France villa Move-in ready

Correze. St Augustin. Stone House with 4 Bedrooms, Garage and Rear Garden.

France

€127,500

Correze. St Augustin. Stone House with 4 Bedrooms, Garage and Rear Garden.

Key facts

Bedrooms
4
Bathrooms
1
Interior
104 m²
Land
183 m²
Type
villa

Features

  • Garden
  • Move-in ready

About this property

Key Info Advert Reference: CC-5216 Type: Residential (Village House, House), Maison Ancienne Bedrooms: 4 Bath/ Shower Rooms: 1 Habitable Size: 104 m² Land Size: 183 m² Features Garage(s) Garden(s) Stone Property Description Placed beautifully in the centre of the pretty village of St Augustin is this 4 bedroom stone house with large garage, covered veranda and a rear garden. Approaching the property opposite the village church and just a few steps from the boulangerie and a fabulous bistrot, you are immediately taken by the well maintained facade. Entering the house you arrive into an open-plan living space measuring a generous 37m2. Here you will find a stone cantou-style fireplace, very typical of the area, housing an efficient wood-burner. The fireplace is situated beside the kitchen area which offers an integrated oven and an induction hob, plus plenty of cupboard space. Taking yourself further into the living space, you will find there is a generous living space with a dining area. A ground floor wc is neatly placed behind a door under the stairs. Through the rear door of the living room you arrive into a super conservatory (14.2m2) with doors opening to the rear garden. Sliding windows enable you to bring the outdoors inside on summer days, but making this a useable space in the winter too. The garage is accessed from the front of the house and there are sliding doors at the rear that open into the conservatory, perfect for accessing the garage without going outside. At the end of the conservatory there is also a spacious storage room. Wooden stairs lead you to the first floor where you will arrive into a central hall. At the front of the house there are 3 bedrooms (12.9, 11.3 and 12m2). At the rear of the house, another smaller bedroom of 8m2, a bathroom of 6.1m2 and at the end of the hall a separate wc. Throughout this property you will find beautiful parquet wooden floors in fabulous condition and you certainly feel that this property has been cared for v

How to buy this property

Typical process in France — 3–4 months from accepted offer to keys. Tell us where you're buying from:

What's different for you

  • You can usually reuse your French bank for the mortgage — expect up to 100% loan-to-value for a main home if your income allows (HCSF debt cap: 35% of income).
  • If this will be your main home, it is exempt from capital gains tax when you sell.

What's different for you

  • No ownership restrictions and no visa needed to live here — you can move in whenever you like.
  • French banks lend to EU non-residents, but usually only up to 70–80% of the price and they want French or EU income evidence.
  • When you sell, capital gains are taxed at 19% plus a 7.5% solidarity levy (26.5%), not the full 17.2% social charges.
  • Sign by power of attorney (procuration) if you can’t attend completion in person.

What's different for you

  • Anyone can buy in France — there are no nationality restrictions on ownership.
  • Owning property does not give you residency: without a long-stay visa you are limited to 90 days in any 180 (this applies to UK buyers since Brexit).
  • Mortgages are harder: typically 50–70% loan-to-value, and many banks decline US citizens because of FATCA reporting.
  • Opening a French bank account remotely can take weeks — start early, the notaire will want funds from an identifiable account.
  • When you sell, gains are taxed at 19% + 17.2% social charges (36.2%), and sales above €150,000 need an accredited tax representative.

Next steps

  1. 1

    Viewing and written offer (offre d’achat)

    1–2 weeks

    Make a written offer through the agent. Once the seller accepts in writing the price is agreed, but nothing is binding on you until the compromis.

  2. 2

    Compromis de vente

    2–4 weeks after the offer

    The preliminary contract, drawn up by a notaire or the agent. It includes the mandatory diagnostic reports (DDT) and any conditions such as getting a mortgage. You pay a 5–10% deposit into escrow.

    For you: You can sign electronically or by power of attorney — you don’t need to fly over for this step.

  3. 3

    10-day cooling-off period

    10 days

    Private buyers of homes can withdraw for any reason within 10 days of receiving the signed compromis, and get the deposit back in full.

  4. 4

    Mortgage and notaire searches

    6–10 weeks

    You have about 45–60 days to get a mortgage offer (if the compromis includes a loan condition). Meanwhile the notaire checks title and planning, and whether the town or SAFER (for rural land) wants to use its pre-emption right.

    For you: Non-resident mortgages often take the full 60 days, so ask for a longer loan condition in the compromis.

  5. 5

    Acte de vente and keys

    1 day

    You sign the final deed at the notaire’s office (or by power of attorney), transfer the balance plus fees beforehand, and get the keys the same day.

Buying costs on €127,500

Notaire fees and transfer tax (“frais de notaire”)

7–8.5% for older homes (2–3% for new builds)

Mostly transfer duties: about 5.8–6.3% depending on the département. The notaire’s own fee is under 1%.

 €8,925–€10,838

Estate agent fee

Usually already in the asking price

“FAI” (frais d’agence inclus) means the advertised price includes the agent’s 4–8%. If it says “net vendeur”, add it on top.

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Independent survey (optional)

€500–€1,500

A structural survey isn’t standard in France, but it’s worth it for older stone houses.

 €500–€1,500

Mortgage costs (if borrowing)

~1–2% of the loan

Arrangement fee, loan guarantee or charge on the property, and broker fee.

 €0–€2,550
Estimated total on top of the price €9,425–€14,888

Pitfalls to watch

  • Septic tanks (fosse septique): a non-compliant SPANC report means you have to upgrade within 1 year, often €8,000–€15,000.
  • Unpermitted extensions, pools or barn conversions: check the plans and permits against what you see. The notaire only checks what’s on paper.
  • Energy rating (DPE) F or G: G-rated homes can no longer be let on new leases, and F-rated homes follow from 2028. That matters if you plan to rent it out.
  • Second homes pay taxe d’habitation, and some towns with housing pressure add up to 60% on top. Ask the seller for the latest bill.
  • French inheritance rules reserve part of the estate for children. Non-French buyers can choose their own nationality’s law in a will (EU Succession Regulation), so take advice before you sign.
  • Short-term letting now needs registration with the town hall, and many towns cap or ban it. Check before you rely on Airbnb income.

General guidance, last reviewed October 2026 — not legal or tax advice. Rules change and every purchase is different, so confirm with an independent local lawyer or notary before you sign anything.

Buying property in France

Read our complete guide — fees, visas, taxes, and everything overseas buyers should know before making an offer in France.

Read the France buying guide