
Stone house in Contovello, above Miramare
Località Contovello, Karst & Plateau, Trieste
€335,000
Townhouse · 103 m² · 2 bedrooms · 2 bathrooms · Energy class G32 photos
Mortgage€1,065 a monthexample: 70% over 30 years · TAN 3.59% · APRC 3.78%CalculateStone house in Contovello, above Miramare
Località Contovello, Karst & Plateau, Trieste
The house in three numbers
€32,600
Short lets, in 2025
Gross takings as a holiday let, declared by the seller. Reviews: 4.86/5 on Airbnb (85) and 9.5/10 on Booking (58).
Before costs and taxes; living there part of the year means proportionally less. The business and listings open in the buyer's name, with our help.
≈ 100 m
From the door to the viewpoint over the gulf
The sea isn't visible from the windows — it is from there, two minutes' walk away, beside the church of San Gerolamo.
Walking route measured on OpenStreetMap.
1413
The year the village was founded
It is the only village around Trieste whose founding date is known: the city settled Karst farmers here to work its vineyards.
3D tour
Visit the home now
Scan date: 30 September 2026. The tour is a true capture, not retouched: it shows the property as it was that day.
Video
How we know
The drone climbs in front of the village, from the vineyards up above the roofs: the houses of stone and tiles, the pergolas, and below the houses the pastini, the stepped terraces of vines and kitchen gardens. Behind, the hills of the Karst. Higher up the drone turns west: below the edge of the plateau lies the sea, and on the shore Miramare Castle, a kilometre and a half from the house as the crow flies. Real drone photos (DJI Mini 3): no generative model, only resized. The heights are those the drone records in each shot, relative to where it took off, among the vines below the village; the distance to the castle is as the crow flies, from OpenStreetMap.
Property features
- Type
- Townhouse
- Surface
- 103 m²
- Rooms
- 4
- Bedrooms
- 2
- Bathrooms
- 2
- Floor
- G-1-2
- Energy class
- G · 303.23 kWh/m² year
- Renewable index (EPgl,ren)
- 17.12 kWh/m² year
- Building envelope performance
- Winter: low · Summer: medium
- Condition
- Excellent / Renovated
- Kitchen
- Open-plan
- Garden
- Private
- Building floors
- 3
- Lift
- No
- Heating
- Independent
Description
About 250 metres above the sea, on the ridge that falls towards Miramare Castle, Contovello is the only village around Trieste whose year of birth is on record: 1413, when the city settled farmers from the Karst here to work the vineyards above the gulf. This house stands at the heart of the village, among narrow lanes and pastel façades, and is built of the same stone as the rest of it.
Its 103 cadastral square metres are spread over three floors, each with a character of its own. The ground floor is one generous room — kitchen, dining table, sofas — under a ceiling of old beams and boards, with a door onto the lane and another at the back, opening onto a small lawn that the seller describes as private. Upstairs are two bedrooms, the second reached only through the first, and a shower room. At the top, a wooden staircase climbs into the attic, where the roof trusses stay exposed above a double bed, with a washbasin and WC.
The restoration kept the stone, the timber and the terracotta. The house has its own heating, with radiators; there is no air conditioning, and the stairs inside are steep — every house in the village has them. On request it is sold furnished, except for the artworks, the wedding chest and the dining table with its chairs.
Around the house, distances are counted in footsteps. From the front door: an osmiza — one of the Karst's farmhouse wine taverns — at 90 metres, the viewpoint at 100, the ruins of the castle from which Prosecco takes its name at 120, the church of San Gerolamo at 130 and a bus stop for the city centre at 140. The sea is not visible from the windows; from the viewpoint beside the church, the ridge looks out over the gulf. The lanes around the house are public, and in the little square neighbours still stop to talk.
A little further, Prosecco — with its supermarket, bakery, pharmacy and post office — is nine minutes away on foot; the Strada Napoleonica, the level path along the ridge from which Trieste watches the Barcolana regatta, running on to Opicina, a quarter of an hour; a stepped path drops to Miramare station in about twenty minutes. Lines 42, 44 and 46 run to Piazza Oberdan. By car, without traffic, the coast road is 9 minutes away, the Slovenian border at Fernetti 10, Sistiana 12, Piazza Unità 14 and Trieste airport 26.
There is no private parking: public spaces are about a hundred metres away, and Prosecco has a larger car park.
The house earns its keep while its owners are away. In 2025, run as a holiday let, it took €32,600 gross, declared by the seller; guests rate it 4.86/5 on Airbnb (85 reviews) and 9.5/10 on Booking (58). Whoever makes it a home for part of the year can let it for the rest, with takings in proportion: the business is registered in the buyer's own name, listings and CIN (Italy's national short-let code) included, and we help set it up. The demand has already proved itself.
The restoration also carries a ten-year tax deduction: with completion by the end of 2026, four annual instalments of roughly €4,500 are left. By law they pass to a buyer who is a private individual, unless the deed says otherwise, and they are set against Italian income tax (IRPEF), up to the tax due. Figures and documents are shared during negotiations.
Energy class G (EPgl,nren 303.23 kWh/m² a year), according to the 2019 certificate, which predates the latest works; a new certificate is in preparation and will appear here once ready.
