Spacious Three-Bedroom Apartment with Private Terrace in Estepona
€475,000€4,358/m²
Estepona City, Costa del Sol, Spain
3
bedrooms
2
bathrooms
109 m²
interior
Apartment
property type
29 May 2026
listed
The Habio take
AI summaryThis well-appointed three-bedroom apartment offers a comfortable living space with a private terrace and parking. Located in Estepona City, just a short distance from the beach, it provides a perfect blend of urban convenience and coastal living.
- beach
- family
- investment
- pool
- walkable
Highlights
- 109 m² internal area
- Southeast orientation for ample natural light
- Private terrace for outdoor relaxation
- Access to community pool and gardens
- Located near the beach and town centre
- Parking included
Worth knowing
- No lift mentioned
- Second-floor unit may not suit all buyers
Good fit for: Ideal for families or those seeking a vibrant coastal lifestyle.
Lifestyle scores
- Beach
- 85
- Walkable
- 75
- Remote work
- 65
- Family
- 80
- Retirement
- 75
- Airport access
- 60
- Investment
- 70
- Luxury
- 60
- Value
- 65
About this place
Second-floor home with southeast orientation, private terrace and parking. Set within an established residential community with pool and gardens, close to the beach and town centre.
Buying property in Spain
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
