For sale · Costa del Sol · Estepona
Available5-Bed Villa in La Panera, Estepona
Residential complexLa Panera
€2,500,000€3,000,000
5 beds · 8 baths · 697 m² built · 2025 m² plot
Price reduced
Ref HT5104306Updated daily · Last sync 27 October 2026
About this property
Overview
Five-bedroom villa with sea views in Selwo, Costa del Sol. This south-facing property occupies a 2,025-square-metre plot and captures views across the Mediterranean and surrounding golf courses from its elevated position. The 697-square-metre interior is arranged across three levels, each designed to make the most of the natural light and outlook.
The basement spans 300 square metres and houses a covered garage with space for three to four cars, a wine cellar, games room, gym, and two additional bedrooms with a shared bathroom. The ground floor contains the principal living areas: an entrance hall, sitting room, kitchen-dining area, and two en-suite bedrooms, each with a walk-in wardrobe. The upper floor holds three further bedrooms. In total, the villa provides eight bathrooms across its three storeys, and 95 square metres of covered terraces extend the living space outdoors. A private swimming pool sits within the south-facing garden.
The villa forms part of La Panera, a gated development in Selwo known for its proximity to several championship golf courses. Estepona's marina lies 10 minutes away by car, and the beachfront at Playa del Saladillo is accessible within five minutes. The property was completed in 2013 and remains in excellent condition throughout.
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Features
What this home includes
- Alarm system
- Private pool
- Beach view
- Countryside view
- Golf view
- Mountain view
- Pool view
- Sea view
- Private garden
- Air conditioning
- Fireplace
- Basement
- Double glazing
- Ensuite bathroom
- Fitted kitchen
- Guest apartment
- Storage room
- Utility room
- Covered parking
- Garage
- Private parking
- Solar panels
- Close to schools
- Terrace
Property details
Specifications
- Property type
- Villa
- Subtype
- Detached villa
- Bedrooms
- 5
- Bathrooms
- 8
- Built area
- 697 m²
- Terrace
- 95 m²
- Plot size
- 2025 m²
- Parking spaces
- 1
- Pool
- Yes
- Sea view
- Yes
- Golf view
- Yes
- Orientation
- South
- Complex
- La Panera
- Area
- La Panera
- City
- Estepona
- Province
- Málaga
- Coast
- Costa del Sol
Location
La Panera, Estepona
Residential complexLa PaneraMap shows the La Panera complex location. Exact unit address provided upon request. This property is in La PaneraEsteponaCosta del Sol.
9 questions answered
Buying this villa in La Panera
Can foreigners buy property in La Panera?
Yes. Spain places no restrictions on foreign buyers, EU and non-EU citizens can purchase freely in La Panera. 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 La Panera?
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.
