Semi-central

Recent build with garden, Strada per Basovizza

Strada per Basovizza, Semi-central, Trieste

€520,000

Apartment · 135 m² · 3 bedrooms · 2 bathrooms · raised ground floorEnergy class A145 photos

Mortgage€1,643 a monthexample: 70% over 30 years · TAN 3.54% · APRC 3.70%Calculate

Strada per Basovizza, Semi-central, Trieste

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3
Parking spaces, two under cover
A double garage, an open-air parking space and a cellar, each registered separately, are part of the sale.
Garage and cellar in category C/6, the open space as an urban plot (F/1).

From the drone, 16 m above the take-off point

From the drone, 19 m above the take-off point

From the drone, 24 m above the take-off point

From the drone, 31 m above the take-off point

From the drone, 38 m above the take-off point

From the drone, 52 m above the take-off point

Strada per Basovizza, for real

From the garden, until the gulf comes into view

↓ Scroll: the drone climbs

+52 mabove the take-off point

To the west: the valley running down to the city and, at the end, the gulf.

The drone climbs in front of the building: the terraces, the gardens, the panels on the roof, the green of the slope around it. At fifty metres it turns to the west: the valley runs down to the city and, at the end, there is the gulf. 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.

3D tour

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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.

Video

Property features

Type: Apartment
Surface: 135 m²
Rooms: 4
Bedrooms: 3
Bathrooms: 2
Floor: Raised ground floor

Energy class: A1 · 49.58 kWh/m² year
Renewable index (EPgl,ren): 9.62 kWh/m² year
Building envelope performance: Winter: medium · Summer: medium
Condition: Excellent / Renovated
Terrace: Yes
Sea view: Yes
Lift: Yes
Garage / parking: Yes
Heating: Independent

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 49.58 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

49.58kWh/m² year

16%

of the energy it uses is renewable

EPgl,ren 9.62 kWh/m² year

Building envelope

Wintermedium
Summermedium

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.

All green homes

Description

A 135 sqm apartment on the raised ground floor of a recent, small building — just a handful of units — set in the green of Sottolongera, on the hillside above San Giovanni, along Strada per Basovizza.

The private terraced garden runs to roughly 120 sqm and has an electric awning; from here the view opens up, with a glimpse of the sea, and privacy is complete. Indoors the condition is excellent: a dual-aspect living room that opens straight onto the garden, an eat-in kitchen with all appliances, and a sleeping area — master bedroom, children's room, and a study that doubles as a third bedroom — facing the greenery. Two full bathrooms. Oak parquet throughout.

There is a double garage and an open parking space. A lift serves the building, and the heating is independent.

Energy class A1 (APE dated 17/02/2021, Insiel TS1-REGAPE-2021-0003772).

Indicative taxes & costs

Purchase costs (one-off)

First-home taxes: ≈ €4,164
TriesteVillas fee: ≈ €20,800+ VAT
Notary: ≈ €2,300-4,500estimate, incl. VAT and costs
Indicative all-in purchase cost: ≈ €551,800 – €554,000

An indicative estimate: we work out the exact figures together, line by line.

Annual running costs

Service charges: ≈ €1,440/yr
Property tax · ILIA: Exempt (main home)
Waste tax · TARI: Occupants2≈ €257/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

€1,643a month

for a €364,000 mortgage (70% of the price) over 30 years: 360 monthly payments at a fixed rate

TAN: 3.54%; nominal annual rate
APRC (TAEG): 3.70%; 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.

Loan amount€364,000

70% of the price · down payment €156,000

Term30 years

360 payments

Nominal rate (TAN)3.54%

average of signed loans: 3.54%

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.

The Region guarantees the part above 80%, up to €42,500: on this home the loan can reach 86% 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: €1,643; 360 payments
Total interest: €227,500
Total amount payable: €597,297; payments and loan costs
Cash needed at the deed: €192,000 - €196,400; down payment, purchase taxes, agency fee incl. VAT, loan costs and notary, as a range
Suggested net income: at least €4,929 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€156,000
Purchase taxes (as a main home)€4,164
Agency fee incl. VAT€25,376
Loan costs€2,260
Notary, purchase and mortgage deeds (estimate)€4,160 - €8,590

Year by year: how much of the payments goes to capital and how much to interest

capitalinterest

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% (€910), arrangement fee €1,000 (assumption), valuation €350, fire insurance €82 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

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.