
Ref. 0310 · City Centre
Via San Vito Penthouse
SAN VITO, City Centre, Trieste
€850,000
Penthouse / Attic · 150 m² · 2 bedrooms · 2 bathrooms · 7th floorEnergy class A143 photos
Mortgage€2,686 a monthexample: 70% over 30 years · TAN 3.54% · APRC 3.68%CalculateVia San Vito Penthouse
SAN VITO, City Centre, Trieste
3D tour
Step inside now, room by room
Green home · Class A
In the top band of the energy scale
It says so on the filed energy performance certificate, not on an estimate: class A1, with a non-renewable energy need of 78.05 kWh/m² a year.
Where it sits on the scale
- A4
- A3
- A2
- this homeA1
- B
- C
- D
- E
- F
- G
The class compares the home with a reference building of the same shape in the same place, built to the 2019–2021 requirements with standard systems. In class A1 the home uses between 80% and 100% of that building's non-renewable energy; a class G home uses more than three and a half times as much.
Non-renewable energy EPgl,nren
78.05kWh/m² year
of the energy it uses is renewable
EPgl,ren 62.14 kWh/m² year
Building envelope
- Winterlow
- Summerhigh
In Italy, of the homes certified in 2024, about 15 in 100 are class A.
Source: ENEA–CTI, Annual report on the energy certification of buildings 2025, executive summary, p. 8. Classes: Italian Ministerial Decree of 26/06/2015, Guidelines, Annex 1, Table 2.
The home and its roof
The home is on the seventh floor. Above it, the whole roof.
The roof terrace is for exclusive use: 186 m², almost twice the size of the flat. Here they are, to scale.
about 100 m²
the flat, cadastral area
almost 32 m²
the terraces on the floor
186 m²
the roof terrace, exclusive use
The areas of the squares are proportional to the square metres.
AIThe roof
186 m²
A full circle of horizon
Timber decking throughout, a bioclimatic pergola with adjustable louvres, planters with irrigation. You go up from inside your home by a private stair; there is also a reserved access from the stairwell.
- The gulf and the port
- The Karst and Opicina
- The hill of San Giusto
- The roofs of San Vito, Muggia across the bay
Unretouched photo · 6 September 2026, 8:33 am
The sun on the roof
All year round, the sun sets over the gulf.
Pick a day and a time: the dial shows where the sun is, seen from this roof. In winter it sets into the sea just past the tip of Istria, in summer towards the mouth of the Isonzo; in spring and autumn, over the open sea.
How we know
NOAA astronomical algorithm (±1 minute) from the home's coordinates; sunrise and sunset on a flat horizon: to the east the Karst delays sunrise by a few minutes. Checked against two real photos of the sunset taken here.
Diagram from the construction drawing: seventeen risers around the central column. Illustrative, not to scale.
The staircase
Seventeen risers, and you are on the roof.
The spiral staircase rises from the seventh-floor terrace and was made to measure: hot-dip galvanised and painted steel, the finish made to live outdoors, in salt air and bora wind. It is private: from the living room to the roof without leaving home.
- 17
- risers of 20.5 cm
- 3.49 m
- from terrace to roof
- 2025
- designed to measure

The film
How it was, how it is.
The video is from May 2025: the home was finished, the roof not yet. Today there is the timber, the pergola, the planted beds — the two photos below, taken on 6 September 2026.
AI
AI
The seventh-floor terrace
Level with the living room
The living area opens fully onto the terrace. Today it holds a table for six; one for twelve would fit. On this floor, the two terraces add up to almost 32 m².
Inside
A piece of cabinetmaking
Walnut, Hungarian-point oak, marble, lime-plastered walls. Every cupboard is drawn to measure, with the logic of a yacht interior.

