Trilocale con camino, vista Presolana, box e cantina
Nel cuore di Fino del Monte, in una zona tranquilla, riservata e ottimamente esposta al sole, proponiamo in vendita un accogliente appartamento situato al terzo ed ultimo piano di una palazzina di sole 6 unità abitative, libero su tre lati e con splendidi affacci panoramici. L’abitazione si compone di un luminoso…
What it really costs
Can you move in?
Livable, but something basic is worn out
In the listingHabitableSee what needs doing and what each job costs
Habitable 67sqm 3-room apartment in Fino del Monte, priced at €1343/m2 vs regional median €769/m2 (~75% above baseline). The premium reflects genuine perks: garage, cellar, two balconies, fireplace, top floor, free on three sides, and Presolana mountain views in a small 6-unit building. 1980 build in habitable condition needs only light cosmetic work. The regional median mixes cheap rural stock, so the premium is partly justified by location desirability as a second home. Fair for a move-in-ready mountain apartment but not a bargain relative to baseline.
More on the house and the area
Top-floor apartment in a small 6-unit building in Fino del Monte with genuine panoramic Alpine views toward the Presolana, the strongest selling point. Balcony shots confirm open mountain and valley outlooks with a green natural setting. The chalet-style exterior is pleasant but common for the area. Interiors are clean and habitable but firmly dated: terracotta floors, dark wood trim, marble/stone corner fireplace, and 1980s-era bathroom. No standout design or historic character. Price is modest but not a dramatic bargain. Solid, honest mountain second-home listing with nice views but no scroll-stopping wow.
Decoration, tired fittings, a bathroom or a kitchen. The house is liveable as it stands.
Our read of the photos is €300/m². There is no published price band below €350/m², so the range is that figure widened by the spread of the lightest band.
Materials only, work you may do yourself€7,000 – €11,000
Wiring, water and sanitary work of any kind, heating, air conditioning and gas go to a registered firm by law, and so do flues and the air openings for gas appliances. That labour stays in the bill. Yours is the stripping out, plaster, paint, floors, tiling and carpentry.
Labour is 61% of a renovation price on average and 67% at the median, across 191 items of the Emilia-Romagna 2025 public price list. Materials are the rest. An averaged price list, not a quote.
Materials you buy yourself carry 22% VAT; supplied by the firm doing the work they go at the 10% renovation rate. On a €30,000 materials bill that is €3,600 of extra tax.
Household wiring installed before 13 March 1990 counts as compliant if it has a main breaker with overcurrent protection, protection against direct contact and a 30 mA RCD. Having a firm bring the existing wiring up to that and certify it is the cheapest lawful route.
- sea-view tag is erroneous; this is a mountain location far inland
- Interior is dated (1980s terracotta tiles, dark wood doors, dated bathroom tiling)
- Empty rooms show a plain, unremodeled apartment
Estimate from the listing and its photos, not a survey. Treat it as the starting point for your own quotes. An Italian builder's quote is normally written without VAT and without design fees, so add about a quarter to any figure a firm gives you.
The area around
Location score 78/100The cluster sits in the Presolana massif area of the Bergamasque Alps, with Monte Pora and the Presolana limestone peaks within the local landscape. The Serio valley system is nearby, and the area is part of the mountain belt that leads toward the Orobie Bergamasche Regional Park. Ski lifts at Monte Pora are close by, and the Colere ski area on the north side of the Presolana is also reached by a short mountain drive. Clusone is the nearest larger centre and has a substantial historic core, services, and rail-bus links toward Bergamo. The area is known for alpine walking, winter sports, and mountain second-home villages.