New-Build 2-Bedroom Apartment in Arroyo Enmedio, Estepona
Arroyo Enmedio, Estepona · Malaga
2 Chambres2 Salles de bain105 m²
Description
A first-floor apartment in a three-storey new-build development in Arroyo Enmedio, Estepona, this property measures 105m2 and includes 2 bedrooms and 2 bathrooms. The asking price of EUR 465,000 works out to approximately EUR 4,429 per m2, in line with comparable new-build stock along the western Costa del Sol. Two private parking spaces are included in the sale, and a lift serves all three floors.Arroyo Enmedio sits on the western edge of Estepona, roughly midway between the town centre and the Cancelada area. The neighbourhood is close to the N-340 coastal road, giving straightforward access to Estepona's old town, its 3km promenade, and the weekly Thursday market on Avenida de España. Málaga Airport is approximately 20 minutes by car via the AP-7 motorway. Arroyo Enmedio has seen consistent residential development over the past decade, largely due to its proximity to several golf courses and the coast.As a new-build property in Andalusia, purchase tax is IVA at 10% rather than ITP, amounting to EUR 46,500 on the full price. Additional purchase costs include notary fees of approximately EUR 600 to EUR 1,200, land registry fees of EUR 400 to EUR 800, and legal fees of around 1% of the purchase price plus VAT. Community fees are currently listed at EUR 0 and the annual IBI figure has not yet been set by the local authority. The energy rating is G. Arroyo Enmedio attracts both permanent residents and holiday buyers, and properties in this area can be considered for short-term rental use, subject to obtaining a Junta de Andalucía tourist licence.
Détails du bien
| Type de bien | Appartement |
| Chambres | 2 |
| Salles de bain | 2 |
| Surface habitable | 105 m² |
| Étage | 1 / 3 |
| Certificat énergétique | G |
| Référence | 28625956-01 |
Équipements
Piscine commune
Ascenseur
2 parking spaces
2 bedrooms
2 bathrooms
First floor
Neuf
105m2 build area
Climatisation
Double vitrage
Distances et environs
- Aéroport
- 20 min (Málaga AGP)
✈️
Emplacement sur la carte
Arroyo Enmedio, Estepona · 36.4070, -5.1948
Certificat énergétique
Certificado de Eficiencia Energética — kWh/m²
A
< 29kWh/m²B
29 – 49kWh/m²C
50 – 79kWh/m²D
80 – 119kWh/m²E
120 – 179kWh/m²F
180 – 239kWh/m²G←
> 240kWh/m²Note
G
Très faible
Consommation
> 240
kWh/m²
Coût annuel estimé
> €2,030
/an
- Installing double-glazed windows
- Adding wall and roof insulation
- Upgrading to an efficient air-conditioning / heating system
Frais d'acquisition estimés
| IVA (10%) + AJD (1.5%) | €53,475 |
| Notario | ~€950 |
| Registro de la Propiedad | ~€650 |
| Abogado (1% + IVA) | ~€5,627 |
| Total | ~€60,702 (13.1%) |
Aperçu de l'investissement
Prix/m²
€4,429
Estepona moy.
~€1,650
Diff.
+168%
À propos de Arroyo Enmedio, Estepona
Estepona est l'une des destinations les plus prisées de la Costa Blanca en Espagne.
Questions fréquentes
What are the purchase costs on top of the EUR 465,000 asking price?
As this is a new-build property in Andalusia, you pay IVA at 10% instead of transfer tax (ITP). On EUR 465,000 that is EUR 46,500. On top of that, allow approximately EUR 600 to EUR 1,200 for notary fees, EUR 400 to EUR 800 for land registry fees, and around 1% of the purchase price plus VAT for legal representation. Total additional costs typically fall between 12% and 13% of the purchase price.
Can non-residents get a mortgage on this property?
Yes. Spanish banks generally lend up to 60-70% of the purchase price to non-residents, meaning a deposit of 30-40% is typically required. On EUR 465,000 that equates to roughly EUR 139,500 to EUR 186,000. Current variable and fixed rates for non-resident mortgages in Spain range from approximately 3.5% to 4.5% annually, though this varies by lender and applicant profile.
What are the ongoing running costs for this apartment?
Community fees are currently registered at EUR 0 per year, though this figure may be updated once the development is completed and the owners' community is formally established. The annual IBI (council tax) has not yet been set. Utility connections and the basura (waste collection) charge will be confirmed by the local authority after completion.
Can I arrange a viewing remotely?
Yes. OceanHome offers video viewings for buyers who are not able to travel to Estepona. A member of the team can conduct a live video walkthrough of the development and the surrounding area. In-person viewings can also be arranged at a time that suits you.
Is this apartment suitable as a rental investment?
Arroyo Enmedio is within the Estepona municipality, which is a designated tourist area on the Costa del Sol. Short-term holiday rentals are permitted subject to registering with the Junta de Andalucía and obtaining a tourist licence. Demand from holiday visitors is consistent in this part of the coast. OceanHome can put you in touch with local property managers for advice on realistic rental income.
What does the purchase process involve?
First, you will need a Spanish NIE number (foreigner identification number), which can be obtained at a Spanish consulate or in Spain. Once you agree on the purchase, a reservation contract is signed and a holding deposit is paid, typically EUR 3,000 to EUR 6,000. This is followed by a private purchase contract (arras), where around 10% of the price is paid. The transaction is completed before a notary, at which point the remaining balance is transferred and the title deed is signed. Your solicitor carries out due diligence throughout the process.
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Détails du bien
- Type de bien
- apartment
- Chambres
- 2
- Salles de bain
- 2
- Surface habitable
- 105 m²
- Certificat énergétique
- G
