
Ref. 0003 · Coastline
Historic villa, Strada Costiera
Strada Costiera, Coastline, Trieste
€950,000
Villa · 205 m² · 3 bedrooms · 2 bathrooms · on multiple levelsEnergy class C76 photos
Mortgage€3,002 a monthexample: 70% over 30 years · TAN 3.54% · APRC 3.68%CalculateHistoric villa, Strada Costiera
Strada Costiera, Coastline, Trieste
The house in three numbers
1913
The Pensione Santa Croce
In 1913 the engineer Robert Lutz, from a Swiss family, bought this slope; in the following years he opened a vegetarian guesthouse on it: this villa is one of its two houses.
From the guesthouse's papers and the 2014 deed: the full story is below.
37 steps
Fewer, with the planned lift
Today you climb on foot from the road, about 120 steps. Landscape approval is in place for two parking spaces and a lift that removes the first flight; the building authorisation and the planning check are still to be done.
We estimate the cost at about €100,000, no quotations yet.
+ €100,000
The guesthouse chalet
The timber annex just above the villa already appears in the period view and belongs to the same cadastral unit as the villa: with the chalet, €1,050,000.
The villa alone, at €950,000, first requires the chalet to be split off, to be agreed with the seller.
3D tour
Inside the villa, room by room
Scan date: 19 June 2023. The tour is a true capture, not retouched: it shows the property as it was that day.
Video
Home on the water
The sea a few steps away.
The shore about 160 metres away · the nearest bathing water point about 290 metres away
Bathing water quality
- in 11 of 11 seasons
- Excellent
- the sea in August, on average
- 25.4 °C
- days a year above 20 °C
- 133
- days a year above 24 °C
- 68
Quality: European Environment Agency, nearest bathing water point, 2015–2025 seasons. Sea: NASA JPL MUR satellite data, 2003–2025 averages for the Barcola–Sistiana stretch of coast.
The hillside in 3D
Walk around the house, from the sea to the Karst
The houses and the garden rebuilt in 3D from our own drone footage: the villa, the chalet, the villa next door, the stairs from the road, the roofs and terraces as the drone captured them; further down the shore, pebbles and cliff, from the low 2026 flight along the water. Around them, the hillside comes from the Region's laser survey, down to the steps to the sea and the old station. Pick a view, fly, change the daylight; the “from the first floor” view looks at the gulf from that height.
The sea, measured
The gulf is visible from 93% of the land
The house stands on the slope of the Costiera that faces the open gulf, 165 metres from the sea as the crow flies and 85 metres above it. The land has been measured spot by spot, every four metres, on the Region's laser survey and with the surrounding houses: for each spot, how much of the horizon the sea fills. Choose where to stand. The panorama shows what you see from there at eye level, with the names of the places, and where the sun sets on the day you choose.
- 93%
- of the land sees the sea at eye level, with the surrounding houses
- 91%
- even counting every tree as a solid wall
- 160°
- of horizon filled by the sea, from the first floor
- 165 m
- from the sea as the crow flies; a little over 250 metres on foot down the steps
How we know
How it is made. Land: digital terrain model from the laser survey of the Autonomous Region of Friuli Venezia Giulia (1 m and 10 m grids); beyond the regional borders and up to 130 km, Terrarium elevation data. Buildings: heights from OpenStreetMap. Trees: canopy height map by Meta and World Resources Institute (2018). Boundary: the three cadastral plots (Italian Revenue Agency). Eye at 1.6 m above the ground; from the first floor, eye at 89.6 m above sea level, an estimated height because the survey does not contain the house. Earth curvature and refraction included. The mountains of Friuli, 100–120 km away, show only on clear days.
The sea by the house, measured
Excellent water, measured since 2010
From the coast road to the shore is about four minutes on foot. The nearest ARPA sampling point lies between the small harbour of Santa Croce and Aurisina: from April to September the water has been checked every month since 2010, no sample has ever exceeded the legal threshold, and the European Environment Agency rates it «excellent» in each of the last eleven seasons. The satellite does the rest: above 25 degrees in July and August.
