5-bed house in Saint-Malo
5-bed house in Saint-Malo — image 25-bed house in Saint-Malo — image 35-bed house in Saint-Malo — image 45-bed house in Saint-Malo — image 5
Grade A+villa

5-bed house in Saint-Malo

Saint-Malo · département 35 · Brittany

€476,900

Asking Price (EUR)

Indicative figures

Brittany: priced on its own curve (August 1.83, the most summer-peaked of the seven); AirROI's trailing twelve months were not measured against it.

6.5%

Net Yield (managed, after tax, all-in)

8.9%

Self-managed (after tax, all-in)

18.5%

Gross Yield (on all-in cost)

49%

Occupancy (modelled, annual)

Net yield is what a fully-managed non-resident owner keeps after French income tax at the non-resident minimum rates and social charges — here under the LMNP régime réel, on the net letting profit after depreciation of the building (75% of the price over 30 years) and the furniture (over 7 years), €14,780 a year, which cannot create a loss — divided by the all-in acquisition cost. It assumes the owner keeps LMNP réel accounts, and since loi n° 2025-127 art. 84 the depreciation deducted is added back to the taxable capital gain on resale, so it defers tax rather than removing it. Financing is not modelled. Confirm the regime with a French expert-comptable.

Projected Gross Revenue: €98,332/yr
Nightly Rate: €553implied by the gross revenue and the occupancy
Income tax (non-resident, régime réel on the net letting profit): €13,099/yr
Payback (managed, after tax): 15.3 years
Brixfox Score: 97 / 100
Comparable Airbnbs: 15
Data Confidence: 78%
Season curve: Brittany

True Investment Cost

Price + the droits de mutation, the notary’s regulated fees and disbursements, any agency fee charged on top, and furnishing.

€532,805

+11.7% over asking

Asking price€476,900
Droits de mutation — département (5.00%, département 35)€22,995
Droits de mutation — commune (1.2%)€5,519
State collection fee (frais d'assiette)€544.98
Notary emoluments (regulated scale, incl. 20% VAT)€4,886
Contribution de sécurité immobilière€459.9
Notary disbursements & formalities€1,500
Furnishing & short-let launch€20,000
All-in investment€532,805

The advertised price includes an agency fee of €17,000, so the droits de mutation are charged on the seller’s net price. Budget extra for diagnostics, a survey and a power of attorney if you will not sign in person.

Annual Operating Costs (fully managed)

The stored cost lines behind the net yield above.

Gross rental revenue€98,332
Conciergerie / rental management (incl. 20% VAT)−€23,954
Booking channel fees−€3,933
Cleaning & consumables (net of guest fee)−€4,917
Utilities (electricity, water, internet)−€4,500
Insurance (non-occupant owner, short let)−€900
Maintenance reserve−€3,577
Taxe foncière−€2,078
TEOM (waste collection tax)−€539.92
Taxe d'habitation on a second home−€3,264
CFE (business property contribution)−€2,250
LMNP accounting & non-resident return−€600
Income tax (non-resident, régime réel on the net letting profit)−€13,099
Bedrooms: 5
Bathrooms: 2
Living area: 126.5 m²
Land: 1383 m²
Year Built: 2001
DPE (energy class): C
countryside

No registration stated

The listing states no registration number. That does not mean the property cannot be let: the rules are per commune.

The commune’s own rules: Saint-Malo: quotas by sector (intra-muros 12.5%, seafront 7.5%, 3%, 1% elsewhere); one personal 3-year authorisation per natural person.

Ask the mairie whether this commune requires a change-of-use authorisation and a registration number for a furnished tourist let, and whether either can be obtained for this property by a new owner. A number printed by the listing belongs to the current owner's declaration and does not transfer with the sale.

Energy rating (DPE): class C

The listing states energy class C. From 1 January 2034 every meublé de tourisme must be rated A to D (law 2024-1039 of 19 November 2024).

