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Apartment with a level garden in a villa on the Trieste coast

Ref. 0010 · Coastline

Apartment with a level garden in a villa on the Trieste coast

Strada Costiera, Coastline, Trieste

€980,000

Apartment · 97 m² · 2 bedrooms · 2 bathrooms23 photos

Mortgage€3,115 a monthexample: 70% over 30 years · TAN 3.59% · APRC 3.73%Calculate

The house in three numbers

  • 97 m²

    Indoors, with the level lawn in front

    Gross internal area, on the 3D-tour floor plan. The lawn in front of the living room's glass doors, towards the sea, will be marked out by the subdivision.

  • 3

    Homes in one villa

    The top floor, the middle floor and the rest of the villa: further down, on the drone photos, which piece belongs to whom.

  • 5 min

    From Grignano harbour

    17 from Piazza Unità and under half an hour from the airport, by car in free-flowing traffic.

3D tour

Step inside the middle floor

Scan date: 13 October 2025. The tour is a true capture, not retouched: it shows the property as it was that day.

Video

Home on the water

The sea a few steps away.

The shore about 70 metres away · the nearest bathing water point about 350 metres away

Bathing water quality

in 11 of 11 seasons
Excellent
the sea in August, on average
25.4 °C
days a year above 20 °C
133
days a year above 24 °C
68

Quality: European Environment Agency, nearest bathing water point, 2015–2025 seasons. Sea: NASA JPL MUR satellite data, 2003–2025 averages for the Barcola–Sistiana stretch of coast.

All homes on the water

This home, any other on the site, or buying in Trieste: fire away. Claude, our AI concierge, answers — it can be wrong, and says so. Conversations are logged and can be reread by the team.

Apartment with a level garden in a villa on the Trieste coast — A level lawn, where the coast climbs.

The middle floor

A level lawn, where the coast climbs.

Around the villa the ground climbs in terraces towards the road; this garden, by contrast, is level: in front of the living room's glass doors, with two large trees and the gulf beyond the railing.

  • Two bedrooms · two bathrooms
  • 97 m² inside
  • Finished, ready to furnish

Unretouched photo · 10 October 2025

What goes with each home

One villa, three homes. Here is which piece belongs to whom.

The villa is divided into three homes, each with its own entrance: the top floor, the apartment on the middle floor and the rest of the villa, which the owners are keeping. Tap a home: on the photo from the sea side its floors light up, on the one from above its gardens. The interiors of the three homes were drawn by the architects; we assign the gardens according to what we gathered on site visits, and as of the October 2025 documents the land-registry subdivision had not been filed: where a boundary is not on paper yet, we say so.

Apartment with a level garden in a villa on the Trieste coast — From the roof to the gulf, in nine photographs.

Where it is

From the roof to the gulf, in nine photographs.

The drone rises straight up next to the villa, from 47 to 169 metres: first the green roof, then the houses running down to the shore, the coast road, the piers and the sea. There are other houses between the villa and the rocks; from the villa to the water it is about fifty metres as the crow flies.

  • The sea · 55 m from the villa as the crow flies
  • Grignano · 5 min by car
  • Piazza Unità · 17 min

Real footage · no AI · nine drone photographs from the same vertical, aligned and cross-faded, 10 October 2025

Down to the sea

The inclined lift, then the steps to the shore

From the car park on the road you go down with the co-ownership's lift or on foot; from the villa to the sea there are between 80 and 100 steps.

  • From the inclined lift's cabin, towards the sea

    From the inclined lift's cabin, towards the sea

    Unretouched photo · 31 October 2024

  • The shore below the villas, with the steps and the pier

    The shore below the villas, with the steps and the pier

    Unretouched photo · 30 October 2021

  • The villa from above, towards the gulf: in front, the houses on the shore

    The villa from above, towards the gulf: in front, the houses on the shore

    Unretouched photo · drone, 10 October 2025

The sea by the house, measured

The water of the Santa Croce harbour

Below the villa, beyond the houses on the shore, lies the water of Santa Croce. At the small harbour, about 350 metres away, ARPA has sampled it every month from April to September since 2010: no sample has ever exceeded the legal threshold, and the European Environment Agency rates it «excellent» in each of the last eleven seasons. In the chart, the line is the open sea seen from the satellite; the dots, the temperatures taken on the beach.