Water quality and sources
Samples and beach temperatures: ARPA FVG, point IT006032006011 «Tra Santa Croce Porto e Aurisina Filtri» (FVG Region open data, 102 samples 2010-2026; beach temperatures up to 2025). Ratings: European Environment Agency 2015-2025; 2026 season, FVG Region resolution no. 1855 of 19 December 2025. Single-sample thresholds: Italian Ministerial Decree of 30 March 2010, annex A. Sea temperature month by month: NASA JPL MUR SST, daily average 2003-2025 of the sea cell off the house (45.73 N, 13.68 E); days above 20 °C are the average of the years (116-154). The satellite measures the surface offshore, the beach the shoreline: the two are never mixed.
Above the sea, below the Karst
The sea at the foot of the steps, Trieste eighteen minutes away
The house sits halfway up the slope, between the Strada Costiera and the village of Santa Croce: at the bottom of the public steps is the small pebble beach, a little over 250 metres away; behind the house the public steps climb up to the railway. By car — times start from the coast road, below the garden — ICTP is six minutes away, Grignano seven, Portopiccolo eight, Trieste eighteen, the airport less than half an hour. Every destination below sits in its true direction; the distance from the centre is the time by car.
All destinations, with times
The Karst
- Santa Croce village6 min
- Prosecco12 min
- Opicina19 min
Schools and science
- ICTP6 min
- SISSA18 min
- University of Trieste21 min
The city
- Central Station16 min
- Piazza Unità d'Italia18 min
The sea
- Grignano harbour7 min
- Miramare Marine Protected Area7 min
- Portopiccolo8 min
- Miramare Castle9 min
- Duino11 min
- Barcola seafront11 min
- Sistiana bay13 min
- Grado51 min
- Lignano Sabbiadoro1 h 11
Hospitals
- Ospedale Maggiore (hospital)20 min
- Cattinara Hospital25 min
Getting away
- Slovenian border (Fernetti)21 min
- Trieste Airport28 min
- Koper43 min
- Udine47 min
- Piran1 h 01
- Ljubljana1 h 17
- Venice Airport1 h 33
- Venice, Piazzale Roma1 h 41
How we know
Times calculated on 21 October 2026 on OpenStreetMap (OSRM, routing.openstreetmap.de) from the Strada Costiera at the foot of the garden, in free-flowing traffic: at rush hour allow a few minutes more.
In detail
For those who want to know everything
The in-depth chapters, with measurements and sources. Open them one at a time.
In November 1913 the engineer Robert Lutz, from a Swiss family, bought a plot at Santa Croce sloping down to the sea and built two houses and a few outbuildings on it, in masonry and in timber: the Pensione Santa Croce. Vegetarian food, plenty of fruit, no alcohol, and guests could sleep in the open air. The period view and a view taken today from the same side of the slope show that the two houses and the chalet are still there.
Period view of the Pensione vegetariana Santa Croce
Period view “Pensione vegetariana Santa Croce”, author and date not established, source of the scan to be clarified; enlarged without generative models.
The two villas, the chalet and the pavilion seen from a drone
Real drone photograph, March 2025, no other retouching: we only blurred a person in the doorway.
Robert Lutz, an officer and engineer of the Austro-Hungarian Navy, marries Hede von Trapp, sister of the commander Georg von Trapp. The marriage was later dissolved.
Lutz buys a plot at Santa Croce running down to the sea, close to the station: he will make it a guesthouse.
He builds two houses, first the one towards Trieste, then the renovated villa, and the outbuildings: a chalet, a garden cabin and a workshop. The guesthouse follows the principles of the Zurich physician Bircher-Benner: fruit, cereals, raw food, no alcohol, and grape juice made on site.
