Ref. 0132 · City Centre
Fourth floor on Via Ponchielli, let until 2028
Via Amilcare Ponchielli, City Centre, Trieste
€1,000,000
Apartment · 158 m² · 3 bedrooms · 3 bathrooms15 photos
Mortgage€3,160 a monthexample: 70% over 30 years · TAN 3.54% · APRC 3.68%CalculateFourth floor on Via Ponchielli, let until 2028
Via Amilcare Ponchielli, City Centre, Trieste
With a lock-up garage
A garage is sold together with the flat: in the land registry they are two units, A/2 and C/6.
€3,000 a month
Let until 30 June 2028
A company uses it as staff accommodation: the buyer takes over the lease, which ends on 30 June 2028.
3D tour
The fourth floor, room by room
Scan date: 4 October 2022. The tour is a true capture, not retouched: it shows the property as it was that day.
Video
Fourth floor · The living area
4.86 × 8.30 m
One space, from the windows to the kitchen
The living and dining room and the island kitchen share a single space. The windows look onto Via Ponchielli, a pedestrian street, facing the side of the church of Sant'Antonio Taumaturgo; the measurements come from the 3D tour survey.
- Living and dining · 4.86 × 8.30 m
- Island kitchen · 3.50 × 4.80 m
- Main bedroom · 3.89 × 4.39 m, with walk-in wardrobe and bathroom
- Two more bedrooms · 3.14 × 4.22 and 3.55 × 4.20 m
The current lease
Let until 30 June 2028
Since 1 July 2023 the apartment has been let to a company, which uses it as accommodation for its managers. The first lease lasted three years; since 1 July 2026 it has been continued by a two-year lease ending on 30 June 2028. Below, the dates that matter and the rent.
- The first lease, three years1 Jul 2023 – 30 Jun 2026
- The current lease, two years1 Jul 2026 – 30 Jun 2028
- 1 Jul 2026The current lease begins
- 30 Jun 2027End of the first year, during which the company cannot withdraw
The monthly rent, year by year
€3,000
from 1 Jul 2023
€3,000
from 1 Jul 2026
from the lease calculated with ISTAT
How we know
€3,000 a month, €36,000 a year: the rent of the 2023 lease and of the 2026 renewal. The lease updates it every year by 75% of the change in the ISTAT index; what the company pays today is checked with the owner before an offer.
Two ways to read it
From completion
The buyer takes over the lease in the owner's place. The lease, the deposit and the guarantees are reviewed before an offer.
The rent
€36,000 a year, a gross 3.6% of the asking price. Ordinary service charges, a flat €70 a month, and utilities are paid by the occupant.
Until 30 June 2027
During the first year of the current lease the company cannot withdraw.
How we know
Dates and figures from the staff-accommodation lease of 28 June 2023, registered with the Revenue Agency on 13 July 2023, and from the renewal that continues it from 1 July 2026. Italian Civil Code, arts. 1599 and 1602. This is not legal advice: the takeover is prepared with the notary.
On foot, from Via Ponchielli
The Canal Grande two minutes away, Piazza Unità eleven
Piazza Sant'Antonio Nuovo and the Canal Grande are two minutes away, the Ponterosso four, the home's garage six, Piazza della Borsa eight, the Teatro Verdi ten, Piazza Unità eleven, the Molo Audace twelve, the central station fifteen. Only San Giusto is uphill. Choose a destination: the route is the real one, street by street.
8Piazza Unità d'Italia
11min there
11min back
784 m on foot · ↑ 1 m uphill · ↓ 2 m downhill
Close to home
The sea
On the hill
In town
Green spaces
Every day
How we know
How they are calculated: OSRM walking routes on OpenStreetMap data (FOSSGIS server), on 2 November 2026, from the stretch of Via Ponchielli in front of number 3. Walking speed is 4.5 km/h, plus one minute per 10 metres of ascent; elevations from the FVG Region's LiDAR survey (1 m terrain model, 2009). The photo, north up, is the FVG Region's 2017 true orthophoto, licensed CC BY 4.0.
In detail
For those who want to know everything
The in-depth chapters, with measurements and sources. Open them one at a time.
The building's history is in the City of Trieste's building archive; the apartment's in the land registry and the leases. The dates below come from there.
The city magistrate allows the two side wings of the building to be raised and a third floor to be built; occupancy of all the rooms is granted in August 1858.
The general city guide lists a ground floor, a mezzanine and three residential floors.
Part of the building is rebuilt: occupancy is granted in August 1906.
The city grants occupancy for a home on the building's fifth floor.
The fourth-floor apartment is redesigned inside: the new cadastral floor plan is dated 2 March 2018.
From 1 July the apartment is let to a company as staff accommodation.