Water quality and sources

Samples and beach temperatures: ARPA FVG, point IT006032006002 «S. Croce Porto» (FVG Region open data, 102 samples 2010-2026; beach temperatures up to 2025). Ratings: European Environment Agency 2015-2025; 2026 season, FVG Region resolution no. 1855 of 19 December 2025. Single-sample thresholds: Italian Ministerial Decree of 30 March 2010, annex A. Sea temperature month by month: NASA JPL MUR SST, daily average 2003-2025 of the sea cell off the house (45.73 N, 13.68 E); days above 20 °C are the average of the years (116-154). The satellite measures the surface offshore, the beach the shoreline: the two are never mixed.

Nearby

Five minutes from Grignano, seventeen from Piazza Unità

The villa stands on the coast road between Grignano and Santa Croce, west of the city: Miramare and Sistiana eight or nine minutes away, the centre a good quarter of an hour, the airport under half an hour. Every destination below sits in its true direction; the distance from the centre is the time by car.

5 min15 min30 min1 h2 hNESWGrignano5 minSistiana8 minMiramare9 minBarcola10 minPiazza Unità17 minSlovenia22 minAirport28 minThe house
All destinations, with times

The city

  • Piazza Unità d'Italia17 min

The sea

  • Grignano harbour5 min
  • Sistiana8 min
  • Miramare Castle9 min
  • Barcola seafront10 min
  • Sistiana harbour12 min

Getting away

  • Trieste Centrale station16 min
  • Slovenian border, Fernetti22 min
  • Trieste Airport28 min
How we know

Driving times from the Strada Costiera in front of number 194, in free-flowing traffic (OSRM on OpenStreetMap, 21 October 2026); directions from the villa.

In detail

For those who want to know everything

The in-depth chapters, with measurements and sources. Open them one at a time.

Property features

Type
Apartment
Surface
97 m²
Rooms
3
Bedrooms
2
Bathrooms
2
Floor
Intermediate floor, level with the garden
Energy class
EPC issued on completion of works
›The full description

Around the villa the ground climbs in terraces towards the road; this garden, by contrast, is level: a lawn in front of the living room's glass doors, with two large trees, the railing on the downhill side and the gulf beyond the houses on the shore.

The apartment is the north-west wing of the middle floor of a villa divided into three homes, each with its own entrance, on the Strada Costiera between Grignano and Santa Croce. Inside it measures 97 m² of gross internal area, on the 3D-tour floor plan: the living area with its open kitchen faces the lawn, 8.70 m along its long side, with two full-height sliding doors; the main bedroom, 6.51 × 3.02 m, opens onto a hallway with a bathroom and the storeroom; the second, 3.02 × 4.33 m, has its own bathroom, behind a walk-in wardrobe.

The finishes are the ones laid during the works: oak floors, large-format porcelain tiles in the bathrooms, walk-in showers. The building has a green roof, and the lawn has room for an above-ground pool, to be checked with the landscape authorisation.

Above is the top floor, also for sale; the other wing of the middle floor and the lowest level stay with the owners. The lawn goes with this apartment according to what the owners told us on site visits. The middle floor's terrace runs along the whole front and is split between the two wings: this apartment's share, like the boundaries of the lawn, will be set by the land-registry subdivision, which, according to the documents of October 2025, had not yet been filed. A parking space in the co-owned car park on the road can be bought separately, for €50,000. You walk down to the sea, between 80 and 100 steps; the owners, who state that they hold a state concession on a platform on the rocks, also plan the use of a spot on it for this apartment, to be settled in the negotiation with the deed.

The apartment is finished; according to the documents of October 2025, the villa's completion certificate, the certificate of habitability, the cadastral registration of the three units and the energy performance certificate are still to come, and the energy certificate is issued on completion.

