Односімейний будинок продаж Carcassonne, Chem de Sainte-Marie

OCCUPIED VIAGER (FRENCH LIFE-ANNUITY SALE) — SINGLE LUMP SUM, NO MONTHLY ANNUITY Rare opportunity for an informed investor: a single-storey architect-designed house set on 2,644 m² (0.65 acre) of mature grounds in Carcassonne, southern France — sold under the French "viager occupé" scheme with payment as ONE SINGLE LUMP SUM of €197,000, with NO annuity or monthly payment whatsoever thereafter. HOW THE FRENCH VIAGER WORKS A long-established French mechanism: the buyer acquires full legal ownership immediately at a significant discount, while the seller retains the right to live there for life. When the property becomes vacant, the buyer holds a property worth considerably more than the price paid. Handled by a French notary, with full legal security. THE LIFE TENANT Male, 80 years old, currently occupying the property and retaining a right of use and occupancy for life. THE HOUSE — 133 m² all on one level Architect-designed villa built in 1982, exceptionally well maintained: - Bright double living room with WORKING FIREPLACE, opening onto a 16 m² covered terrace (retractable awning) - 21 m² conservatory - Separate kitchen - 3 bedrooms - Very large bathroom (bath, double vanity, shower, WC) plus a second separate WC - Large utility room and large walk-in wardrobe - Garage and garden shed CONDITION AND EQUIPMENT - Recently re-rendered façade (brick), excellent condition - Roof, timber frame and loft in very good condition — loft insulated with blown mineral wool - Reversible air conditioning (heat pump) replaced in 2026 - High-end radiant heating panels - Working fireplace - Recent electric water heater (2016) - Energy Performance Certificate: class C — good energy performance THE GROUNDS — 2,644 m² Located on a quiet cul-de-sac in a peaceful residential district, extensively planted with palms, cypresses and shrub beds: - Well, borehole and rainwater harvesting tanks — near self-sufficiency for irrigation - Ornamental pond with turtle and fish - Substantial land reserve: the original estate planning rules lapsed more than ten years ago (subject to verification of the current local planning scheme), potentially allowing plot division LOCATION — CARCASSONNE, SOUTHERN FRANCE Chemin de Sainte-Marie, 11000 Carcassonne — about 1.7-2 km from the Porte Narbonnaise, main entrance to the UNESCO-listed medieval Cité. Shops, schools and transport nearby. International airport, one hour from the Mediterranean, 90 minutes from Toulouse. FINANCIAL TERMS - Lump sum (bouquet): €197,000 — paid once, in full - Monthly annuity: €0 - No service charges (detached house, no co-ownership) - Property tax: €3,260/year - BANK FINANCING AVAILABLE: a first-ranking mortgage can be registered, with no competing vendor's lien (unlike annuity-based viagers). The single lump-sum structure considerably simplifies financing for the buyer. WHY THIS IS ATTRACTIVE FOR AN INVESTOR - Acquisition discount of 34% to 44% against the estimated vacant value on release (€300,000 to €350,000) - No rental management during the viager period — the occupant lives in and maintains the property at their own expense - Long-term investment, an alternative to conventional financial products HOW THE CAPITAL GAIN IS GENERATED The viager rests on a discount: while the property remains occupied, the buyer pays less than its true value (here €197,000, against an estimated vacant value of €300,000 to €350,000). - IF THE BUYER HOLDS UNTIL RELEASE: they become full owner of a vacant property with nothing further to pay. The gap between the €197,000 paid and the vacant value at that point is the gain. - IF THE BUYER RESELLS EARLIER: the position can be assigned to a new buyer at a higher price. Under the Daubry scale (the French viager actuarial benchmark), the occupancy discount narrows each year as the life tenant ages — the achievable resale price therefore rises mechanically over time, independently of the local market. Resale possible at any point; the buyer is not locked in. SHORT-LET POTENTIAL ONCE VACANT Unlike many major French cities (Paris, Lyon, Bordeaux, Nice), Carcassonne requires no change-of-use authorisation with compensation for furnished tourist lettings — a simple town hall declaration suffices. With its large grounds and proximity to one of France's most visited heritage sites, genuine short-let potential once vacant. SALE BY OWNER — NO AGENCY COMMISSION Direct private sale. At an equivalent price, the buyer saves approximately €20,000 compared with acquiring through a specialist viager network. Full technical survey pack available on request. Sale handled by a French notary, with full legal security for international buyers. Purchase by power of attorney or remote signature is possible — no need to travel to France. Price quoted in euros: €197,000. USD figure shown is indicative and subject to exchange rate. Contact: +33 6 35 14 24 27