house for sale Saint-Jean-de-Laur, Lot

8 rooms – 5 bedrooms – 2 bathrooms – approx. 166 m² of living space. Located in a privileged setting, close to all amenities, this beautiful stone property, built in 2011, is 14 km from Cajarc and the Lot Valley, and 22 km from Villefranche-de-Rouergue. It benefits from an exceptional natural setting, along the GR/Way of St. James, with access to the village just 500 m away via two separate paths. The exterior: The property extends over two plots: A first plot of 2,930 m², enclosed by a dry stone wall, in the center of which is the house. A second wooded plot of 1,250 m², not adjoining, located approximately 50 m away, also delimited by a dry stone wall. You will enjoy a very large garden, a small stone outbuilding, a vegetable garden, a carport, and a stone garage. Access to the house is via a driveway paved with sprayed concrete. The house: With a total surface area of approximately 220 m², the house is built on an insulated crawl space and benefits from excellent insulation (including the floors). Ground floor: Large, bright living/dining room, separate kitchen, pantry, bathroom with shower, separate WC, 3 large bedrooms, very large covered terrace. First floor: Large, bright playroom or workshop, 2 large bedrooms, shower room with WC. Comfort features: 9 kW solar panels (production + resale), heat pump, air conditioning, thermodynamic water heater, existing chimney (fireplace or wood stove possible), fiber optic connection, recent roof. No work required: the house is perfectly maintained all that remains is to personalize it to your taste. The solar panels offer an excellent coefficient of performance, with documented annual profitability (file available). No electricity bills. Conditions of sale with life annuity (occupied) Market value of the property: €340,000 Type of life annuity: occupied life annuity Sellers: Mrs. 78 years old – Mr. 76 years old Life annuity for two people (annuity paid until the last survivor) Financial terms Down payment: €160,000 Annual life annuity: €15,216 i.e. €1,268 / month Agency fees: €17,000 (5% of the property value) payable by the buyer Price: €357,000 Agency fees: 5% including VAT payable by the buyer Price excluding agency fees: €340,000. Notary fees not included.