Indicative taxes & costs

Purchase costs (one-off)

TriesteVillas fee
≈ €39,200+ VAT
Notary
≈ €4,000-7,800estimate, incl. VAT and costs

Annual running costs

Waste tax · TARI
Occupants2≈ €224/yr

Annual costs are indicative estimates calculated with a formula from the cadastral data and the municipal rates, and do not replace an official check.

A mortgage for this home

€3,115a month

for a €686,000 mortgage (70% of the price) over 30 years: 360 monthly payments at a fixed rate

TAN
3.59%
nominal annual rate
APRC (TAEG)
3.73%
total annual cost, fees included

A first estimate, made with the help of AI from official data: it is not a mortgage offer. The amount, rate and terms are decided by the bank after its own assessment.

TAN from the average of fixed-rate (over 10 years) mortgages signed in Italy in September 2026 (provisional): ECB, Bank of Italy data.

The guide: mortgages in Italy for non-residents

Italian banks usually lend non-residents 50-60% of the value: “I live abroad” redoes the maths.

How we do the maths

The rate

It is the average rate of fixed-rate (over 10 years) home loans signed in Italy in the month, collected from banks by the Bank of Italy and published by the ECB about five weeks later (harmonised MIR statistics). The TriesteVillas CRM downloads it every night: when a new month comes out, the figure here updates by itself. Fixed-rate loans use contracts fixed for the same term (up to 5 years, 5 to 10, over 10); variable-rate loans use variable-rate contracts. The published figure is a compound annual rate without fees: for the monthly payment it becomes the nominal rate, TAN = 12 × ((1 + rate)^(1/12) - 1). Latest data: September 2026, provisional.

Over a year this average moved from 3.31% (September 2025) to 3.65% (September 2026).

This month's offers may differ: the best ones are often below the average, with conditions (down payment, energy class, guarantees, insurance). That is why the rate above can be changed.

The payment

French amortisation, with a constant payment: R = C × i / (1 - (1 + i)^(-n)), where C is the capital, i the TAN divided by 12 and n the number of payments.

The APRC (TAEG)

The annual cost of the whole loan, computed with the cash flows of the EU directive: on top of interest, the costs usually paid to the bank and the State. Substitute tax 0.25% (€1,715), arrangement fee €1,000 (assumption), valuation €350, fire insurance €154 a year, payment collection €3 a month. The notary's fees stay out of the APRC, as the law provides (art. 120-quinquies of the Italian Banking Act): they are included in the cash needed at the deed. For comparison, the average APRC of home loans signed in Italy in September 2026 was 4.05%.

Cash at the deed

The down payment, the purchase taxes estimated for this home under the chosen regime, the agency fee with VAT, the loan costs paid at signing and the notary, for the purchase and for the mortgage. The notary is our estimate, given as a range, not a quote: since 2012 the fee is agreed with the notary, who, having seen the documents, gives a written estimate before being instructed. The bank lends on the value set by its own valuation: if the valuation comes in below the price, the loan goes down, not the price.

The income

The one-third rule comes from the Bank of Italy's consumer guide: a prudence measure for choosing an affordable payment, not the criterion a bank uses to decide. Every bank assesses income, expenses, age and guarantees on its own.

What it is not

It is not a credit offer or advice. TriesteVillas is not a bank, a credit broker or a credit agent, and not a mortgage comparison site. This calculator, built with the help of artificial intelligence, makes a first estimate from official data and the rules written here; the maths runs in the browser and nothing is saved.

Sources

Rates updated on 3 November 2026.

Floor plans

Floor plan drawn from our 3D survey (Matterport): it shows the home as it is today and where the rooms are, for illustration only. It is not the cadastral floor plan and has no planning, cadastral or permit value: measurements and room names (such as “bedroom” or “study”) describe the current state and use, not the authorised use or habitability. The cadastral floor plan can be requested from the agency and is in any case provided before an offer is signed.

Amenities

  • Garden
  • Terrace
  • Near the sea
  • Sea view

Location

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In the gulf · This home, and the other 53 in the catalogue around the gulf. Approximate position.

Approximate location within the area. The exact address is shared on request.

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