The coast road is opened. Until then guests came by train: the Santa Croce station, closed in 2002, is little more than a hundred metres away.
A leaflet printed in Trieste describes it as “facing the open sea and the new coast road”: season from March to October, a weekend package, camp beds on the covered terraces.
The heirs sell the part with the first house: since then the two houses have had different owners. Today the two houses and the chalet still stand on the same slope.
Printed leaflet, Trieste, 1935 (printer's date, last digit uncertain)
Advertising card, probably 1930s, undated
Sources: the two original leaflets and the papers kept by the owner, the 2014 deed of sale (it records a 1975 easement in favour of plots in land-register entry 442, the entry that, according to the 2006 note, Lutz bought in 1913), the Neue Deutsche Biographie for the 1901 marriage, Il Piccolo of 8 August 2023. The order in which the two houses were built and the 1993 sale come from recollections gathered in 2006. The leaflets are reproduced in full: given their age they are in the public domain.
Six public aerial photos, from the black-and-white survey of 1989 to the Region's flight of March 2017, laid on top of each other metre by metre. Drag the slider: one year dissolves into the next, and the hillside changes around the house.
Black and white: the house is already there, between the Strada Costiera and the railway.
Black-and-white orthophoto, flown in 1989 («1988-89» series) · Italian National Geoportal, Ministry of the Environment (CC BY 4.0)
Above the house the dry-stone terraces can be read one by one; out at sea, rows of buoys.
Black-and-white orthophoto, flown in 1997 («1994-98» series) · Italian National Geoportal, Ministry of the Environment (CC BY 4.0)
The first colour flight: the clay-tile roofs, the green of the terraces and of the woods above the railway.
Colour orthophoto, flown in 1998 («2000» series) · Italian National Geoportal, Ministry of the Environment (CC BY 4.0)
The terraces around the house are cultivated, one after another, up to the railway.
Colour orthophoto, flown in 2007 («2006» series) · Italian National Geoportal, Ministry of the Environment (CC BY 4.0)
The green covers almost all the terrace walls: from above, only the roofs and the road stand out.
Colour orthophoto, flown in 2011 («2012» series) · Italian National Geoportal, Ministry of the Environment (CC BY 4.0)
March: the still-bare trees let the terrace walls above and beside the house show through again.
True orthophoto 2017-2020, flown 12-29 March 2017 · Autonomous Region of Friuli Venezia Giulia (CC BY 4.0)
Real photos: no generative model, only cropping, resampling to 0.5 m per pixel and alignment on the 2017 flight, which corrects shifts of a few metres between flights. Frame of 640 × 480 m, north at the top.
The true profile of the slope beneath the villa, from the village of Santa Croce down to the sea floor. The villa stands on flysch, layered sandstone and marl that crumbles into workable soil: the rock of the terraces. Above 200 metres the limestone of the Karst begins; under the sea the bottom slopes gently, to about 12 metres half a kilometre from the shore.
Palaeocene-Eocene, about 60-40 million years ago
Palaeocene-Early Eocene, about 65-50 million years ago
Late Cretaceous-Palaeocene, about 100-56 million years ago
Profile computed along the line perpendicular to the coast through the villa's terrace: land from the LiDAR survey of the Friuli Venezia Giulia Region (1 m terrain model, 2009 flight), one point every 4 m; sea from the EMODnet Bathymetry sea-floor model (cells of about 115 m: between the shore and the first cell at sea the bottom is interpolated); surface rocks from the regional geological map; roads and railway from OpenStreetMap.
