
Ref. 5249 · City Centre
Verdemare home A: 44 sqm living room and private garden
Via di Campo Marzio, City Centre, Trieste
€450,000
Apartment · 115 m² · 1 bedroom · 2 bathrooms18 photos
Mortgage€1,430 a monthexample: 70% over 30 years · TAN 3.59% · APRC 3.76%CalculateVerdemare home A: 44 sqm living room and private garden
Via di Campo Marzio, City Centre, Trieste
3D tour
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Scan date: 26 May 2026. The tour is a true capture, not retouched: it shows the property as it was that day.
Property features
- Type
- Apartment
- Surface
- 115 m²
- Rooms
- 2
- Bedrooms
- 1
- Bathrooms
- 2
- Floor
- 1st floor, with lift
- Energy class
- EPC issued on completion of works
- Garden
- Private
- Lift
- Yes
Description
On the first floor of the Verdemare complex, at Via di Campo Marzio 14, a 244 sqm apartment with a private garden is for sale. It was built as two apartments, joined before handover, and the owner is willing to divide it again. This is home A: about 92 sqm net and 115 sqm gross, with a private garden of about 49 sqm.
Home A is all about its living room: about 44 sqm in a single space with wooden floors, opening through glazed doors onto the garden and the timber deck, with a corner that is a study today. You enter from your own stairwell with a lift; the entrance has a built-in wardrobe, and a hallway leads to the sleeping area: a second bathroom with a window onto the light well, and a master bedroom of about 22 sqm, walk-in wardrobe included, with a large en-suite bathroom with shower and double basin. The bedroom faces Via di Campo Marzio, the living room the green inner courtyard of the complex. Central underfloor heating, with consumption metered separately.
What the owner does, and what she does not. At the stated price she takes care of the actual division, technical and cadastral: she closes the openings between the two homes (the door between today's kitchen and the living room, and the corridor at the master bedroom), brings the kitchen connections to home A, divides the garden by extending the existing hedge, repaints where needed, and handles the paperwork with the Municipality, the architect and the building management. She does not redo bathrooms or floors: where there is wood today there will be wood, where there are tiles there will be tiles. This is not a brand-new home: it is a 2015 home in good condition, divided and repainted where needed.
The images. The photo simulations labelled «AI simulation» give an idea of what can be done in these spaces, for example an open kitchen with an island in the living room: these works are not included in the price. The photos of the bedroom and bathrooms show the home as it is today, retouched with artificial intelligence only to remove personal belongings. Simulations and retouching were made with Google's Nano Banana, through Higgsfield, starting from real photos of the home. The floor plan is a diagram drawn by TriesteVillas on the 3D survey and, for the garden, on the cadastral plan: measurements and furniture are indicative. The 3D tour shows the whole apartment as it is today.
Timing, and how it works. Today the home is still a single unit: what is for sale is the whole apartment, 244 sqm at €790,000. The owner is willing to divide it, supported by an architecture studio ready to handle the procedure, but it will take some months, hard to predict precisely today. This is not something to rush: we will move diligently, one step at a time. So the first invitation is simple: come and see the home as it is, see whether you like it, and then start a conversation with us at TriesteVillas, so that everything gets a sensible timetable. Once there is an offer for home A and one for home B, things can really move: division, preliminary contract and finally the deed.
The indicative price of home A, divided this way, is €450,000. Private sale, no VAT. In the same complex a garage, a covered parking space and a cellar are available separately, on request.
Verdemare is a gated complex completed in 2015, with automated vehicle gates, a roof-garden park with a playground and underground garages, an eight-minute walk from the city's seafront. The energy certificate in force covers the whole apartment (APE 3200600874326 of 20/10/2026): class A1, EPgl,nren 40.82 kWh/m² per year, EPgl,ren 2.49 kWh/m² per year, building performance medium in winter and in summer. Each home will have its own certificate once the works are finished.
Indicative taxes & costs
Purchase costs (one-off)
- TriesteVillas fee
- ≈ €18,000+ VAT
- Notary
- ≈ €2,100-4,200estimate, incl. VAT and costs
Annual running costs
- Waste tax · TARI
- Occupants2≈ €240/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
€1,430a month
for a €315,000 mortgage (70% of the price) over 30 years: 360 monthly payments at a fixed rate
- TAN
- 3.59%
- nominal annual rate
- APRC (TAEG)
- 3.76%
- 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.
The buyer
Possible incentives
The Region guarantees the part above 80%, up to €42,500: on this home the loan can reach 87% of the value (100% up to €170,000). For those resident in the region for 24 months, with employment income and no other home; a 10- to 30-year loan, up to 150 sq m of usable floor area, energy class F or better; applied for at a partner bank before the deed.
- Monthly payment
- €1,430
- 360 payments
- Total interest
- €199,952
- Total amount payable
- €520,295
- payments and loan costs
- Cash needed at the deed
- at least €163,000 - €167,200
- down payment, purchase taxes, agency fee incl. VAT, loan costs and notary, as a range
- Suggested net income
- at least €4,291 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€135,000
- Purchase taxes (as a main home)not stated in the listing
- Agency fee incl. VAT€21,960
- Loan costs€2,138
- Notary, purchase and mortgage deeds (estimate)€3,910 - €8,130
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% (€788), arrangement fee €1,000 (assumption), valuation €350, fire insurance €71 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
- 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
- Regional loan guarantee: Friuli Venezia Giulia Region
- Typical costs: bank information sheets and October 2026 comparisons
- The notary: our estimate; archive tax and contributions under Ministerial Decree 265/2012
Rates updated on 3 November 2026.
Amenities
- Garden
- Elevator
- Greenery view
- Residential area
- Near the sea
Location
Approximate location within the area. The exact address is shared on request.
How we used AI in these photos
3 of 18 photos have been through a generative model: what changed is being checked photo by photo. The viewing remains the only reference. How we use AI →
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