The living room, open to the terrace
AIThe curved walnut volume that screens the bedrooms
AIThe kitchen: marble island, undermount sink
AIThe dining room and the panelling

Full-height cupboards in the hallways
AIThe master bedroom, with its own bathroom
AIFlush shower, stone top, backlit mirror
The numbers
No beating about the bush
A1
Energy class
78.05 kWh/m² per year · certificate valid to 24/09/2035
2,270 kWh + 180 m³
Electricity and gas in a year, for the whole home
energy certificate estimate, standard use
≈ 8,000 kWh
In a year, from the solar array planned for the roof
6.4 kW system prepared for, not installed · European Commission PVGIS estimate, 7,700-8,500 kWh depending on panel tilt: more than three times the electricity estimated for the home
€156
Service charges per month
2023-24 accounts
€1,838
Purchase taxes as a main home
prezzo-valore regime, on flat and cellar; the roof is assessed at the deed
2024
Heat pump and underfloor heating
fan-coil cooling, mechanical ventilation
Why it is for sale
«Renovated to live in, to a specification chosen without compromise. Less than a year later, work took its owner elsewhere: what is for sale is a finished home, barely lived in.»
Property features
- Type
- Penthouse / Attic
- Surface
- 150 m²
- Rooms
- 4
- Bedrooms
- 2
- Bathrooms
- 2
- Floor
- 7
- Energy class
- A1 · 78.05 kWh/m² year
- Renewable index (EPgl,ren)
- 62.14 kWh/m² year
- Building envelope performance
- Winter: low · Summer: high
- Condition
- Excellent / Renovated
- Kitchen
- Open-plan
- Terrace
- Yes
- Sea view
- Yes
- Building floors
- 7
- Lift
- Yes
- Heating
- Independent
›The full description
A penthouse on Via San Vito, minutes from the seafront
On the top floor of a lift-served building, a few minutes' walk from Trieste's seafront and the city centre, this penthouse occupies the seventh floor and, above it, the entire roof of the building.
The roof terrace: 186 sqm for exclusive use
This is what sets the property apart from anything else in the city. One hundred and eighty-six square metres of roof terrace for exclusive use, now laid in timber decking, with a bioclimatic pergola with adjustable louvres, perimeter planters served by an irrigation system, and metal balustrades.
It is reached by a private spiral staircase, made to measure in hot-dip galvanised and painted steel, rising from the seventh-floor terrace. A second reserved access from the communal stairwell also exists, so the roof can be reached either from inside the apartment or from the landing. From up there the view opens on every side: the gulf and the port on one, the Karst plateau and the hills on another, the roofs of San Vito and the hill of San Giusto on the rest. It is not a figure of speech: it is a complete horizon. And the gulf lies to the west: in the evening the sun goes down into the sea in front of the pergola, as the photographs taken on site in April and September, published unretouched, show.
The seventh-floor terrace
The living area opens in its entirety onto a generous, genuinely usable terrace. It currently holds a table for six; its dimensions comfortably take one for twelve. In total the outdoor surfaces on the apartment's own floor measure almost 32 sqm.
Inside: a complete refurbishment
Some 100 sqm of cadastral floor area, arranged as living room, dining room, open kitchen with island, two bedrooms and two bathrooms. The master bedroom has its own en-suite; the second bedroom, currently used as a study, opens onto a second small terrace.
What you notice immediately is the bespoke joinery: walnut panelling and integrated wardrobes, a curved timber volume separating the sleeping area, full-height cupboards, timber ceilings in the hallways. Every centimetre is drawn and used, with the logic of a yacht interior: this is cabinetmaking, not bought furniture.
Floors are Hungarian-point oak in the living area and bedrooms, large-format porcelain in the kitchen and bathrooms. Walls are lime-plastered.
The kitchen
Island with a marble worktop, induction hob with a downdraft extractor integrated into the worktop (Bora system), undermount stainless steel sink with a pull-down tap, marble splashback, flush-fitted lacquered tall units, a lit niche and two wine cabinets. Top-tier appliances.
The two bathrooms
Both with flush walk-in showers, wall-hung sanitaryware, stone tops on slatted timber vanities, backlit mirrors — one round, one full-width — and electric towel radiators that can be switched on to supplement the main heating.
