Spacious Three-Bedroom Apartment with Terrace in Estepona

€399,000€2,404/m²

3
bedrooms
2
bathrooms
166 m²
interior
Apartment
property type
29 May 2026
listed

The Habio take

AI summary

This south-facing, top-floor apartment boasts 166 m² of living space and a private terrace, perfect for enjoying the Spanish sun. Located in the Huerta Nueva area of Estepona, it's only a short stroll to the beach, marina, and historic centre.

beach
family
city
investment
retirement

Highlights

166 m² internal area
Private terrace
Garage included
Arranged over two levels
Short walk to beach and marina

Worth knowing

No lift mentioned

Good fit for: Ideal for families or those seeking a coastal lifestyle.

Lifestyle scores

Beach: 90
Walkable: 85
Remote work: 70
Family: 80
Retirement: 85
Airport access: 70
Investment: 75
Luxury: 70
Value: 65

About this place

South-facing top-floor apartment located in the Huerta Nueva area of Estepona. The property is arranged over two levels and includes a spacious private terrace and garage, all within a short walk of the beach, marina and the historic centre.

Buying property in Spain

Full guide →

Spain welcomes foreign buyers with no nationality restrictions. The buyer needs an NIE (Número de Identidad de Extranjero) before completion, and most buyers open a Spanish bank account to handle the deposit and ongoing charges. An independent lawyer (abogado) is strongly recommended — the notario only checks the deed, not the wider title.

1
Get an NIE
Apply for the foreign-resident tax number at a Spanish consulate, police station, or via a representative with power of attorney.
2
Open a Spanish bank account
Needed for the deposit, taxes, mortgage payments, and utilities.
3
Engage an independent lawyer
Lawyer runs title, debts, planning, and community-of-owners checks — the notario will not.
4
Reservation contract
Small deposit (€3,000–€10,000) takes the property off the market while due diligence runs.
5
Sign the contrato de arras
Private purchase contract with a 10% deposit. If the buyer pulls out they lose it; if the seller pulls out they pay double.
6
Sign the escritura pública
Final public deed signed before a notario; balance and taxes paid; keys handed over.
7
Register the property
Lawyer registers the deed at the Registro de la Propiedad and arranges utility and IBI transfers.

Spain ended its Golden Visa property route in April 2025. Non-resident mortgages are widely available, typically 60–70% LTV. Non-resident sellers face a 3% withholding from the sale price (retención), claimable against capital gains tax. Always check community-of-owners (comunidad) debts and outstanding IBI before completion — they transfer with the property.

General guidance only — confirm specifics with a qualified local lawyer or tax adviser. Reference