New-Build 3-Bedroom Apartment in Arroyo Vaquero, Estepona
Arroyo Vaquero, Estepona · Malaga
3 Bed2 Bath130 m²Energy: G
Description
A new-build first-floor apartment in Arroyo Vaquero, Estepona, offering 130 m2 of internal living space across 3 bedrooms and 2 bathrooms. The property is part of a 2-storey development with a communal pool. As a new build, it carries a 10-year structural warranty under Spanish law, and the building sits within one of the western Costa del Sol's more recently developed residential pockets.Arroyo Vaquero is a low-density residential area positioned between Estepona town and the Guadalmansa corridor, with direct access to the A-7 coastal road. Estepona's old town, with its pedestrianised Calle Real and weekly Saturday market on Avenida de España, is approximately 10 minutes by car. Malaga Airport (AGP) is reachable in around 20 minutes, making the location practical for owners who travel regularly or use the property part of the year.Priced at EUR 815,000, the cost per m2 works out at approximately EUR 6,269. As a new build in Andalusia, the applicable purchase tax is IVA at 10%, amounting to EUR 81,500, plus stamp duty (AJD) at 1.2%, notary fees of roughly EUR 600 to 1,200, and land registry fees of EUR 400 to 800. No community fees are currently registered in the data and buyers should confirm the final figure with the developer before exchange. The energy rating is G, and Arroyo Vaquero's proximity to several established golf courses along the New Golden Mile makes this area of interest to golf-oriented buyers as well as those seeking a permanent coastal residence.
Features
- Communal pool
- New build
- First floor
- 3 bedrooms
- 2 bathrooms
- 130 m2 build size
- Air conditioning
- 10-year structural warranty
- Residential development
Property Details
| Property Type | Apartment |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Built Area | 130 m² |
| Floor | 1 / 2 |
| Energy Certificate | G |
| Reference | 38077013-05 |
Distances & Nearby
- airport
- 20 min (Málaga AGP)
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Location
Arroyo Vaquero, Estepona · 36.4086, -5.1907
About Arroyo Vaquero, Estepona
Estepona is one of the most popular destinations on Spain's Costa Blanca.
Frequently Asked Questions
What purchase costs should I budget for on top of the EUR 815,000 asking price?
As this is a new build in Andalusia, you will pay IVA (VAT) at 10% rather than transfer tax, which amounts to EUR 81,500. On top of that, stamp duty (AJD) applies at 1.2% (EUR 9,780). Allow roughly EUR 600–1,200 for notary fees, EUR 400–800 for land registry fees, and around 1% plus VAT for legal fees (approximately EUR 9,800 including VAT). Total purchase costs typically add 13–15% to the purchase price.
Can I get a mortgage as a non-resident buyer?
Yes. Spanish banks generally lend non-residents up to 60–70% of the purchase price or valuation, whichever is lower, meaning a deposit of 30–40% is typically required. On EUR 815,000 that translates to a deposit of roughly EUR 245,000–326,000. Variable and fixed mortgage rates currently range from approximately 3.5% to 4.5% depending on the lender and your financial profile. We can refer you to independent mortgage brokers familiar with non-resident applications.
What are the ongoing running costs for this apartment?
Community fees are listed as EUR 0 in the current data; buyers should confirm the final maintenance charge with the developer before exchange, as fees are often set once the development is complete. IBI (annual property tax) has not yet been assessed and the catastral value is assigned after completion, but on a property of this price bracket in Estepona you might reasonably expect IBI in the range of EUR 800–1,500 per year. A separate annual refuse collection charge (basura) also applies and is set by the local council.
Can I view this property remotely before travelling to Spain?
Yes. We offer video viewings via WhatsApp or video call for buyers who cannot travel immediately. For new-build developments we can also arrange virtual walkthroughs of show apartments or CGI tours where available. In-person viewings can be arranged with 48 hours' notice and we can coordinate multiple viewings in the Estepona area on the same day to make your trip as efficient as possible.
Is this property suitable for holiday rental income?
Arroyo Vaquero falls within the Estepona municipal area, which is a recognised tourist zone on the Costa del Sol. Short-term holiday rentals require a Vivienda con Fines Turísticos (VFT) licence from the Junta de Andalucía. Estepona attracts visitors year-round due to its golf courses, marina, and proximity to Malaga Airport. We do not quote yield percentages, but we can connect you with local rental management agencies who can provide realistic occupancy and revenue estimates based on comparable properties in Arroyo Vaquero.
What is the purchase process for a new-build property in Spain?
The first practical step is obtaining an NIE (Número de Identificación de Extranjero), the tax identification number required for all property transactions in Spain. Once you have agreed to proceed, you sign a reservation contract and pay a holding deposit, typically EUR 5,000–10,000, to take the property off the market. This is followed by a private purchase contract (contrato privado de compraventa), at which point a further stage payment is usually due. On new builds, payments are often staged during construction. Completion takes place before a notary, where the balance is paid and the escritura (title deed) is signed. We strongly recommend instructing an independent Spanish solicitor throughout the process.
Maya Kallio💚
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Co-founder of OceanHome. Helping international buyers find their dream property in Spain since 2004.
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Key Details
- Type
- apartment
- Bedrooms
- 3
- Bathrooms
- 2
- Build Size
- 130 m²
- Energy Rating
- G
