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Ground Floor Apartment in Estepona

Estepona, Málaga · Ref. R5521174

2
Bedrooms
1
baths
60
m² built

Description

Charming ground-floor property located in the heart of town, offering a very convenient location with all essential services within easy reach. The home features an open-plan kitchen and living area, creating a bright and welcoming space ideal for everyday living. There is also a small separate utility room where the washing machine and tumble dryer are installed. The apartment features two interconnecting bedrooms, with access to the main double bedroom and its en-suite bathroom through the adjoining single bedroom. This flexible layout offers a variety of possibilities, with the second bedroom equally suited for use as a dressing room, nursery, home office or study, depending on individual needs. Further features include air conditioning and exterior security bars. Its central location means that shops, schools, public transport ‌and ‌a ‌wide ‌range ‌of everyday ‌services are all ‌just ‌a ‌short ‌distance ‌away, making this property an ‌excellent option both as ‌a ‌permanent ‌residence ‌and ‌as ‌an ‌investment.

Features

  • ✓Close To Shops
  • ✓Close To Sea
  • ✓Close To Town
  • ✓Close To Schools
  • ✓South East
  • ✓Recently Renovated
  • ✓Air Conditioning
  • ✓Central Heating
  • ✓Urban
  • ✓Street
  • ✓Fitted Wardrobes
  • ✓Near Transport

Mortgage

30% · €85,500
3.8%
20 yrs
Monthly payment€1,188€199,500 · total interest €85,622

Spanish banks typically lend non-residents 60–70% of the price, usually over max. 20–25 years. Rate: Euribor (3.25% Sep 2026) + bank margin. Indicative only.

Total purchase costs

Andalusia 2026 – taxes, fees and advice

Purchase price
€285,000
Transfer tax (ITP)7 %
€19,950
Notary
€600
Land Registry
€428
Lawyer (incl. 21 % IVA)
€3,449
NIE, bank account, gestoría etc.
€500
Total costs · 8.7 % of the price€24,926
Total incl. costs€309,926

Indicative estimate – not a binding quote. 2026 Andalusian rates; actual fees depend on notary, bank and your situation. Always get a final estimate from your lawyer.

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