Systems and efficiency
Underfloor heating powered by an air-to-water heat pump installed in 2024, with provision for a 6.4 kW photovoltaic system and its storage battery. The unit was insulated during the works: insulating screed and vapour barrier beneath the radiant floor, wall insulation, suspended ceilings. Cooling by two fan coil units, one serving the living area and one serving the two bedrooms through a split system, plus mechanical ventilation with heat recovery. Minimal-profile timber external windows; designer light fittings, all dimmable; motorised shutters, external awning. Domestic hot water comes from an instantaneous gas water heater.
Energy rating A1 · EP gl,nren 78.05 kWh/m² per year · emissions 17.58 kg CO₂/m² per year. Certificate no. 3200600882425 issued 24/09/2025, valid to 24/09/2035. Under standard conditions the certificate estimates, for the whole home — heating, cooling, hot water and ventilation — an annual requirement of about 2,270 kWh of electricity and 180 m³ of gas: not a bill, but the order of magnitude of one.
Ancillary spaces and options
A cellar is included, on the basement floor. One or more garages or parking spaces in a nearby facility can be purchased separately on request; some spaces allow an electric vehicle charging point to be installed.
Service charges
In the last documented financial year (September 2023 – August 2024) the ordinary service charges for the apartment came to about €1,870, a little over €150 a month.
Why it is on the market
The apartment was refurbished by its owner to live in, to a specification chosen without compromise. Less than a year after moving in, work took him elsewhere. What is for sale is therefore a finished, complete home that has barely been lived in — in practice, a first occupancy.
Taxation: a private sale
This is a sale between private individuals: no VAT. On request to the notary the prezzo-valore mechanism applies, which calculates registration tax on the cadastral value rather than on the price. For the apartment and the cellar this means, on the cadastral data currently available, registration tax in the order of €1,800 as a main residence and €8,600 as a second home, plus fixed duties. The roof terrace is registered in category F/5 and therefore has no cadastral income, so the mechanism does not apply to it: that portion of the tax is quantified at the deed. We provide a precise, up-to-date calculation on request.
Price: €850,000
Indicative taxes & costs
Purchase costs (one-off)
- First-home taxes
- ≈ €1,838
- TriesteVillas fee
- ≈ €34,000+ VAT
- Notary
- ≈ €2,600-5,200estimate, incl. VAT and costs
- Indicative all-in purchase cost
- ≈ €896,000 – €898,500
An indicative estimate: we work out the exact figures together, line by line.
Annual running costs
- Service charges
- ≈ €1,872/yr
- Property tax · ILIA
- Exempt (main home)
- Waste tax · TARI
- Occupants2≈ €270/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
€2,686a month
for a €595,000 mortgage (70% of the price) over 30 years: 360 monthly payments at a fixed rate
- TAN
- 3.54%
- nominal annual rate
- APRC (TAEG)
- 3.68%
- 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 August 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.
The buyer
Possible incentives
Many banks cut the rate for homes in energy class A or B: usually by 0.20 points (from 0 to 0.46 in October 2026 offers), sometimes with no arrangement fee. It is a bank initiative, not a public incentive: eligible classes and discounts vary from bank to bank.
- Monthly payment
- €2,686
- 360 payments
- Total interest
- €371,874
- Total amount payable
- €974,808
- payments and loan costs
- Cash needed at the deed
- €306,100 - €311,200
- down payment, purchase taxes, agency fee incl. VAT, loan costs and notary, as a range
- Suggested net income
- at least €8,057 a month
- For the Bank of Italy it is reasonable for the payment not to exceed one third of disposable income, also of several borrowers together. It is a prudence rule, not a requirement: every bank has its own criteria.
- Italian tax relief (IRPEF)
- up to €760 in the first year
- 19% of the interest and loan costs on a main home, up to €4,000 a year per contract (€760 of tax), split between the borrowers. Above €75,000 of income, for loans signed from 2025, it counts towards the overall cap on deductions; and from 2026, above €200,000, total deductions are cut by €440.
- Down payment€255,000
- Purchase taxes (as a main home)€1,838
- Agency fee incl. VAT€41,480
- Loan costs€2,838
- Notary, purchase and mortgage deeds (estimate)€4,900 - €10,090
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: August 2026, provisional.