Description

iad France - Caroline Delamaire vous propose: -VIDEO 360 disponible sur demande - Saint-Malo, proche Paramé en direction de St Méloir, venez découvrir cette maison familiale de 126,50m² avec un vaste terrain exposé plein sud. Construite en 2001, au fond d'une impasse, la configuration de cette maison est idéale pour une famille nombreuse recherchant 5 chambres tout en bénéficiant d'une vie de plain pied. Elle comprend au rez-de-chaussée: une entrée avec placard, une cuisine dinatoire, une arrière cuisine, un salon avec poêle à pellet ouvrant sur une véranda, une chambre, un bureau, une salle d'eau et un WC séparé. A l'étage, un palier dessert trois chambres de 14,19 - 11,65 et 9,69m² au sol, une salle de bains, un WC séparé avec coin rangement. Le tout sur un terrain de 1300m² comprenant sur le devant de la maison une allée bordée de pelouse menant à un carport pouvant accueillir deux voitures, une terrasse, un abri de jardin et sur l'arrière un atelier avec un préau. La maison est située à mi-chemin entre la ville et la campagne (vue sur les champs avec les commerces de Paramé situés à moins d'1,5km). Ne manquez pas l'occasion de visiter cette maison bien entretenue. Contactez moi dès maintenant pour organiser une visite. Honoraires d'agence à la charge de l'acquéreur. Prix honoraires inclus : 476900 euros. Prix hors honoraires : 459900 euros. Honoraires TTC à la charge de l'acquéreur (3,70% du prix du bien hors honoraires) : 17000 euros. La présentation d'une pièce d'identité en cours de validité sera demandée à la visite, conformément à l'article L.561-5 du Code monétaire et financier. Les informations sur les risques auxquels ce bien est exposé, y compris l'obligation légale de débroussaillement, sont disponibles sur le site Géorisques : http://www.georisques.gouv.fr. La présente annonce immobilière a été rédigée sous la responsabilité éditoriale de Mme Caroline Delamaire mandataire indépendant en immobilier (sans détention de fonds), agent commercial de la SAS I@D France immatriculé au RSAC de SAINT-MALO sous le numéro 899239479, titulaire de la carte de démarchage immobilier pour le compte de la société I@D France SAS.

Location

Approximate location — not the exact house

Saint-Malo, Brittany, France

Listed by IAD France / Caroline Delamaire

Price
€476,900
Inquire
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IAD France / Caroline Delamaire
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5-bed house in Saint-Malo

Saint-Malo · Brittany · Ref BF-423433Source · IAD France / Caroline Delamaire · listed 7 Nov 2026
Asking price
€476,900
Net yield
6.5%
Fully managed · Non-resident tax
Bedrooms
5
Bathrooms
2
Built area
126.5 m²
Land
1383 m²
Condition
Good, lived-in
(stated by the listing)
Brixfox Score 97 · A+Financial analysis ↓

No registration stated

The listing states no registration number. That does not mean the property cannot be let: the rules are per commune.

The commune’s own rules: Saint-Malo: quotas by sector (intra-muros 12.5%, seafront 7.5%, 3%, 1% elsewhere); one personal 3-year authorisation per natural person.

Ask the mairie whether this commune requires a change-of-use authorisation and a registration number for a furnished tourist let, and whether either can be obtained for this property by a new owner. A number printed by the listing belongs to the current owner's declaration and does not transfer with the sale.

Energy rating (DPE): class C

The listing states energy class C. From 1 January 2034 every meublé de tourisme must be rated A to D (law 2024-1039 of 19 November 2024).

Financials

What it earns, what it costs to own, and the net yield

Financial analysis
· Brixfox Standard · Non-resident · Fully managed
Fully managed is the Brixfox Standard shown on every card: a full-service manager's commission, charged on top of the Airbnb/Booking channel fees (not the cleaning cost — changeovers are funded by guest cleaning fees; you bear the residual). Self-managed drops the commission; the channel fees stay, because the platform is paid whoever manages, and you pay staff/local operations, a higher cleaning residual and your own time directly. Both scenarios divide the SAME gross revenue — the toggle changes the cost stack, not the revenue. That revenue is observed from actively-operated comps, so self-managed assumes you match their performance.Both scenarios share the same projected revenue — the toggle changes who runs the property and what that costs, not what it earns.
Net yieldNet operating income ÷ all-in investment. After local operating taxes; before home-country personal tax and financing costs. Modelled from observed market performance of comparable Airbnb listings.
6.5%
€34,720 net operating income /yr
Gross yield · all-in basis
18.5%
−12.0 pts in operating costs & local taxes
Before tax in your home country and financing costs. Estimates, not financial advice.
Modelled from Airbnb listings we track across Saint-Malo — live calendar data.

