Completed · current release

Insur Scala Fase 2

Estepona · Estepona · Ref: RDEV2231

Prices from

€470,000

Available

1 of 5

Bedrooms

2en-suite

Delivery

4th trimestre 2025

Type

Apartments

Size from

80 m²

Total homes

5 homes

Phase

Completed

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Licensed agency · est. 2017 AIPP member 500+ active developments

Project lifecycle

Coming soon

Off-plan

With licence

Under construction

You are hereCompleted~16% saving

Roccabox · the editorial

Insur Scala Fase 2, in context.

Insur Scala Fase 2 is a completed residential scheme of two-bedroom apartments in central Estepona, positioned within the town's newer expansion corridor near the Felipe VI Auditorium Theatre. It is a deliberately small project — five residences in total — and at this stage effectively sold out: four of the five units have exchanged, leaving a single apartment available at €470,000.

Each home extends to 80 m² of interior space, arranged on an open-plan layout that connects the living and dining area to the kitchen and terrace, with garage and storage room included in the price. For a scheme of this size, the communal provision is unusually complete: two saline-chlorination pools, a gym with sauna, a co-working room and a social lounge.

With construction finished and services embedded, the remaining unit offers immediate occupancy in a walkable, central address.

Prepared by the Roccabox New-Developments Desk · Marbella

At a glance

Key facts

01
One remaining unit from a five-apartment completed scheme — four of five already sold
02
80 m² two-bedroom apartments with garage and storage included in the €470,000 price
03
Saline-chlorination pools, gym with sauna, co-working room and social lounge on-site
04
Central Estepona, minutes on foot from the seafront promenade and beach
05
Open-plan interiors with direct terrace access and views to sea, mountains and town

The current release

The 1 remaining apartment

Each one specified individually. Pricing released on enquiry.

+Show full unit listHide unit list 1 units · Unit, block, floor, specs, garage

Unit	Block	Floor	Beds	Baths	Interior	Outside	Garage
—	—	PB	2	2	80 m²	10 m² terrace · 92 m² garden	1 + storage

Pricing released on enquiry. Reservations require a refundable holding deposit, held under Spanish bank guarantee until completion.

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Live availability

1 of 5 apartments remain

Live data refreshed nightly from our multiple independent sources.

2-bedroom Apartment 80 m²

From

€470,000

1 available

The off-plan discount curve

The off-plan discount, stage by stage

Off-plan entry typically offers the largest pricing headroom at the earliest stages. The advantage narrows as construction progresses — at completion the unit is priced at market. Insur Scala Fase 2 currently sits in the Completed band.

Coming soon

~40% off

Off-plan

~32% off

With licence

~27% off

Under construction

~22% off

Completed

YOU ARE HERE

~16% off

Current entry

€470k

Completed pricing

Projected key-ready benchmark

€560k

Indicative uplift modelled against comparable new-build completions

Roccabox analyst view

This is not an off-plan proposition but a completed one, which changes the calculus entirely. The single remaining apartment is ready for immediate occupancy — no build risk, no waiting, and the communal amenities already operational. At €470,000 for 80 m² with garage and storage, the pricing sits above the area's median resale figure, but reflects a new-build, fully-completed product with parking included in a scarce five-unit scheme. Scarcity is the operative point: four of five are gone.

Reserving early

Why buyers reserve at this stage

Personalisation window

Reserving during the Completed phase gives buyers genuine input into layout, finishes and basement use ahead of handover, a window that closes as the build advances.

Scarcity and specification

1 of 5 units remain. The plot sizes, orientation and amenity package on this scheme are not easily replicated in the immediate resale stock.

Risk-managed entry

Spanish new-build buyers are protected by staged payments held under bank guarantee, ten-year structural warranty and full licence review. Roccabox brokers all of this through regulated counsel.

Market reality

The premium, contextualised

Useful context — not a substitute for unit-level valuation. Pricing data cross-referenced against live Costa del Sol market signals.

