22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. - Hero Image
22012
Cernobbio
Cernobbio | Lombardy

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Comolake Immobiliare
Comolake Immobiliare
Presented At
€2,600,000
Bedrooms
2
Bathrooms
2
Living
2,089
SQM
Stories 1
22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. - Photo 1
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22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. , Cernobbio , Lombardy

Apartment with garden on the lake and boat place near Cernobbio

The apartment with garden on the lake and boat place near Cernobbio enjoys a very exclusive location and is part of “Villa ai Cedri”, a well-known historic mansion of the late nineteenth century overlooking the lake with a wonderful exposure. The villa is located a few minutes from Cernobbio and is set in a frame of ancient trees that were once part of the park. The apartment with garden on the lake and boat place near Cernobbio has been renovated with great care by the owners, paying particular attention to the facilities and finishes to make the house comfortable and functional in respect of the original architecture. The apartment with garden on the lake has comfortable spaces and generous size was divided with a large living area and kitchen disengaged with direct access to the private garden, two bedrooms and two bathrooms, one of which is very special enhanced by a natural rock wall in which a very large shower has been built. The very romantic historic villa is well inhabited and divided into a few units that make it very exclusive. The house is ideal as a residential residence and also to enjoy in the summer season access to the lake and the wonderful private garden for use well maintained by the owners. The choice of finishes has a sober and elegant taste that enhances the structure of the property. Natural colours on the walls, marble floors and many custom-made furniture that almost disappear from view, run along the walls creating large functional spaces. The square adjacent to the villa is paved with typical river stones in which you can park three cars and access is convenient with the wrought iron gate with automatic opening. The apartment with garden on the lake and boat place near Cernobbio also has a small warehouse used as a comfortable property for storing bikes and bikes very close to the house with the possibility of expansion to create a small dependence overlooking the lake. Cernobbio is the ideal place to spend relaxing holidays among beautiful landscapes and cultural and the starting point to explore Lake Como. It enjoys an exclusive and strategic location to reach the airports, the nearby Milan and Lugano in less than one hour. An important international tourist resort thanks to the numerous and renowned luxury hotels in the area. The surrounding hills offer pleasant walks. Destination for trekking enthusiasts for nature excursions with pleasant panoramic trails on the lake. Many are commercial services and sports facilities on the area in addition to international schools easily accessible. Enclosed and guarded within the sweet, charming and welcoming province of Como, there is also Carate Urio, a pleasant town with little more than one thousand inhabitants. It enjoys a strategic location, just minutes from Cernobbio and the highway, well connected to cities and airports.

Exterior

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Map showing 22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy.

Property Location

22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy., Cernobbio Lombardy

Local Weather & Climate

Cernobbio, Lombardy

Current Conditions Updated recently
41 °F
Overcast clouds
Feels Like 41°F
Humidity 99%
Wind 2 mph
Visibility 6.2 mi
Sunrise 6:53 AM
Sunset 4:18 PM
5-Day Forecast
Sun 25 Jan
Clouds
High 43°
Low 40°
Mon 26 Jan
Clouds
High 47°
Low 37°
Tue 27 Jan
Clouds
High 45°
Low 37°
Wed 28 Jan
Rain
High 40°
Low 38°
Thu 29 Jan
Clouds
High 44°
Low 34°
Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Cernobbio?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

€
%
€100,000
%
Estimated Monthly Payment $3,160
Monthly Payment Breakdown
Principal & Interest $2,528
Loan Amount $400,000
Total Interest $337,621
Total Cost $737,621
Potential Tax Benefits (Italy)
€0 Est. First Year Interest Deduction
€0 Est. Annual Tax Savings
*Maximum €4,000 interest per year qualifies. Must be primary residence purchased within 12 months of loan.

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Important Information
  • This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
  • Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
  • Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
  • This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
  • Tax benefit calculations are simplified estimates based on general assumptions for Italy. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
  • Tax Year Information: Tax data shown is based on Italy tax year 2025 (fiscal year: January-December). Tax laws change frequently and may have been amended since this data was compiled.

Market Opinion

Our perspective on current market conditions in Cernobbio. For informational purposes only — always consult a licensed real estate professional before making decisions.

Market Analysis
International luxury real estate typically appreciates steadily over time.
65
Buyer Score
Estimated regional appreciation: 3.5% annually
Ultra-luxury properties tend to be more resilient during market downturns

Future Value & Wealth Building

Starting investment: $260,000,000 20% down ($52,000,000)

Investment Perspective
$ $ $
$1 → $1.30
Every dollar invested today could become $1.30 in 10 years
$100 → 130 $1,000 → $1,298
+$18,810
$18,810/day
Your home may appreciate while you sleep
$132,029/week $572,127/mo $6,865,530/yr
$100K Investment Comparison (10 Years)
Real Estate (Leveraged)
$249K
S&P 500 Index
$259K
High-Yield Savings
$155K
Real estate leverage: potential -4% advantage over stocks
RENT 💸 -$143.1M
vs
OWN 📈 +$186.3M
$186.3M Potential Equity
vs $143.1M lost to rent over 10 years
$52.0M Down Payment Growth
3.6x
10yr
$186.3M
7.2x
20yr
$375.9M
10.9x
30yr
$568.3M
Wealth Comparison
×1,353
Equivalent to 1,353 average US homes
top 5%
US household wealth ranking
Median: $193K Yours: $568.3M
Time to Double Your Investment (accounting for market cycles)
60.5
years
Conservative
1.15% effective/yr
17.1
years
Optimistic
4.13% effective/yr
Projected Home Values (adjusted for market cycles)
10 Years
Conservative $291.6M +12%
Market $337.4M +30%
Optimistic $389.6M +50%
$186.3M est. equity
20 Years
Conservative $327.0M +26%
Market $437.9M +68%
Optimistic $583.9M +125%
$375.9M est. equity
30 Years
Conservative $366.7M +41%
Market $568.3M +119%
Optimistic $875.0M +237%
$568.3M est. equity

These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Data from World Bank and regional real estate market research | Estimates based on historical appreciation trends

Frequently Asked Questions

Common questions about this property

This apartment at 22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy features 2 bedrooms with 2,089 square feet of living space.
This property offers 2,089 square feet of living space.
This property is listed at $260,000,000, which equals $124461 per square foot.
Based on current market indicators, Cernobbio shows an active market. The market opportunity score is 65 out of 100, reflecting factors like price trends, inventory levels, and days on market.
This is a apartment located in Cernobbio, Lombardy. The property is situated in an established neighborhood with convenient access to local amenities and services.
Comolake Immobiliare

Comolake Immobiliare

Comolake Immobiliare

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