Bare ownership with annual profitability of 11%

Umbria - Lake Trasimeno | Nuda proprietà sul Lago Trasimeno Ref. code 5G8B

Luxury villa for sale as bare ownership for investment

Estimated value: 3.700.000 Euro Euros 2,200,000

Details and accessories

Existing Swimming pool
  • Surface: 1.658 mq
  • Bedrooms: 12
  • Bathrooms: 15
  • Land: 6 ha
  • Conditions: excellent
  • Energy efficiency rating: G
  • EPi: 385.13
  • Feaseability to split in two units
  • Fireplace
  • Garden with lawn
  • Guest house
  • Swimming pool

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+39 0743 220122

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Km 2

Nearest town

Km 2.5


Km 37


Km 138


Km 2


Brief description

Great opportunity to purchase as an investment a high quality property with a view of Lake Trasimeno, for 2.200.000 Euros instead of its true estimated value of 3.700.000 Euros, equal to an estimated annual return of 11%. Hilly and panoramic location, 12 bedrooms, 15 bathrooms, pool and 6 hectares of land.

Description of buildings

The advantages of bare ownership

Bare ownership is the best method of high-return investment (in this specific case with a ROI - Return on Investment of more than 11% per annum) because it allows the purchase of a building at a reduced price compared to the real market value.


Why the price is lower

The reduction in price is due to the fact that the owner who is selling the property retains the right to live there for the rest of their life, or in this case, for a limited period of only 8 years, after which the bare owner regains the right and becomes full owner of the property at full market value.


In the specific case of this property, the owner has decided to retain the use for 8 years from the date of the deed of sale as bare ownership, also reserving the right to €7,500 a month in anticipated earnings.



How the price has been determined

The reduction in the asking price is established based on official calculations which take into account the life expectancy and age of the owner. Each year that passes, as the age of the owner increases, so does the value of the property.


Market value and sale price

In the specific case of this villa, the market value has been estimated at 3,700,000 Euro while the asking price for bare ownership is 2,200,000 Euro. This represents a difference of 2,000.000 Euro.


Therefore, in 8 years, the capital in respect of the original investment of 2.2 million Euro will double with an annual increase of around 250,000 Euro with a ROI - Return on Investment of 11% per annum.  


Double return

In reality the return will be higher over time as the value of the building appreciates, depending on the growth of the market, to be expected given the current time in which the market has achieved minimum value over the last 4-5 years.


Investment for own use

Bare ownership can be a perfect alternative for those looking to buy a property as a rental income, because it is like collecting all of the monthly rent immediately by deducting it from the price and one can avoid the sorts of problems and responsibility that can come with a rental property.


Bare ownership can also be purchased as prevision for some future use, for ones children or to have increased capital.


Pure investment

It is also possible to sell the same bare ownership at any time, even after only a few years, taking advantage of the increase in market value along with that of the bare ownership figures.



Geographic position

In a private, hillside location, with a magnificent view of Lake Trasimeno, stands Villa Panoramica, a prestigious property consisting of a large main villa with an adjacent country house and nearly 6 hectares of private land with swimming pool.

The location is convenient, as it is near a small town (1.5 km) on the shores of the lake and with all amenities and just 26 km from Perugia, which can easily be reached in less than 20 minutes, thanks to the Perugia-Bettolle motorway link.

The nearest airport is that of Perugia S. Egidio, at 37 km, while the airports of Florence and Ancona are respectively 140 km and 148 km away.



Description of buildings

The property consists of a large villa with an adjacent country house, which, if desired, have separate entrances.


The main villa is newly built and is spread over three levels. It has a total gross floor area of 1,143 sqm, of which 392 sqm in the basement floor.

On the ground floor, which measures 380 gross sqm, there are large living areas and an apartment for service staff: the entrance leads into an open-space with a living/dining room, to the right of which there is a kitchen with an island and to the left a lounge with a fireplace and another dining area. 
To the rear, towards the uphill side, there are large utility areas with two pantries, several hallways, a bathroom and a comfortable apartment with a kitchen/living room with fireplace, a bedroom and a bathroom, currently used by service staff.

The first floor, which measures 370 gross sqm and can also be reached by lift, is divided into two apartments facing each other, each one consisting of an entrance hall, a living room with fireplace, a kitchen with a terrace, 3 bedrooms, 3 bathrooms and two storage rooms.

The basement floor, which can also be reached both via an internal staircase and by lift, has a floor area of 392 sqm, used entirely as utility rooms (cellars, storerooms).