Insur Scala Fase 2 is not priced against average Estepona resale stock. It is a premium new-build product with the specification, plot quality and amenity package that the broader resale market typically does not match. At €5,875 per built m² the relevant question is whether the premium is justified against comparable new-build completions, not whether it beats the area's median of €3,382/m².

Comparable confidence: 70% · Source: live market data, 22/07/2026

Estepona apartments median (€/m²)

€3,382

Insur Scala Fase 2 (€/m² built)

€5,875

Premium reflects

new-build specification · scarcity · plot & orientation

Why buy with Roccabox

Your purchase is in safe hands

Licensed, regulated and trusted since 2017. We verify every development before listing it.

◆

Licensed agency

AIPP member · est. 2017 · Regulated by Spanish property law

◆

Plot verified

Spanish national land registry

◆

Live market data

Cross-referenced against the most credible Costa del Sol sources

◆

Buyer protections

Staged payments · bank guarantee · 10-yr warranty

80 m²

Internal area per unit

Specification

What every unit receives

Bedrooms

2 en-suite

Bathrooms

Built area

80 m²

Build stage

Completed

Completion

4th trimestre 2025

Warranty

10-yr structural

Energy

Class A (new build)

Estepona

Living in Estepona

Golf

4.3 km

Azata Golf

Beach

1.5 km

La Rada

Airport

35.7 km

Royal Air Force Gibraltar

Restaurant

487 m

Bar Restaurante El Frenazo

Café

709 m

Don Capuchino

Bar

876 m

La Launterna

Supermarket

285 m

ALDI

Pharmacy

472 m

Farmacia Aragón

Hospital

4.5 km

Hospital de Alta Resolución de Estepona

Gym

1.1 km

Gimnasio Supera

Padel / tennis

4.2 km

El Club de Tenis y Pádel Estepona

Marina

1.7 km

Puerto Estepona

Train station

24.0 km

Gaucin

The setting is genuinely central rather than resort-remote. An ALDI sits 285 metres away, with Mercadona and Eroski within 600, and three pharmacies inside a five-minute walk. Restaurants and cafés — Don Capuchino, El Frenazo, Abriendo Boca — are a minute or two on foot, and La Rada beach is roughly 1.5 km distant, with Puerto Estepona's marina at 1.7 km.

The town's promenade and expanding cultural quarter around the Felipe VI Auditorium anchor the immediate neighbourhood. Azata and Estepona golf courses lie nine to eleven minutes by car, and the Hospital de Alta Resolución is around nine minutes out. Málaga airport is roughly 65 km east; Gibraltar is closer at 36 km.

From your door

Marbella Old Town

28 min by car

25.8 km direct

Puerto Banús

21 min by car

18.9 km direct

Málaga Airport

1h 10m by car

64.5 km direct

Mijas Pueblo

54 min by car

49.7 km direct

La Cala de Mijas

50 min by car

45.9 km direct

Estepona

3 min by car

1.0 km direct

Gibraltar

40 min by car

36.9 km direct

Ronda

38 min by car

34.4 km direct

Shahd Sherif · Your Roccabox specialist

New Developments Desk · Marbella office

Every Roccabox specialist on the New-Developments Desk has walked the projects we represent and reviewed the architectural drawings. We will tell you honestly which of the remaining Insur Scala Fase 2 residences suits your brief, model the numbers in your currency, and arrange a private viewing within the week. Airport transfer arranged where helpful.

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WhatsApp the team +34 951 12 04 67

Real numbers

Understand the full picture

Spanish purchases involve taxes and fees that catch first-time international buyers off-guard. We surface every figure that matters.

Typical off-plan payment schedule

Spanish new-build purchases are typically paid in three staged instalments, with every euro held under bank guarantee until completion.

On reservation

€47k10%

Refundable holding deposit until contract signing; locks the unit out of the open market.

Contract signing

€94k20%

First instalment to the developer's bonded escrow account, around 4–8 weeks after reservation.

On completion

€329k70%

Balance paid when keys are handed over and the licence of first occupation issued.

