Ref. 0016 · Semi-central
Renovated villa, first occupancy, Via Buonarroti
MIchelangelo Buonarroti, Semi-central, Trieste
€1,377,000
Villa · 380 m² · 5+ rooms · 4 bathrooms · ground floor · Energy class D23 photos
Mortgage€4,377 a monthexample: 70% over 30 years · TAN 3.59% · APRC 3.87%CalculateRenovated villa, first occupancy, Via Buonarroti
MIchelangelo Buonarroti, Semi-central, Trieste
1894
The year the villa was built
Built at the end of the nineteenth century and recently renovated: the buyer will be the first to live in it after the works.
The year comes from the energy performance certificate.
4 levels
From the lower ground to the tower
Lower ground, ground, first and second floor: a whole building, and the energy certificate covers it as one. At the top, the tower has a room of its own.
3D tour
Visit the home now
Scan date: 20 August 2025. The tour is a true capture, not retouched: it shows the property as it was that day.
Video
How we know
On 4 June 2025 the drone took off from the garden and climbed around the villa: the roof terrace beside the dome, the façade, the round tower on the corner. Then up to 80 metres, where the city runs down to the port and the gulf. Real drone photos (DJI Mini 3), 4 June 2025: no generative model, only resized. The heights are those the drone records in each shot, relative to the garden it took off from.
Property features
- Type
- Villa
- Surface
- 380 m²
- Rooms
- 5+
- Bathrooms
- 4
- Floor
- Ground floor
- Condition
- Excellent / Renovated
- Energy class
- D · 130.7 kWh/m² year
- Renewable index (EPgl,ren)
- 24.53 kWh/m² year
- Building envelope performance
- Winter: low · Summer: medium
- Kitchen
- Eat-in
- Terrace
- Yes
- Heating
- Independent
Description
A detached villa on Via Buonarroti, in Trieste's semi-central belt: 380 sqm of house, 250 sqm of private garden, and an 1894 building restored inside and out — ready to move into.
Three floors above ground sit over a basement that holds the plant rooms and the garage. Tying the levels together is a round glazed room that returns on each one. The ground-floor kitchen is fitted with professional ovens, a blast chiller and a wood-fired range; large reception rooms and a sizeable mosaic bathroom open off it. On the first floor, two bedrooms, a full bathroom and a study/dressing room. The attic adds two further rooms and a bathroom with a freestanding tub, from which a staircase climbs to the panoramic terrace in the Venetian altana style. Four bathrooms in all.
The garden is well kept, with automatic irrigation and vehicle access; video surveillance covers the whole property. Electrical and plumbing systems, roof, façades, floors and window frames have all been renewed.
Energy class D.
Indicative taxes & costs
Luxury cadastral category (A/1, A/8 or A/9): Italian first-home tax benefits do not apply — standard registration tax and ILIA due.
Purchase costs (one-off)
- TriesteVillas fee
- ≈ €55,080+ VAT
- Notary
- ≈ €3,100-6,000estimate, incl. VAT and costs
Annual running costs
- Property tax · ILIA
- ≈ €5,022/yr
- Waste tax · TARI
- Occupants2≈ €473/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
€4,377a month
for a €963,900 mortgage (70% of the price) over 30 years: 360 monthly payments at a fixed rate
- TAN
- 3.59%
- nominal annual rate
- APRC (TAEG)
- 3.87%
- 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
Luxury cadastral category (A/1, A/8, A/9): no first-home relief.
- Monthly payment
- €4,377
- 360 payments
- Total interest
- €611,852
- Total amount payable
- €1,603,966
- payments and loan costs
- Cash needed at the deed
- at least €506,700 - €512,700
- down payment, purchase taxes, agency fee incl. VAT, loan costs and notary, as a range
- Suggested net income
- at least €13,131 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.
- Down payment€413,100
- Purchase taxes (as a second home)not stated in the listing
- Agency fee incl. VAT€67,198
- Loan costs€20,628
- Notary, purchase and mortgage deeds (estimate)€5,730 - €11,790
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 2.00% (€19,278), arrangement fee €1,000 (assumption), valuation €350, fire insurance €217 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
- 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
- Detached
- Ground floor
- Terrace
- Video surveillance
- Panoramic view
Location
Approximate location within the area. The exact address is shared on request.
How we used AI in these photos and in the video
All 23 photos retouched with AI: 22 simulations, marked on the photo; the other one in light and colour only. The viewing remains the only reference.
How we edited them
The 23 images in this listing start from smartphone photographs of the villa taken after the renovation was completed. All 23 went through a generative image model (Google's Nano Banana family). 22 are simulations and carry the label «AI · simulated»: in four empty rooms the model placed furniture that is not there (two bedrooms, a walk-in wardrobe in the round room, a gym in the attic); in the furnished rooms it added paintings, plants, rugs, cushions and flowers, and in one living room it turned two armchairs into sofas; outside it made a dry lawn green, added flower pots, clouds and sunset light, and removed three parked cars and overhead cables. In several photos the model rebuilt or widened the framing, and in one kitchen photo it invented a viewpoint that was never photographed.
Only one photo (the front door) was retouched for light and framing alone. Each caption says what was added and what is real. The layout, openings, floors, finishes, bathrooms and kitchen were not altered: where the framing was rebuilt, what lies at the edges was not photographed.
The unmodified original photographs are available on request; a viewing remains the only reference for the actual condition of the property.
The video
Video edited from photographs of this property modified with AI, almost all of them simulations: rooms furnished by AI and reconstructed views (the details of each photo are in the gallery captions). The voice-over is AI-generated.
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