City of Trieste, archive of building permits (ARCHIEP), registry number 1634 of the Città Nuova cadastral municipality, read on 23 October 2026; land registry extract of 28 November 2022; leases of 2023 and 2026.
Property features
- Type
- Apartment
- Surface
- 158 m²
- Rooms
- 4
- Bedrooms
- 3
- Bathrooms
- 3
- Floor
- 4 (soffitta al 5)
- Energy class
- Not yet stated
- Condition
- Excellent / Renovated
- Kitchen
- Open-plan
- Garden
- None
›The full description
Via Ponchielli is the pedestrian street that runs along the side of the church of Sant'Antonio Taumaturgo, at the head of the Canal Grande. On the fourth floor of a period building, a 158 sqm apartment (cadastral area) on a single level, with six windows onto the street, an attic room on the floor above and a 14 sqm garage at Via Silvio Pellico 6, a six-minute walk away, included in the price.
The living area is one open space: the living and dining room measures 4.86 by 8.30 metres and flows into the kitchen, 3.50 by 4.80, with an island, the hob, two built-in ovens and an extractor hood set in the ceiling. A grey fitted wall holds the television and shelves.
A corridor leads to the sleeping area: the main bedroom, 3.89 by 4.39 metres, with a walk-in wardrobe and its own bathroom with bath and shower; two more bedrooms, 3.14 by 4.22 and 3.55 by 4.20, one with built-in wardrobes; two further bathrooms and a laundry. Wooden floors and recessed lighting throughout. The interior was redesigned in 2018, as the cadastral floor plan of that year records.
The apartment is currently let to a company, which uses it as accommodation for its managers. The current lease runs from 1 July 2026 to 30 June 2028 at €3,000 a month, €36,000 a year, a gross 3.6% of the asking price; ordinary service charges and utilities are paid by the occupant. A buyer takes over the lease; a buyer who wants to live there gets it vacant when the lease ends.
The apartment is occupied: viewings are arranged with at least one week's notice. In the meantime the 3D tour, made on 4 October 2022 before the letting, lets you walk through it room by room.
On foot, on routes calculated with OpenStreetMap: Piazza Sant'Antonio Nuovo and the Canal Grande two minutes away, the Ponterosso four, the garage six, the covered market seven, Piazza della Borsa eight, the Teatro Verdi ten, Piazza Unità eleven, the Molo Audace twelve, Trieste Centrale station fifteen.
Cadastral data: apartment category A/2, 7.5 rooms, 158 sqm, cadastral income €1,394.43, on the fourth and fifth floors; garage C/6 of 14 sqm on the second floor of Via Silvio Pellico 6, cadastral income €95.44. Price: €1,000,000.
Energy performance: the apartment has an energy performance certificate dated 31 October 2017. We are obtaining a copy: class and index will be shown here as soon as they are available.
Indicative taxes & costs
Purchase costs (one-off)
- TriesteVillas fee
- ≈ €40,000+ VAT
- Notary
- ≈ €2,800-5,500estimate, incl. VAT and costs
Annual running costs
- Property tax · ILIA
- Exempt (main home)
- Waste tax · TARI
- Occupants2≈ €277/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
€3,160a month
for a €700,000 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
- Monthly payment
- €3,160
- 360 payments
- Total interest
- €437,499
- Total amount payable
- €1,146,404
- payments and loan costs
- Cash needed at the deed
- at least €357,100 - €362,600
- down payment, purchase taxes, agency fee incl. VAT, loan costs and notary, as a range
- Suggested net income
- at least €9,479 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€300,000
- Purchase taxes (as a main home)not stated in the listing
- Agency fee incl. VAT€48,800
- Loan costs€3,100
- Notary, purchase and mortgage deeds (estimate)€5,210 - €10,710
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% (September 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% (€1,750), arrangement fee €1,000 (assumption), valuation €350, fire insurance €158 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
Rates updated on 20 October 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.
Location
Approximate location within the area. The exact address is shared on request.
How we used AI in these photos and in the video
1 of 15 photos edited with AI, with the edit marked on the photo. The viewing remains the only reference.
How we edited them
One of the 15 photographs was retouched with artificial intelligence: in the main bathroom the model (Google's Nano Banana family, via the Higgsfield platform) removed the reflection of the camera tripod from the mirror, and there the reflected wall and shower are reconstructed, not photographed. The other 14 are frames taken from the 360-degree panoramas of the 3D tour of 4 October 2022, corrected only for light and colour, without artificial intelligence. No virtual furniture, no hidden defects.
The video
Video animated with AI (Kling 3.0) from 8 gallery photos, none of them edited with AI: 5 shots animated with a slow synthetic push-in, 3 digital zooms of the photo without AI.
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