ARPA monitoring point between Santa Croce harbour and Aurisina, 250 m away: rated excellent in 2025 and 2026, six samples out of six within limits in 2026
«Miramare and Trieste coast» Biosphere Reserve
the villa lies in the transition zone of the MAB programme, Man and the Biosphere
a protected landscape since the decree of 20 April 1964; the regional landscape plan calls it a «farming mosaic of flysch, terraces and cultivated slopes»
that is where the Natura 2000 site «Karst areas of Venezia Giulia» begins; the villa already lies in the «Carso» Important Bird Area
The radar satellite that watched six days of Bora in 2003 lets us compare the coast stretch by stretch. Off Santa Croce, one to three kilometres from the shore, the wind over the sea was about a quarter weaker than off the Trieste Molo in the median, and it was weaker on five days out of six; off Barcola, Sistiana and Duino the signal is not stable. This is the wind over the sea: on land, along the coast road, nobody has ever measured it.
Wind over the sea: RADARSAT radar images of six Bora episodes in 2003 (26 January-16 February), from Signell et al., Journal of Geophysical Research 115, C04020 (2010), figure 10, in our reading of the colours: cells 1-3 km from the shore compared with the same off the Molo F.lli Bandiera. The direction of the Bora from the strongest gusts at the Molo F.lli Bandiera (ARPA FVG-OSMER, event reports 2020-2026): median 68°.
The house stands about twenty metres above the coast road and today you reach it on foot, up a stone stair of about 120 steps. Landscape approval has been obtained for two parking spaces at road level and a lift that removes the first flight. It is the first step, not the last: below, what changes and what is still missing.
The stone wall on the coast road and the stairs climbing to the house
Today: the wall on the coast road and the stairs up to the house. Real photograph, December 2025.
Project simulation: the stone lift tower and the parking area along the road
Indicative simulation of the project: materials, finishes and planting of the finished work may differ. The tall building in the background is not the villa.
Obtained for the two parking spaces and the lift. It is the precondition for building: on its own it is not enough.
Still to be filed with the municipality: the owner is working on it with his technical adviser.
That of whoever owns the existing stairs, where the lift arrives: in the drawings the first flights run over a plot owned by others, to be checked in the land register; that of the body managing the road, which is a regional road, to be updated or obtained; the structural design; and the planning check, which is the delicate point: parking and tower lie within the road's buffer strip, on an area the 2014 deed describes as not buildable.
Only after the previous steps, with builders chosen on quotation.
This is our estimate for the parking spaces and the lift together, not a quotation: it will have to be checked against builders' offers.
From the project drawings: height difference from the road to the terrace 20.44 m; first flight of 12 + 25 risers up to the landing at +6.40 m, where the lift arrives, in a tower about 10 m high clad in stone; two 5 × 2.5 m bays in line, at road level, on the villa's strip of land between the road and the wall. The other risers (about 85) are counted on the plan, not surveyed on site. The section is unrolled along the stairs: the first two flights rise parallel to the road.
Property features
- Type
- Villa
- Surface
- 205 m²
- Rooms
- 4
- Bedrooms
- 3
- Bathrooms
- 2
- Floor
- On multiple levels
- Energy class
- C · 75.68 kWh/m² year
- Renewable index (EPgl,ren)
- 298.83 kWh/m² year
- Building envelope performance
- Winter: low · Summer: low
- Condition
- Excellent / Renovated
- Kitchen
- Eat-in
- Terrace
- Yes
- Sea view
- Yes
- Lift
- No
- Heating
- Independent
›The full description
This detached villa is one of the two houses of the Pensione Santa Croce, which the engineer Robert Lutz, from a Swiss family, opened on this slope of the coast road after buying it in 1913. It stands halfway along the Strada Costiera, some twenty metres above the road, with an open view over the Gulf of Trieste. It was fully renovated about ten years ago.
About 200 m² on several levels, with a straightforward layout. On the ground floor, entrance, kitchen and laundry. On the lower level a large room now used for storage, easy to turn into a study, home office or guest room. Upstairs the sleeping area, with a bathroom, the main bedroom and two further rooms.
