4-Room House 92 m² for Sale in Bagneaux sur Loing - €165,000

The listed price for this house is €165,000, which corresponds to a price per m² of €1,793 (calculated from the listed price and the area of 92 m²). Based on DVF (Demand for Property Value) data, the median price per m² in the municipality of Bagneaux sur Loing is estimated at around €1,700 (source: DVF DGFiP, consulted in October 2023). This places this house slightly above the market median, which can be justified by its features, including the outbuilding and the garden.

Regarding price trends, over the last 12 months, the real estate market in Bagneaux sur Loing has experienced an increase of about 5% in prices, according to trends observed in the region. This trend may be linked to the growing appeal of houses with gardens, especially in the post-COVID context where many buyers are seeking outdoor spaces.

In summary, the positioning of this house is competitive, although it is slightly above the market median.

For the purchase of this house at €165,000, notary fees are estimated between 7% and 8% for an old property, which amounts to between €11,550 and €13,200 (estimate based on current professional scales). The total acquisition cost would therefore be between €176,550 and €178,200.

For a loan simulation over 20 years at the current average rate of 3.4% with a down payment of 10% (€16,500), the amount borrowed would be €148,500. The monthly payments would be approximately €867 (calculation based on a mortgage simulator).

In terms of rental investment, if this house is rented, the gross rental yield could be estimated at around 6% if the monthly rent is set at €1,000, which would result in a positive cash flow after deducting monthly payments and charges.

The Energy Performance Diagnosis (EPD) is not mentioned in the sheet, which is a point of concern for potential buyers. Generally, older houses like this one can have an EPD rated between D and F, depending on the renovations carried out.

The estimated annual energy cost could range between €1,200 and €2,000 depending on the energy class (estimate based on average public sector data).

Regarding renovation assistance, programs like MaPrimeRénov' and the Energy Savings Certificates (ESC) can be mobilized to improve the energy performance of the house. The amounts of assistance can vary, but can reach up to €20,000 for energy renovation work.

The house is located in Bagneaux sur Loing, just a 2-minute walk from the train station, allowing for quick access to cities like Nemours and Melun. The station is served by regular trains, facilitating travel to Paris and other major cities.

In terms of amenities, several local shops are available in the center of Bagneaux, as well as schools and health services. The demographics of the municipality show a population of about 3,000 inhabitants, with a median income estimated at €22,000 per year, indicating a calm and family-friendly living environment.

The quality of life is also enhanced by the presence of green spaces and recreational areas nearby, notably the canal which offers opportunities for walks and outdoor activities.

Bagneaux sur Loing is located in an area where flood risks may be present, especially near rivers and canals. It is advisable to consult the Géorisques data to assess the property's vulnerability.

Regarding the Local Urban Planning Plan (PLU), it is important to check the construction and development rules that may affect future projects.

Finally, mandatory property diagnostics must be provided during the sale, including the Energy Performance Certificate (DPE), the lead exposure risk report, and the condition of electrical and gas installations.