

Remax Lake Experience offers for sale a ground-floor apartment in a three-story detached house. The building is located in a historic residential area on the Rhaetian side of the lower Valtellina, in the sunny "Costiera dei Cech" area in the hamlet of Santa Croce, in the municipality of Civo. The unit measures 52 square meters and comprises two rooms: an eat-in kitchen, a living room/bedroom, and a bathroom. Its location, ground-floor position, habitable condition, southern exposure, terrace, and garden with a wonderful panoramic view of the Valtellina, with the nearby town of Morbegno just 10 minutes away, make it a desirable choice, both as a second home and as an investment for holiday rentals. It can be sold separately or together with the apartment located on the second and third floors of the same building.
This charming apartment in Civo presents an exceptional opportunity for those seeking comfort and practicality at an attractive price point of €44,000. Spanning 52 square meters, the property features two well-appointed rooms that maximize space and functionality, making it ideal for both individuals and small families. One of the standout strengths of this property is its condition; it is presented in good condition, allowing for immediate occupancy without the need for extensive renovations. Natural light floods the apartment, creating a warm and inviting atmosphere throughout the day. The inclusion of a terrace and garden enhances the living experience, providing a perfect outdoor space for relaxation, gardening, or entertaining. Located in Civo, the property enjoys a strategic position that balances tranquility with accessibility. The area is well-served by essential services, ensuring that daily needs are met with ease. Residents can benefit from nearby public transport options, facilitating convenient connections to surrounding regions and enhancing mobility. Additionally, the presence of green areas promotes an active lifestyle, offering opportunities for outdoor pursuits and leisure activities. Civo is known for its welcoming community and proximity to educational institutions, making it an excellent choice for families seeking a nurturing environment for their children. The lifestyle offered by this property is characterized by a harmonious blend of rural charm and urban convenience, allowing residents to enjoy the best of both worlds. In summary, this apartment is not only a sound investment but also a gateway to a fulfilling lifestyle in a picturesque setting. Its strengths, combined with the advantageous location and vibrant community, make it a compelling choice for anyone looking to settle in Civo.
No points of interest loaded for this category
Civo (Sondrio)
Energy class not available
Term (in years)
Down payment
€8,800
Mortgage amount
€35,200
Monthly payment (estimate*)
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Representative example: The figures shown for instalments, interest, principal and duration are estimated by 24MAX as of today on the basis of the reference rates (EURIBOR, ECB, EUROIRS), are to be considered merely indicative and do not constitute an offer from the Notarising Institution. The granting of the mortgage and the proposed terms are subject to the assessment and approval of the disbursing bank based on the client's financial profile. The APR calculation is performed independently by 24MAX according to the criteria set out in the provision on the transparency of banking and financial transactions and services of Banca d'Italia dated 29 July 2009 and subsequent amendments. Under current regulations, the client will receive the documentation on 'Home Loan Information' and the “European Standardised Information Sheet (ESIS)” before signing the contract to review the definitive clauses and conditions of the mortgage; they may also consult the Trasparenza page for information sheets and other banking transparency documents. To identify the financial solution best suited to your needs, please contact one of our consultants.