Total cost of ownership

Purchase price · drag to model

€470,000

From €470,000€611,000

VAT / IVA (10% new build)

€47,000

Stamp duty / AJD (1.2%)

€5,640

Notary + registry (~1%)

€4,700

Legal fees (~1%)

€4,700

All-in

€527,340

Annual IBI (property tax) ≈ 0.4–1.1% of cadastral value. Community fees vary. Your gestor confirms exact figures.

Spanish mortgage scenario

Indicative non-resident mortgage on the slider price above. Spanish banks typically lend 60–70% LTV to non-residents over 20–25 years.

Monthly payment

€1,647/mo

Total repayable

€494,115

Loan-to-value · 70%

50%70%

Term · 25 years

10 yrs30 yrs

Interest rate · 3.50%

2.5%5.5%

Deposit required

€141,000

Loan amount

€329,000

Illustrative only. Actual Spanish mortgage terms depend on residency, income, tax history and the lender. Roccabox can introduce you to non-resident mortgage brokers.

Investment outlook

Three scenarios our analysts model on every Costa del Sol off-plan deal.

A · Hold and sell at key-ready

€84,600gross uplift

B · Rent long-term (gross/yr)

€13,160

C · Short-term rental (peak gross/yr)

€21,150

Capital growth · 8-yr area benchmark

+30–40%

Personal 5-year model

on request

Ranges are illustrative and gross. Short-term rentals require a tourism licence (VFT) and active management. Our investment analysts can model your specific scenario using current Marbella rental comparables.

Common questions

Buying off-plan in Spain, answered

Straight answers to the questions our specialists field most. For anything else, the assistant above answers in real time.

Is Insur Scala Fase 2 a good investment compared to the local resale market?

Insur Scala Fase 2 is positioned as a premium new-build product with developer warranty, modern specification and limited supply. Comparable to the broader resale stock in Estepona on price-per-m², the premium reflects new-build standards, plot quality and amenity package not typically available in the resale market. Our market analysts model the projected key-ready value on request.

What is the off-plan payment schedule in Spain?

Spanish off-plan purchases are typically staged: 10% on reservation (refundable holding deposit), a further 20% on signing the private purchase contract, and the remaining 70% on completion. Every euro paid before completion is held under bank guarantee — if the developer defaults, your money is refunded under Spanish law.

Can a non-resident get a mortgage to buy at Insur Scala Fase 2?

Yes. Spanish banks routinely lend 60–70% loan-to-value to non-residents on properties at this value, over terms of 20–25 years at competitive rates. Roccabox introduces vetted non-resident mortgage brokers at no cost.

Does buying at Insur Scala Fase 2 qualify for Spanish residency?

Spain's property-based Golden Visa route closed to new applicants on 3 April 2025 under Organic Law 1/2025. However, other residency routes remain available depending on circumstances — non-lucrative visa, digital-nomad visa, work or family-based permits. Roccabox introduces regulated Spanish immigration counsel.

How far is Insur Scala Fase 2 from Málaga airport?

Approximately 70 minutes' drive, with a direct route via the A-7 / AP-7 motorway.

What is included in the purchase price?

Price includes the unit as specified by the developer. Spanish purchase costs (VAT/IVA on new builds at 10%, AJD stamp duty at 1.2%, notary and registry around 1%, legal counsel typically 1%) sit on top of the headline price. The Roccabox team produces a personalised total-cost breakdown on request.

Can I personalise the property?

At the Completed stage, Insur Scala Fase 2 buyers can typically influence layout details, basement configuration, finishes and specification ahead of handover. The window narrows as the build progresses. Our specialist will walk you through what's still negotiable on each remaining unit.

Speak with us

Speak with our team.

Our New-Developments Desk has reviewed every project on the Costa del Sol catalogue and can walk you through which of the remaining 1 units suit your brief, model the numbers in your currency, and arrange a viewing — including airport transfer where helpful.

Ask a question now via the assistant, or have the team follow up with the full brief.

Shahd Sherif

New-Developments Desk · Marbella

EN · ES · RU · FR · NL · SV

Call the team · +34 951 12 04 67 WhatsApp the team Ask the assistant

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