T4 House 103 m² for sale in Loriol-sur-Drôme - €270,000

The displayed price of €270,000 for this 103 m² house corresponds to a price per m² of €2,618/m².

Comparison with the local market

• Median price per m² in Loriol-sur-Drôme: €2,500/m² (source: DVF DGFiP, 2023).
• Difference: +4.72% compared to the market median.

Price trend

• Over the last 12 months, prices in the area have increased by 2% (source: Notaires de France, 2023).
• Over 36 months, the trend is upward with an increase of 8% (source: INSEE, 2023).

Property positioning

This house is slightly above the median market price, which can be justified by its features (garden, garage, living space).

For the purchase of this house, here are the estimates:

• Purchase price: €270,000
• Notary fees: Estimated at 7% for older properties, approximately €18,900 (calculation based on the displayed price).
• Total acquisition cost: €270,000 + €18,900 = €288,900.

Loan simulation

• Amount borrowed: 90% of the purchase price (10% down payment) = €243,000.
• Interest rate: 3.4% over 20 years.
• Monthly payments: Approximately €1,400/month (calculation based on a standard amortization table).

Annual holding cost

• Property tax: Estimated at €1,200 (based on sector averages).
• Annual charges: Approximately €1,000 (maintenance, insurance).
• Total annual cost: €1,200 + €1,000 = €2,200.

This house has an energy performance certificate rated C (126 kWh/m²/year) and a greenhouse gas emissions rating C (24 kg CO2/m²/year).

Estimated annual energy cost

• Range: between €1,340 and €1,850 (estimate based on provided values).

Renovation aids

• MaPrimeRénov': Aid of up to €7,000 depending on income and planned work.
• Eco-PTZ: Zero-interest loan to finance energy renovation work.

The house is located in Loriol-sur-Drôme, near Livron-sur-Drôme.

Transport

• Train station: Loriol station 1.5 km away, serving the Valence - Montélimar line.
• Bus: Regular lines to Valence and Montélimar.

Amenities

• Amenities: Supermarket 1 km away, primary and secondary schools nearby.
• Health: General practitioner and pharmacy within 500 m.

Demographics

• Median income: Approximately €22,000 per year (source: INSEE, 2021).
• Composition: Family neighborhood, with a population mainly composed of families and retirees.

Natural risks

• Flooding: Non-floodable area according to Géorisques data.
• Seismicity: Low seismic risk (zone 2).

Regulation

• PLU: Check applicable urban planning rules for potential work.
• Mandatory diagnostics: Energy performance certificate, lead, asbestos to be provided at the time of sale.

Critical questions to ask the seller

• What work is needed and what is the estimated cost?
• What is the situation regarding property tax?
• Are there any easements or specific constraints on the land?