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Apartment in Estepona, 3 bedrooms, 130 m² €720.000

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Bedrooms

Bathrooms

130 m²

Surface area

€

€5538

Price per m²

Apartment

Property type

Apartment in Estepona, 3 bedrooms, 130 m² - Afbeelding 1

Apartment in Estepona, 3 bedrooms, 130 m² - Afbeelding 2

Apartment in Estepona, 3 bedrooms, 130 m² - Afbeelding 3

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Analysis

View Report

Price

€720.000

Own investment (30%)

30% down payment of purchase price

€216.000

Buyer costs (10%)

10% of purchase price

€72.000

Estimated nightly rate

€165,57

Expected occupancy rate

64%

Gross rental p/m

€0000 Sign in to view

Mortgage interest rate (%)

Monthly mortgage = interest on the loan + linear repayment per year. Changing the term updates the annual repayment automatically.

Mortgage term (years)

Repayment (per year)

€

Total mortgage costs -€1.344

Maintenance costs

Estimated annual maintenance costs (10€/m²). This is the rule of thumb for existing and older homes. For new construction, this is usually lower.

-€108,33

Cleaning costs

Annual cleaning costs: €4000 (€333,33/month). Based on number of bedrooms.

-€333,33

Platform fees

15% commission based on average fees from Booking.com and Airbnb

-€483,46

Municipal taxes

Municipal taxes for Estepona

-€165,50

Tax (19%)

This is the VAT percentage you pay in the country of the property. If you are a EU resident, you pay 19% VAT.

-€149,81

Cashflow p.m.

Earned back in

Time to earn back own investment + buyer costs.

00months

* Indicative calculation based on a linear mortgage.

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Nightly Rates

Estimated nightly rate

€165,57

High season

€220

Mid season

€161,33

Low season

€130

Price determining factors

Proximity to beaches, marina, and town center.
High demand for coastal properties.
Limited supply of similar high-quality apartments.

Comparable accommodations

All comparable accommodations and their nightly rates are retrieved from booking platforms.

Rate	Hotel / apartment	Distance
€185	Entire House with Terrace in Marbella	21.4 km
€382,40	Three bed house with pool 50 metres from the beach	16.5 km
€175	Chic 3BR Townhouse on the Beach + Pool + Parking	10.5 km
€281,20	Ocean Front Villa w/Private Pool	10.5 km
€421	Calm Villa · Private Infinity Pool	7.9 km
€159,80	Lucia's home, beach and mountains.	11.3 km
€294,40	Villa with pool near the beach for families	3.8 km
€195,20	Justine's Houses - Casa Carmen	18.0 km
€125,60	Beautiful house with a private pool.	18.5 km
€147,20	Casa Azul	18.6 km

Return & Value appreciation

Annual return

2.66%

5 Year Return

13.30%

10 Year Return

26.60%

ROI Distribution

Value development

Factors for value appreciation

Property condition: Well-maintained, modern interiors enhance value.
Local market trends in 2027: Expected growth due to tourism and expatriate demand.
Property type: Apartments in coastal areas tend to appreciate steadily.
Economic outlook in 2027: Positive, driven by tourism, real estate, and regional development.
Demographic developments: Increasing expatriate and retiree populations boost demand.
Infrastructure plans in 2027: Improvements in transport and amenities support property values.
Historical WOZ value trends: Consistent increase indicating rising property values.

Possible improvements

Renovate kitchen and bathrooms for modern appeal.
Upgrade flooring and fixtures.
Enhance outdoor space with landscaping or furniture.

Risk assessment

Overall risk: Low

Criterion	Level	Score	Explanation
Location quality	Low	15	Prime location close to amenities and beaches.
Tenant demand	Low	20	High demand from both residents and investors.
Cash flow stability	Low	25	Stable rental income expected due to location.
Vacancy risk	Low	20	Consistent demand reduces vacancy concerns.
Property condition / capital expenditure risk	Low	15	Property is well-maintained with minimal immediate upgrades needed.
Purchase price vs market value	Low	30	Fairly valued compared to recent sales in the area.
Financing risk (leverage)	Medium	50	Potential interest rate fluctuations could impact financing.
Interest rate risk	Medium	55	Rising interest rates could affect mortgage costs.
Liquidity risk	Medium	45	Market liquidity is moderate, but property can be sold within reasonable time.
Market risk (economic conditions)	Medium	50	Regional economic stability supports property values.
Regulatory / legal risk	Low	20	Stable legal environment with clear property rights.
Rent level vs market rent	Low	25	Current rent aligns well with market standards.
Tenant concentration risk	Very low	10	Diverse tenant base reduces concentration risk.
Expense risk	Low	20	Low maintenance costs due to good condition.
Appreciation potential	Medium	60	Potential for appreciation with ongoing developments.
Exit risk (resale ability)	Low	30	High demand area facilitates resale.
Management complexity risk	Low	15	Managed easily due to property type and location.
Deal structure risk	Low	20	Standard purchase process with transparent terms.

Description

Discover this stunning middle-floor apartment for sale in Estepona, Spain, a prime opportunity for those seeking a luxurious coastal lifestyle on the Costa del Sol. Featuring three spacious bedrooms and two modern bathrooms, this property offers 146 square meters of beautifully maintained living space, complemented by a 20-square-meter private terrace ideal for relaxing or entertaining. Located in an exclusive urbanisation, this Estepona apartment is perfectly situated close to the town centre, marina, beaches, shops, schools, and the vibrant port area, making it a highly desirable residence for both residents and investors.