- Parking spaces
- 1
- Levels
- 4
- Year built
- 1989
- Condition
- Excellent
- Furniture
- Fully Furnished
- Pool
- Yes
- Gated community
- Yes
- Beachfront
- Yes
- Sea view
- Yes
- Orientation
- South East, South, South West, West
- Complex
- Belgravia Club
- City
- Estepona
- Postcode
- 29680
- Province
- Málaga
- Coast
- Costa del Sol
Location
Estepona
Residential complexBelgravia ClubMap shows the Belgravia Club complex location. Exact unit address provided upon request. This property is in EsteponaCosta del Sol.
Playa del Cristo
6 minwalk
Azata Golf
9 mindrive
Puerto Deportivo
1 mindrive
Instituto Mediterráneo
3 mindrive
ALDI
2 mindrive
Eroski
3 mindrive
Carrefour
4 minwalk
Hospital de Alta Resolución de Estepona
7 mindrive
Farmacia Puerto Alto
5 minwalk
Carrefour
6 mindrive
Estepona
6 mindrive
25 restaurants & bars
within 12 minwalk
Málaga Airport (AGP)
69 mindrive
Gibraltar Airport (GIB)
44 mindrive
Beachside, south of the coastal road (A-7), close to the Mediterranean.
9 questions answered
Buying this townhouse 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.
