Four-Bedroom House with Terrace in Estepona City
€690,000€3,730/m²
Estepona City, Costa del Sol, Spain
4
bedrooms
3
bathrooms
185 m²
interior
House
property type
29 May 2026
listed
The Habio take
AI summaryThis spacious four-bedroom house in Estepona City features multiple levels of living space, including a terrace and patio area overlooking a park. Ideally located within walking distance to shops, restaurants, and the town centre, it offers an excellent lifestyle in the heart of Costa del Sol.
- city
- family
- walkable
- quiet
Highlights
- Four spacious bedrooms
- 185 m² internal area
- Terraces and patio overlooking park
- Spacious basement
- Walking distance to amenities
Worth knowing
- Stairs may be challenging for some
- No garden space mentioned
Good fit for: This property is best suited for families or those seeking a lively community atmosphere.
Lifestyle scores
- Beach
- 70
- Walkable
- 85
- Remote work
- 70
- Family
- 80
- Retirement
- 65
- Airport access
- 60
- Investment
- 75
- Luxury
- 70
- Value
- 80
About this place
The property offers four floors of living space, terraces, patio area facing a park and a spacious basement, all within walking distance of shops, restaurants and the 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