Over a year this average moved from 3.31% (August 2025) to 3.60% (August 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% (€1,488), arrangement fee €1,000 (assumption), valuation €350, fire insurance €134 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 August 2026 was 3.99%.
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
- ECB, bank interest rate statistics (MIR): the series used
- Bank of Italy, Banks and money: national data
- Bank of Italy, consumer guide to home mortgages
- Substitute tax: Presidential Decree 601/1973, art. 18
- Interest tax relief: Italian Revenue Agency
- Typical costs: bank information sheets and October 2026 comparisons
- The notary: our estimate; archive tax and contributions under Ministerial Decree 265/2012
- Green mortgages: October 2026 comparison
Rates updated on 20 October 2026.
Floor plans
Browse the drawings; tap the plan to enlarge it.
Drawing 11 of 2
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
- Elevator
- Penthouse
- Seafront
- Old town
- Attic
- Terrace
- Top floor
Location
Approximate location within the area. The exact address is shared on request.
How we used AI in these photos and in the video
38 of 43 photos retouched with AI: 21 edited and 9 simulations, marked on the photo; 8 in light and colour only. On 5 photos the “AI” label is precautionary, pending review. The viewing remains the only reference.
How we edited them
This listing has 43 photographs: 32 are still images taken from the property's 3D virtual tour, scanned on 17/09/2026, 6 are drone shots taken on 31/07/2026, and 5 are photographs taken on site on 19/04, 06/09 and 08/09/2026, published as they are, with no retouching and no artificial intelligence: two sunsets, from the roof terrace and from the terrace, and three mornings on the roof terrace with the planters as they were that day. The other 38 were edited with a generative image model (Google's Nano Banana family, used through the Higgsfield platform). In all 6 drone shots the model worked only where objects and people were removed: everything else in the image, including the sea and the coast, is the original photo; on the day of the flight the pergola did not yet have its louvres and the planters were not yet planted, and the shots show them that way.
The aim was to remove personal belongings, the equipment used for the survey and the materials of the landscaping work under way on the roof terrace. Removed were: clothing, towels, bottles and toiletries, a bath mat, papers, containers and desk items, a printer, speakers, exercise equipment, boxes and wrapped items, the cases and remote control of the survey equipment, two wine coolers moved out for maintenance, potted plants and a package on the kitchen island, loose cables, soil bags, plastic bags, buckets, hoses, timber, tools, a tyre, a potting bench with its pots, and the people at work on the roof terrace (workers and gardeners). In 2 photographs taken on the roof terrace the planters were filled with plants similar to those already there: today they are only partly planted, so those images show a state that does not exist yet.
In another photograph the pots on the floor under the potting bench were redrawn by the model. Furniture, lamps, pictures, books and the bottles on display were deliberately left; some photographs still show, as on the day of the survey, a wine cooler outside its niche, a garden hose, the soil bags and the irrigation liners on the roof terrace. Where an object was removed, the part of wall, floor or furniture it hid was not photographed: the model reconstructed it plausibly — for example the upper part of a towel rail that was covered by towels.
We did not ask the model to change dimensions, openings, floors, windows and doors, systems or finishes, but in some photographs it did so on its own, and we declare it: in two photographs of the kitchen area the wine cooler niche looks closed, while it is open; in one a niche light is switched on; in another a wall socket has disappeared; on the terrace a plate with a round opening and a socket became a plate that does not exist; on the roof terrace an empty planter appears covered by a lid that is not there; in the living room a cable hanging from the ceiling has appeared that is not in the original photo; the glimpse of a bathroom through a door was reinvented; in the study the desk was redrawn and a chair changed colour. The views are those photographed, except for the small areas covered by the removed objects. The building-site state of the roof terrace — planters partly empty, irrigation liners and pipes in view — remains visible in several photographs and in the 3D tour.
Light and colours were corrected as in a normal photographic retouch. The original photographs, before any editing, are available on request; the 3D tour is complete and unretouched. A viewing remains the only reliable reference for the actual condition of the property.
The video
Video generated with AI (Kling model, via Higgsfield) from photographs in this property's gallery, with the AI edits described in their captions: the camera movements are synthetic, not real footage. The video has no sound.
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