For sale · Costa del Sol · Estepona
Available5-Bed Villa for Sale in Estepona
€925,000
5 beds · 3 baths · 180 m² built
Ref HT5528092Updated daily · Last sync 11 November 2026
About this property
Overview
Five-bedroom villa in Estepona, Costa del Sol. This fully furnished Andalusian-style building in the old town comprises three separate apartments across three floors, offering flexible living or rental potential. The 180-square-metre property includes two one-bedroom apartments and one two-bedroom apartment, each with individual access and air conditioning throughout.
The building's layout maximises the 180 square metres with three distinct living spaces, each self-contained. All three bathrooms serve the five bedrooms across the apartments, whilst the fully furnished interiors mean the property is ready for immediate use. The car-free location in the historic quarter provides a quiet setting away from traffic, and the three-floor configuration allows for privacy between units. Each apartment has been designed to retain traditional Andalusian character whilst incorporating modern climate control systems.
The villa sits within Estepona's old town, a pedestrianised area that attracts year-round visitors to its whitewashed streets and traditional plazas. The property is a five-minute walk from Plaza de las Flores, the town's central square. Estepona's beaches lie 800 metres from the old town, accessible on foot in approximately ten minutes.
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Property details
Specifications
- Property type
- Villa
- Subtype
- Detached villa
- Bedrooms
- 5
- Bathrooms
- 3
- Built area
- 180 m²
- Levels
- 2
- Furniture
- Fully Furnished
- City
- Estepona
- Postcode
- 29680
- Province
- Málaga
- Coast
- Costa del Sol
Location
Estepona
Map shows the approximate Estepona area. Exact address provided upon request. This property is in EsteponaCosta del Sol.
La Rada
4 mindrive
Azata Golf
14 mindrive
Puerto Estepona
4 mindrive
Hospital de Alta Resolución de Estepona
11 mindrive
Málaga Airport (AGP)
70 mindrive
9 questions answered
Buying this villa 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.
