France farmhouse Move-in ready

Impressive stone house with large garden, swimming pool and countryside views

France

€231,000

Impressive stone house with large garden, swimming pool and countryside views

Key facts

Bedrooms
4
Bathrooms
2
Interior
130 m²
Land
4,500 m²
Type
farmhouse

Features

  • Pool
  • Garden
  • Move-in ready

About this property

Key Info Advert Reference: 262 Type: Residential (Country House, Farmhouse / Fermette, Maison de Maître, Charentaise House, House), Maison Ancienne , Detached Bedrooms: 4 Bath/ Shower Rooms: 2 Habitable Size: 130 m² Land Size: 4,500 m² Highlights Stone Heated pool Large barn Large garden Views Features Balcony(s) Car Port(s) Cellar(s) / Wine Cellar(s) Character / Period Features Covered Terrace(s) Driveway Electric Heating Garage(s) Garden(s) Land Off-Street Parking Outbuilding(s) Outdoor Kitchen / BBQ Renovated / Restored Renovation / Development Potential Rental / Gîte Potential Stone Swimming Pool Tennis Court Terrace(s) / Patio(s) Workshop Property Description Summary Beautiful stone country house with large garden, heated swimming pool and large barn. This character house is situated in a small hamlet near Salles Lavalette, the countryside views from the house and the garden are amazing. There are many patios and terraces so you can enjoy the shade or the sunshine. There are two ground floor bedrooms and bathroom, WC. The stairs lead to the lounge dining room; there is a wonderful terrace with views over the garden and the pool. The fitted kitchen has a terrace and steps down to the courtyard front and the barn and car port. There are two further bedrooms and family shower room, WC. This quirky house is bright and spacious, the garden is 4500m2, the barn is 97m2. This impressive character stone house has an attractive price; you do get a lot for your money here! It is definitely worth visiting. Please email for more details, photos and the videos. The Information on the risks to which this property is exposed is available on the Géorisques website: Estimated annual energy costs for the property between €3599 and €4869 per year Average energy prices indexed as of January 1, 2021 (including subscriptions) DPE F410 GES C14 Price including agency fees : 231 000€ Price excluding agency fees :220 000 € Buyer commission, tax included: 5%

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 €231,000

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%.

 €16,170–€19,635

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–€4,620
Estimated total on top of the price €16,670–€25,755

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