Ref. 0010 · Coastline

New Seafront Apartment with Sea-View Garden

Strada Costiera, Coastline, Trieste

€980,000

Apartment · 150 m² · 2 bedrooms · 2 bathrooms22 photos

Mortgage€3,097 a monthexample: 70% over 30 years · TAN 3.54% · APRC 3.68%Calculate

Strada Costiera, Coastline, Trieste

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Property features

Type: Apartment
Surface: 150 m²
Rooms: 3
Bedrooms: 2
Bathrooms: 2
Floor: Intermediate floor, level with the garden

Energy class: EPC issued on completion of works
Condition: New / Under construction
Kitchen: Open-plan
Terrace: Yes
Sea view: Yes
Pool possible: Yes
Heating: Independent

Description

Along the Strada Costiera gardens tend to climb. Retaining walls, terraces, steps — the slope is the rule here. At number 172, just short of Grignano, two hundred square metres of garden lie flat instead, facing open water with nothing in between.

The villa is newly built and holds three self-contained units, each with its own entrance and its own outdoor space. This is the middle one: about 116 sqm inside, twenty-five of terrace, and the garden. The garden is the reason to stop here. Wide enough for an above-ground pool of real proportions, level enough to lay a table anywhere on it. The sea is a walk away. The apartment also carries a small state maritime concession on the waterfront — room for a pair of sun loungers, no more: on this stretch of coast, not something that comes up when you need it.

Inside, the living area runs the whole width facing the garden, 8.70 m on its long side, with an open kitchen and two full-height sliding doors that open straight onto the grass. The main bedroom measures 6.51 × 3.02 and has its own bathroom; the second, 3.02 × 4.33, uses the other one and has a lobby in front of it that works as a dressing room. There is a proper storage room too — the thing new-build apartments almost always forget.

The finishes are the developer's, laid and never used: oak floors, large-format porcelain in both bathrooms, walk-in showers flush with the floor, independent heating, ducted air conditioning. The building has a green roof.

A parking space is available separately, at €50,000.

Miramare castle is a little further along the same road; central Trieste about ten minutes by car, Sistiana the other way.

Commercial floor area 150 sqm; the apartment measures 116 sqm internally, plus the 25 sqm terrace.

Indicative taxes & costs

Purchase costs (one-off)

TriesteVillas fee: ≈ €39,200+ VAT
Notary: ≈ €4,000-7,800estimate, incl. VAT and costs

Annual running costs

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

€3,097a month

for a €686,000 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.

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% (€1,715), arrangement fee €1,000 (assumption), valuation €350, fire insurance €154 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.

Amenities

Garden
Detached
New build
Waterfront
Terrace
Near the sea
Sea view
Parking space
Private sea access

Location

In the gulf · This home, and the other 47 in the catalogue around the gulf. Approximate position.

Approximate location within the area. The exact address is shared on request.

How we used AI in these photos

All 22 photos retouched with AI: 4 edited and 3 simulations, marked on the photo; the rest in light and colour only. The viewing remains the only reference.

How we edited them

The 22 images in this listing start from photographs of the interiors, the terrace, the garden and the surroundings, including aerial drone shots. All 22 went through a generative image model: 15 for light and colour only, 4 to remove objects, and 3 are simulations, which carry the label «AI · simulated» on the website. Removed were: in one drone shot, the white bulk bags and the objects on the lower terrace; indoors, the wooden boards leaning against a wall, the packaging on the floor and some cables in a corner.

In one photograph the model also removed a fixed element: the frame of a door, blurred in the foreground, and it rebuilt the corner of the room behind it. In the 3 simulations: the tall, unkempt grass in front of the railing was turned into a green, mown lawn; the glass of a glazed wall was cleaned of the smears it has in the photograph, and a black handle that is not in the photograph appeared on the frame; in one bedroom a model error shows, in the middle, an open passage to another room that does not exist: in the photograph there is a wall there. Where something was removed, what it hid was not photographed: the model rebuilt it, plausibly.

Compared with the photographs, the house, the vegetation, the trees, the railing and the sea view are as photographed, and the electrical boxes with exposed wires on a pillar are there and were left as they are; in the 15 photographs retouched for light only nothing was added or removed. Even where it changed only the light, the model recalculated the whole image: the fine grain of the surfaces is reconstructed, not photographed. Light and colour were corrected as in a normal photo retouch.

The original unmodified photographs are available on request; a viewing remains the only reference for the actual condition of the property.

How we use AI →