France farmhouse Move-in ready

Cotes D'armor Charming 2 Bed Cottage on the Edge of Nature, with Gardens and Garage

France

€118,000

Cotes D'armor Charming 2 Bed Cottage on the Edge of Nature, with Gardens and Garage

Key facts

Bedrooms
2
Interior
84 m²
Land
1,731 m²
Type
farmhouse

Features

  • Garden
  • Move-in ready

About this property

Key Info Advert Reference: KM-5243 Type: Residential (Cottage, Farmhouse / Fermette, House), Maison Ancienne Bedrooms: 2 Habitable Size: 84 m² Land Size: 1,731 m² Features Garage(s) Garden(s) Off-Street Parking Property Description COTES D’ARMOR Le Mene Nature lovers, stop right here! 360° tour available and Facebook video! If you're looking for a charming low-maintenance home with outside space, and you love nature and walks, and to stay in a peaceful environment, this will likely steal your heart! The elevated position offers beautiful views from one of the pieces of land included and a short walk to a beautiful site of rivers and forest. Perfect for hikers, picnickers and dog-walkers. Suitable as a permanent home, holiday-home or rental opportunity this sought-after location rarely comes available so an early visit is recommended! The 85m2 house offers a kitchen diner, living room, small laundry area and a toilet downstairs. On the first floor is a landing leading to two bedrooms, both with beautiful natural light, and a study 5m2 and a bathroom with a toilet. The ensemble is 'atypical' and has a beautiful garden with a cabin and vegetable garden with thoughtfully planted trees and shrubs with biodiversity and nature in mind. Sit and enjoy the birds and butterflies in this very special and peaceful spot Another small piece of land opposite is perfect for parking a car and the garage/workshop and another section of garden is situated behind the house with views across the forest. This well presented two bedroom cottage is ready to move into with an energy rating D, due to the well insulated roof and the electric heating. Whilst the house is immersed in nature in a charming and friendly hamlet the amenities are found close by, reached by a short drive. Close to the village of Plessala for bakery, supermarket, garden center, bar and Dr (easily accessible by bicycle 4km) and just 15 minutes from Plemet for supermarkets and services, and 20 minutes from the large

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 €118,000

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%.

 €8,260–€10,030

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–€2,360
Estimated total on top of the price €8,760–€13,890

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