Around it, the garden with fruit trees. The house is reached on foot from the road, up a stone stair of about 120 steps. Landscape approval has been obtained for two parking spaces at road level and a lift that removes the first flight, 37 steps: it is the first step, as the building authorisation is still to be filed and the owner is working on it with his technical adviser; a planning check is also needed, because the strip along the road lies within its buffer zone, and the right of way over the existing stairs, where the lift arrives, must be checked in the land register: in the drawings the first flights run over a plot owned by others. We estimate the cost at about €100,000, no quotations yet.
The sea is across the road: a public stairway goes down about 60 metres to a small pebble beach, a little over 250 metres on foot from the house. Behind the house the public stairway climbs up to the railway, and the old Santa Croce station, where the guesthouse's guests used to arrive, is little more than a hundred metres away.
Energy class C (75.68 kWh/m² per year). The timber chalet just above the house, the annex, is part of the same cadastral unit as the villa: with the chalet the price is €1,050,000; the villa alone, at €950,000, first requires the chalet to be split off, to be agreed with the seller. The villa next door, the guesthouse's other house, is for sale with a partner agency: the two can be bought together.
Indicative taxes & costs
Purchase costs (one-off)
- TriesteVillas fee
- ≈ €38,000+ VAT
- Notary
- ≈ €2,800-5,400estimate, incl. VAT and costs
Annual running costs
- Property tax · ILIA
- Exempt (main home)
- Waste tax · TARI
- Occupants2≈ €319/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
€3,002a month
for a €665,000 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
- €3,002
- 360 payments
- Total interest
- €415,624
- Total amount payable
- €1,089,206
- payments and loan costs
- Cash needed at the deed
- at least €339,500 - €344,900
- down payment, purchase taxes, agency fee incl. VAT, loan costs and notary, as a range
- Suggested net income
- at least €9,005 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€285,000
- Purchase taxes (as a main home)not stated in the listing
- Agency fee incl. VAT€46,360
- Loan costs€3,013
- Notary, purchase and mortgage deeds (estimate)€5,110 - €10,510
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% (€1,663), arrangement fee €1,000 (assumption), valuation €350, fire insurance €150 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.
Amenities
- Period property
- Garden
- Detached
- Near the sea
- Quiet area
- Terrace
- Sea view
- On the hill
- Partly furnished
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 76 photos retouched with AI: 11 edited and 11 simulations, marked on the photo; the rest in light and colour only. The viewing remains the only reference.
How we edited them
Of the 76 images in this listing, 61 start from photographs and drone shots of the villa, the garden and the shore. All 61 went through generative image models used via the Higgsfield platform: 30 with Google's Nano Banana, 31 with ByteDance's Seedream. 39 were retouched for light and colour only: the warm sunset light is simulated, and the drone shots are cropped. In 11, objects were only removed: a saddle, a chest of drawers, a holdall and a bin, two vacuum cleaners, a jacket, a decoration on the front door, the materials stacked in a room of the wooden cabin, leaves from the steps, cables and a pole, the photographer's finger and, in two photos, the clouds. 11 are simulations and carry the label «AI · simulated»: in seven the sky was replaced by a sunset sky (in one an olive tree was also added), in one the model invented a stone staircase in front of the wooden cabin, in one the view through the cabin door, in one it turned a ground-level shot into an elevated view, and in one drone shot it rebuilt the edge of the image.
Where something was removed, what it hid was not photographed: the model rebuilt it. In one photo (the wall with the wooden boat) the model erased the flaking plaster below the windows, which is there in reality, and the caption says so. Otherwise walls, finishes, furniture, garden and views are as photographed.
The other 15 are real drone shots taken in 2025 and 2026: they went through a generative image model (Google's Nano Banana family, used via the Higgsfield platform) for the light only, and the published image is not the one the model produced but the original photograph, with the light and saturation of the processed version and its original colours; no building, tree, cable, car, boat or person has been added, removed or moved. The 9 photographs of the sequence that goes down from the terrace to the road are published with no retouching at all. 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, some of which are simulations with added elements (the details of each photo are in the gallery captions). The voice-over is AI-generated.
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