First-Floor New-Build 3-Bedroom Apartment, Arroyo Enmedio
Arroyo Enmedio, Estepona · Malaga
3 Chambres2 Salles de bain116 m²
Description
A first-floor new-build apartment in Arroyo Enmedio, Estepona, spanning 116 m2 across 3 bedrooms and 2 bathrooms. The building rises to 3 floors and includes a lift, giving straightforward access to the first-floor level. Two dedicated parking spaces are included in the purchase price of EUR 495,000, equating to approximately EUR 4,267 per m2.Arroyo Enmedio sits on the western edge of Estepona, a few kilometres from the town centre and its pedestrianised old quarter along Calle Real. The area is well connected to the coastal road linking Estepona's beaches and the marina, which lies roughly 5 kilometres to the east. Málaga Airport is approximately 20 minutes by car, making Arroyo Enmedio a practical base for frequent travellers. Local amenities serving the neighbourhood include supermarkets and day-to-day services along the N-340 corridor.As a new-build property in Andalusia, the applicable purchase tax is IVA at 10 per cent, which amounts to EUR 49,500 on the asking price. Additional costs include notary fees of approximately EUR 600 to 1,200, land registry fees of EUR 400 to 800, and legal fees of around 1 per cent plus VAT. Community fees are currently set at EUR 0 per month, though buyers should confirm this with the developer. Annual IBI and basura figures are not yet available from the agent. The energy rating is G. Arroyo Enmedio attracts interest from buyers seeking a position on the western Costa del Sol with straightforward access to both Estepona town and the motorway network.
Détails du bien
| Type de bien | Appartement |
| Chambres | 3 |
| Salles de bain | 2 |
| Surface habitable | 116 m² |
| Étage | 1 / 3 |
| Certificat énergétique | G |
| Référence | 28625956-03 |
Équipements
Neuf
3 bedrooms
2 bathrooms
116 m2 built
First floor
Ascenseur
Piscine commune
2 parking spaces
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%) | €56,925 |
| Notario | ~€950 |
| Registro de la Propiedad | ~€650 |
| Abogado (1% + IVA) | ~€5,990 |
| Total | ~€64,515 (13.0%) |
Aperçu de l'investissement
Prix/m²
€4,267
Estepona moy.
~€1,650
Diff.
+159%
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 495,000 asking price?
As this is a new-build property in Andalusia, IVA applies at 10%, which is EUR 49,500. You should also budget for 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 (approximately EUR 4,950 plus VAT). Total additional costs typically fall between 12% and 13% of the purchase price.
Can non-residents obtain a mortgage for 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 495,000 that equates to a deposit of approximately EUR 148,500 to EUR 198,000. Current variable and fixed mortgage rates from Spanish lenders are broadly in the 3.5–4.5% range, though rates vary by lender and applicant profile.
What are the ongoing running costs for this apartment?
Community fees are currently listed at EUR 0 per month; buyers should verify this directly with the developer before exchange. Annual IBI (council tax) and basura (waste collection) figures are not yet available from the agent and should be requested prior to signing any reservation agreement.
Can I arrange a viewing, and is a video viewing possible?
Yes. In-person viewings can be arranged through OceanHome. If you are based outside Spain or unable to visit in person, we can also organise a live video viewing via WhatsApp or video call, allowing you to see the apartment and ask questions in real time.
What is the rental potential for this apartment in Arroyo Enmedio?
Arroyo Enmedio is within the Costa del Sol tourist zone and properties in this part of Estepona can be let on short-term holiday licences, subject to obtaining the relevant Junta de Andalucía tourist rental registration. Demand is supported by the area's proximity to Málaga Airport (approximately 20 minutes) and the beaches along this stretch of coastline. We recommend speaking to a local rental management company for realistic occupancy and income projections specific to this development.
What steps are involved in buying this property?
First, you will need a Spanish tax identification number (NIE), which can be obtained via a Spanish consulate or a local gestor. Once you have agreed the purchase, a reservation contract is signed and a holding deposit, typically EUR 3,000 to EUR 6,000, is paid to take the property off the market. This is followed by a private purchase contract (arras or contrato privado) with a further deposit, usually 10% of the price. On a new-build, stage payments may apply during construction. Completion takes place before a notary, at which point the balance is paid and keys are handed over. Independent legal advice from a Spanish property lawyer is strongly recommended throughout.
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Détails du bien
- Type de bien
- apartment
- Chambres
- 3
- Salles de bain
- 2
- Surface habitable
- 116 m²
- Certificat énergétique
- G