Contovello, measured in footsteps
Real distances from the front door: on foot through the lanes, by car without traffic.

On foot
All within 140 metres
- 90 mThe nearest osmiza1 minThe farmer's own wine and cured meats, a few weeks a year: a leafy branch hung outside says it's open.
- 100 mThe viewpoint over the gulf2 minThe sea you can't see from the windows.
- 120 mThe ruins of the castle from which Prosecco takes its name2 min
- 130 mThe church of San Gerolamo2 min
- 140 mThe bus to the city centre2 minLines 42, 44 and 46 to Piazza Oberdan stop in the village.
- 700 mProsecco: supermarket, bakery, pharmacy, post office9 min
- 1 kmThe Strada Napoleonica14 minThe level path along the ridge from which Trieste watches the Barcolana regatta.
- 1.5 kmMiramare station20 minDownhill, along the stepped path.
By car
- 9 minThe coast road5.8 km
- 10 minThe Slovenian border at Fernetti10.7 km
- 12 minSistiana12.6 km
- 14 minPiazza Unità d'Italia8.8 km
- 26 minTrieste airport31.9 km
Routes calculated on 2 October 2026 from OpenStreetMap data (© OpenStreetMap contributors), without traffic. Walking times ignore the gradient: Contovello sits on the ridge.
Indicative taxes & costs
Purchase costs (one-off)
- First-home taxes
- ≈ €1,100
- TriesteVillas fee
- ≈ €13,400+ VAT
- Notary
- ≈ €1,900-3,800estimate, incl. VAT and costs
- Indicative all-in purchase cost
- ≈ €354,400 – €356,300
An indicative estimate: we work out the exact figures together, line by line.
Annual running costs
- Property tax · ILIA
- Exempt (main home)
- Waste tax · TARI
- Occupants2≈ €229/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
€1,065a month
for a €234,500 mortgage (70% of the price) over 30 years: 360 monthly payments at a fixed rate
- TAN
- 3.59%
- nominal annual rate
- APRC (TAEG)
- 3.78%
- 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
- Monthly payment
- €1,065
- 360 payments
- Total interest
- €148,853
- Total amount payable
- €387,952
- payments and loan costs
- Cash needed at the deed
- €123,400 - €127,200
- down payment, purchase taxes, agency fee incl. VAT, loan costs and notary, as a range
- Suggested net income
- at least €3,195 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€100,500
- Purchase taxes (as a main home)€1,100
- Agency fee incl. VAT€16,348
- Loan costs€1,936
- Notary, purchase and mortgage deeds (estimate)€3,540 - €7,360
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% (€586), arrangement fee €1,000 (assumption), valuation €350, fire insurance €53 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
- 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.
Floor plans
Browse the drawings; tap the plan to enlarge it.
Drawing 11 of 3
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
- Renovated
- Partly furnished
- Quiet area
- On the hill
Location
Approximate location within the area. The exact address is shared on request.
How we used AI in these photos
25 of 32 photos retouched with AI: 20 edited, marked on the photo; 5 in light and colour only. The viewing remains the only reference.
How we edited them
Of the 32 photographs in the gallery, 25 were retouched with a generative AI model (Google's Nano Banana, run on Higgsfield): 20 to remove what had been left out for guests or lying around — guest instructions, a chalkboard, a plate of notes, fans, an air cooler, a router, a power strip and cables, snacks, the dish rack, chopping boards, a tea towel, the washing machine sticker, magazines, books, bags, a cardboard box, and in the bathrooms towels and a mat, bottles and soap, cups and a dispenser, a bin, the spotlights' lens flare — and, outside, the short-let sign, a covered, chained-up scooter, clothes hung on the wall, a few boards on the grass and the name on the letterbox; 5 for the light only. What the removed objects hid was reconstructed by the model, including a stretch of the façade wall and the paving of the lane; where the model had reinvented paintings, lettering, the house number or tiles, we went back to the real photograph, except for some tiles in two bathroom photos. Furniture, paintings, plants and lamps are where they were (in some attic photos, the clothes rack and the air cooler too), and no defect has been hidden: the open side of the stairs with no railing; the cables strung around the attic stairwell; sockets and trunking fixed to the stone wall; worn terracotta and wood; the patchy façade with its wires, the cracked concrete at the back.
The 7 views from the drone and from the windows, the video at the top and the aerial shot further down the page are real footage, adjusted for light and colour only; in one photo a number plate is blurred. The originals can be requested; for the real condition of the house, the viewing is what counts.
How we use AI →When you can visit
The house is let to guests for short stays, so viewings take place on the days it is free, Monday to Friday, 10 am to 6 pm.
Not available for viewings
- 12–15 November
- 17–19 November
- 31 December – 5 January
On guests' arrival day, viewings are possible only until 12 noon.
Next available days
- Monday 9 November
- Tuesday 10 November
- Wednesday 11 November
- Thursday 12 Novemberuntil 12 noon
- Monday 16 November
- Tuesday 17 Novemberuntil 12 noon
- Friday 20 November
- Monday 23 November
Dates may change: every viewing is arranged with us and confirmed by us. Request a private viewing →
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Share two or three times that suit you: viewings are arranged around you.
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Who answers
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