The stone country house is adjacent to the main villa and can be reached via an internal connection. It measures 515 gross sqm, plus a porch of 77 sqm. The building is spread over multiple levels and follows the slightly sloping ground. 
The entrance is on the middle floor, where there is a small apartment that has a living room with fireplace, a small kitchen, a bedroom and a bathroom.

By climbing a few steps, you can get to a first bedroom with bathroom and a study, overlooking the living area of the floor below.

The living area can be reached by going down from the entrance and features a series of rooms on different levels. 
Here, there is a small lounge with a fireplace facing the dining room and behind it there is a kitchen. 
From the dining room, by going down a few steps, we reach a lounge with fireplace and a study area, with a quaint cellar room hidden behind a large bookcase. Following on there is another dining area, larger than the previous one.

This floor has direct access to an external porch.

The sleeping area inside the country house is on the top floor and consists of 3 bedrooms with en-suite bathroom.

On the land belonging to the property, there is also a shelter, with a total floor area of 184 gross sqm, which is used as a tool shed.

State and finishing

The buildings were created in different periods.

The villa is newly built and in perfect condition. It is externally plastered and has excellent quality finishes, with modern elements warmed by the whitened wood beamed ceilings and hardwood floorboards.

The stone country house is in good condition: internally, it has ceilings with wooden beams and flat tiles, terracotta floors in the living area and parquet floors in the bedrooms.

External areas

The buildings are surrounded by almost six hectares of private land, partly kept as a garden and a car park, in which a swimming pool with a panoramic view of Lake Trasimeno has been built, in front of the villa.

Use and potential uses

The villa is a beautiful representative residence, perfect for families who wish to live near each other, keeping the large living space and the outdoor spaces as shared living areas. 
The stone country house is ideal as an outbuilding for guests.

Distances and location

  • Nearest village 2 Km
  • Cortona 25 Km
  • Perugia 26 Km
  • Assisi 58 Km
  • Todi 67 Km
  • Siena 86 Km
  • Spoleto 88 Km
  • Florence 127 Km
Sea and lakes
  • Adriatic Sea 138 Km
  • Lake Trasimeno 2 Km
  • Perugia S.Egidio Airport 37 Km
  • Florence Airport 140 Km
  • Ancona Falconara Airport 148 Km
  • Dual carriageway 2.5 Km

Umbria - Italy

Neighboring regions: Toscany, Lazio, Marche

Main centers: Perugia, Assisi, Spoleto, Todi, Orvieto, Gubbio, Spello


Characteristics: is the sister of Tuscany region, green and hilly territory with olive groves and vineyards, rich in art cities and quaint towns.

Placed in Central Italy between Rome and Florence, Umbria is a region rich in history and culture, from the hilly landscape with olive groves and vineyards, and dotted with historic villages and artistic cities such as Perugia (important international University Centre), Spoleto, Orvieto, Todi, Assisi, Spello and others.

15 minutes from Perugia is located Lake Trasimeno, the largest Italian lake after that of Como.

The climate is mild with temperatures in winter rarely fall below zero degrees and summer temperatures around 25 degrees.

The region is the scene of major cultural events throughout the year (such as the Festival dei Due Mondi in Spoleto and Umbria Jazz) and many other folk events which, especially in summer, enliven small and large centers of the entire territory.


Property offer: Umbria, with its Green and hilly territory is particularly required for purchasing original characteristic stone farmhouses, very similar to those of Tuscany, in the countryside around the major cities of art such as Todi, Spoleto, Orvieto, Perugia, Assisi or in the popular area of Valley of Niccone or of Trasimeno.  These are often finely renovated farmhouses with park and pool, which are well suited to use for vacation but also for investment with the ability to put them in the lease through touristicrental. Umbria has a strategic position being located half an hour from Rome and two hours from Florence. The region, rich in history, offers you the chance to buy real estate like castles, vintage villas, villages and monasteries. Very popular are also the apartments within historical centers or small rural managed complexes, rich in original farmhouses of stone structure, particularly are requested those places in the countryside around the town of Todi, Spoleto, Assisi, Perugia and Orvieto, but also in the areas and Niccone Valley and Lake Trasimeno. Frequently also the historic buildings, ancient villas, castles and apartments in historic towns such as Perugia, Orvieto, Spoleto, Assisi, Spello, Trevi, or in small villages renovated and preserved.



*The location of the property on the map is approximate