New-Build 4-Bedroom Penthouse in Arroyo Vaquero, Estepona
Arroyo Vaquero, Estepona · Malaga
4 Chambres3 Salles de bain140 m²
Description
Set on the top floor of a two-storey new-build development in Arroyo Vaquero, this 4-bedroom, 3-bathroom penthouse covers 140 m2 of internal living space and includes a private solarium on the upper level. The property is priced at EUR 899,000, equating to approximately EUR 6,421 per m2. It accommodates 4 bedrooms across a single residence, making it one of the larger penthouse formats available in this part of Estepona.Arroyo Vaquero sits along the New Golden Mile corridor west of Estepona town, between the A-7 coastal road and the Mediterranean shoreline. The area is close to the Arroyo Vaquero beach strip and within a short drive of the N-340 commercial zone, where supermarkets, restaurants, and everyday amenities are concentrated. Málaga Airport is approximately 20 minutes by car, placing Arroyo Vaquero within practical reach of international connections. Several golf courses, including Atalaya Golf and Guadalmina Golf, are within a few kilometres of the neighbourhood.As a new-build property, purchase taxes apply at the IVA rate of 10%, adding approximately EUR 89,900 to the purchase price. Additional costs include notary fees of EUR 600 to EUR 1,200, land registry fees of EUR 400 to EUR 800, and legal fees of around 1% plus VAT. Community fees are listed at EUR 0 at the time of listing and buyers should confirm this figure with the developer prior to exchange. Annual IBI is not yet available and should be verified with the agent. The property carries an energy rating of G.
Détails du bien
| Type de bien | Penthouse |
| Chambres | 4 |
| Salles de bain | 3 |
| Surface habitable | 140 m² |
| Étage | 2 / 2 |
| Certificat énergétique | G |
| Référence | 53121749-03 |
Équipements
Neuf
Private solarium
4 bedrooms
3 bathrooms
Top-floor apartment
Climatisation
Double vitrage
Piscine commune
Parking souterrain
Ascenseur
Placards intégrés
Distances et environs
- Aéroport
- 20 min (Málaga AGP)
✈️
Emplacement sur la carte
Arroyo Vaquero, Estepona · 36.4117, -5.1907
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%) | €103,385 |
| Notario | ~€1,200 |
| Registro de la Propiedad | ~€850 |
| Abogado (1% + IVA) | ~€10,878 |
| Total | ~€116,313 (12.9%) |
Aperçu de l'investissement
Prix/m²
€6,421
Estepona moy.
~€1,650
Diff.
+289%
À propos de Arroyo Vaquero, Estepona
Estepona est l'une des destinations les plus prisées de la Costa Blanca en Espagne.
Questions fréquentes
What purchase taxes and costs apply to this property?
As a new-build, this penthouse is subject to IVA at 10% rather than ITP. On a purchase price of EUR 899,000, that amounts to approximately EUR 89,900 in VAT. Additional costs include notary fees (EUR 600–1,200), land registry fees (EUR 400–800), and legal fees of around 1% of the purchase price plus VAT. Total purchase costs typically run to 12–14% above the agreed price.
Can non-residents obtain a mortgage on this property?
Yes. Spanish lenders typically offer non-residents up to 60–70% loan-to-value, meaning a deposit of 30–40% is required. On a purchase price of EUR 899,000 that equates to a minimum deposit of roughly EUR 269,700 to EUR 359,600. Current variable and fixed mortgage rates in Spain range from approximately 3.5% to 4.5% annually, though rates vary by lender and applicant profile.
What are the ongoing running costs for this penthouse?
Community fees are currently listed at EUR 0 per month; buyers should confirm the final figure directly with the developer before exchanging contracts. The annual IBI (council tax) is not yet available for this new-build and should be requested from the agent or local town hall. Annual refuse collection (basura) charges are also to be confirmed.
Can I arrange a viewing remotely before travelling to Spain?
Yes. OceanHome offers video viewings for buyers who are unable to visit in person. Our agents can conduct a live video walkthrough of the property or share a recorded tour on request. In-person viewings can be arranged with advance notice; contact us to book a time.
Is this property suitable as a rental investment?
Arroyo Vaquero sits on the New Golden Mile, a coastal corridor that attracts holiday visitors throughout the year, with peak demand from June to September and significant winter rental interest from longer-stay guests. A tourist licence would be required for short-term rentals in Andalusia; your legal adviser can guide you through the application process. We do not quote yield percentages as these depend on management costs, occupancy levels, and individual circumstances.
What does the purchase process involve in Spain?
The first step is obtaining a NIE (Número de Identificación de Extranjero), the tax identification number required for all property transactions in Spain. Once an offer is agreed, a reservation contract is signed and a small deposit is paid to take the property off the market. This is followed by a private purchase contract (arras), at which point typically 10% of the price is paid. The transaction completes before a notary, who registers the title in the buyer's name. The full process from reservation to completion generally takes 4–12 weeks, though it can be longer if the development is still under construction.
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Détails du bien
- Type de bien
- penthouse
- Chambres
- 4
- Salles de bain
- 3
- Surface habitable
- 140 m²
- Certificat énergétique
- G
