Owning a Costa Rica beach house is a dream for many expats looking for year-round sun, ocean views, and a laid-back lifestyle. Whether you’re seeking an investment opportunity, a vacation home, or a permanent residence, buying beachfront property in Costa Rica offers unmatched lifestyle perks — but also comes with important considerations. In this guide, we’ll cover everything you need to know about buying a home in Costa Rica and what to expect when browsing houses for sale in Costa Rica on the beach.
Why Costa Rica? And Why Beachfront?
Costa Rica stands out for its biodiversity, political stability, expat-friendly residency programs, and relatively low property taxes. The country’s coastline stretches for hundreds of kilometers, offering endless opportunities for oceanfront property in Costa Rica.
Southern Zone Tip: Consider the Southern Zone (Uvita, Ojochal, Dominical) — a hidden gem with pristine coastlines, lush mountains, and excellent Costa Rica real estate beachfront options.
What to Consider Before Buying a Beachfront Property
Buying beachfront property in Costa Rica is different than inland purchases. Here’s what to keep in mind:
1. Maritime Zone Regulations
Beachfront land in Costa Rica typically falls within the Maritime Zone (the first 200 meters from the high tide line). The first 50 meters are public. The next 150 meters can be leased via a concession, not titled. This comes with extra paperwork and municipal oversight.
Tip: Work with a trusted real estate team like Century 21 Ballena Properties who can guide you through these legalities and help you understand concession rights.
2. Pitfalls to Avoid
- Buying land without verifying title or concession rights
- Assuming you can build anywhere on the land
- Underestimating flood risks or saltwater damage
- Not consulting a lawyer who specializes in beachfront property
3. What to Look for in a Beach House
- Elevation: Slightly raised land offers better views and flood protection
- Access to infrastructure: Reliable water, electricity, road access
- Construction quality: Coastal homes require salt-resistant materials and sealed finishes
- Neighborhood development: Is the area protected, growing, or overdeveloped?
Maintenance & Ownership Tips for Beach Homes
Owning a beachfront home is rewarding — but also demands consistent upkeep:
- Salt corrosion: Coastal air speeds up rust on metal fixtures and appliances
- Humidity: Mold can be a problem; dehumidifiers and ventilation help
- Storm prep: Reinforced windows, drainage systems, and roof maintenance are essential
- Insurance: Look for coastal property insurance options that include hurricane and flood protection
Insurance Options for Beachfront Property Owners
Costa Rica offers several types of insurance that are essential for beachfront homeowners. Here’s what to consider:
- Homeowner’s Insurance: Covers fire, theft, and in some cases, wind or water damage. Available from the government-backed INS (Instituto Nacional de Seguros) and private insurers.
- Flood Insurance: Highly recommended for beachfront properties. Often not included in standard policies and may require an additional rider.
- Hurricane/Windstorm Insurance: Important in coastal zones; usually added as a separate policy or supplement.
- Liability Insurance: Essential if you plan to rent your home or host guests. Protects you in case of injury or property damage claims.
- Contents Insurance: Covers interior items such as furniture and appliances — useful for furnished homes or rentals.
Tips for Expats:
- Work with a local insurance broker who understands coastal property risks.
- Ensure coverage for salt corrosion and storm surge where possible.
- Request policy documents in English if you’re not fluent in Spanish.
- Consider bundled packages (home, flood, earthquake, liability) for better value.
- Foreigners can own titled property in their own name or through a corporation
- Concession properties require local residency or a corporation with majority Costa Rican ownership
- Hire a bilingual lawyer experienced in Costa Rica oceanfront real estate
- Budget for property transfer taxes, legal fees, and ongoing maintenance
Legal & Financial Tips for Expats
- Foreigners can own titled property in their own name or through a corporation
- Concession properties require local residency or a corporation with majority Costa Rican ownership
- Hire a bilingual lawyer experienced in Costa Rica oceanfront real estate
- Budget for property transfer taxes, legal fees, and ongoing maintenance
Our Advice for Beach House Buyers
We recommend:
- Always verify land title or concession lease terms
- Don’t rely solely on photos — visit properties in person if possible
- Use local experts — a trusted Costa Rica real estate beachfront agency like Century 21 Ballena Properties can help you avoid costly mistakes
Ready to Find Your Dream Beach House?
Explore handpicked houses for sale in Costa Rica on the beach through Century 21 Ballena Properties — local specialists in beachfront and oceanfront property in Costa Rica. Whether you’re ready to buy or just starting your research, they can provide guidance every step of the way.
View Listings: 👉 Browse Beachfront Homes
Recommended Reads
For more insights before you buy, explore these useful guides:
- Buying a home in Costa Rica: A complete guide for expats
- 5 Mistakes Foreign Buyers Make When Buying Costa Rica Real Estate
- How to Generate Rental Income from Your Costa Rica Vacation Home
- Beachfront or Jungle Home in Costa Rica: Which is the Best Investment?
- 5 Reasons to Invest in Real Estate in Costa Rica’s Southern Zone
- Costa Rica vs California Real Estate
