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TriesteVillas
Historic villa, Strada Costiera

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%Calculate

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

AI 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.

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.

All homes on the water

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.

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.

5 min15 min30 min1 h2 hNESWSanta Croce6 minICTP6 minPortopiccolo8 minMiramare9 minDuino11 minBarcola11 minPiazza Unità18 minAirport28 minGrado51 minLjubljana1 h 17Venice ✈1 h 33The house
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.

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
›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.

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

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

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In the gulf · This home, and the other 54 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 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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