No Airbnb match on file

We have not confirmed this exact property on Airbnb, so it carries no operating history here. The figures above rest on the comparable set — a launch scenario, not a track record.

Revenue assumptions

Derived from the comparable Airbnb listings below. The headline ADR is the expected BOOKED rate — nearby asking prices corrected by our measured, market-calibrated asking-to-booked factor. Occupancy is calibrated against tracked reference homes nearby. Comp cards below show raw asking prices.
Expected ADR
€553
Expected booked rate (market-calibrated)
Expected occupancy
49%
Full-year estimate, market-calibrated
Projected annual revenue
€98,332
ADR × occupancy × 365
Comp data observed in USD · converted at €0.88/$
Seasonal occupancy pattern
Peak Aug +83% · Low Jan -37%
J
F
M
A
M
J
J
A
S
O
N
D
Modelled monthly index (relative to the annual average) — replaced by measured per-market indices as calendar history matures.
Brittany: priced on its own curve (August 1.83, the most summer-peaked of the seven); AirROI's trailing twelve months were not measured against it.

Investment basis

The true all-in acquisition cost — asking price plus purchase costs, renovation and furnishing. Every yield on this page is computed against this total, not the asking price.
Adjust the figures to your deal — yields recalculate live.
Purchase price· asking
€
Acquisition costs· 7.5% of price, auto-calculated
€35,905
Droits de mutation (département)€22,995
Droits de mutation (commune)€5,519
State collection fee (frais d'assiette)€545
Notary emoluments (regulated scale, incl. VAT)€4,886
Contribution de sécurité immobilière€460
Notary disbursements & formalities€1,500
Renovation budget· no measured France basis — enter your own quote
€
Furniture & STR launch
€
All-in investment
€532,805
+11.7% over asking
Fully managed scenarioSwitch the scenario with the toggle at the top of the financial analysis — it drives every figure in this section. Gross revenue is identical in both scenarios (the comps' observed performance); the Villa Scorecard and risk panels elsewhere on the page always quote the fully-managed Brixfox Standard.
Gross annual revenue
€98,332
Conciergerie / rental management (incl. 20% VAT)
−€23,954
Booking channel fees
−€3,933
Cleaning & consumables (net of guest fee)
−€4,917
Utilities (electricity, water, internet)
−€4,500
Insurance (non-occupant owner, short let)
−€900
Maintenance reserve
−€3,577
Taxe foncière
−€2,078
TEOM (waste collection tax)
−€540
Taxe d'habitation on a second home
−€3,264
CFE (business property contribution)
−€2,250
LMNP accounting & non-resident return
−€600
Income tax (non-resident, régime réel)
−€13,099
Net operating income
€34,720/yr
Net yield on all-in investment
6.5%

Income tax is the non-resident minimum rate (20% to €29,579, 30% above) plus social charges, under the LMNP régime réel on the net letting profit after depreciation of the building (75% of the price over 30 years) and the furniture (over 7 years), €14,780 a year here, which cannot create a loss. It assumes the owner keeps LMNP réel accounts, and since loi n° 2025-127 art. 84 the depreciation deducted is added back to the taxable capital gain on resale, so it defers tax rather than removing it. Social charges are 18.6% for an owner insured outside the EEA, Switzerland and the UK and 7.5% inside; the tax line names the rate this listing is priced at. Whether a second home may be let to tourists at all is the commune's decision: many require a change-of-use authorisation (changement d'usage) and a registration number, granted per owner and not transferred with the sale, so ask the mairie before buying. Financing is not modelled.

Rental yield + value growth

Your net rental yield plus a yearly rise in the property's market value (land and building) that you choose. Value growth is an assumption, not data — which is why it starts at 0% and is kept out of the yield figures above.
Property value growth per year · your assumption0%
0%2% · Brixfox model assumption8%
Yield + value growth
6.5%/yr
6.5% net yield + 0% value growth
Value growth figures are illustrative only. The marker is the yearly growth Brixfox's model assumes for this market, not measured local price history; local supply, regulation and currency moves can materially change outcomes. Not financial advice.

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Evidence

Where it sits, and who confirms it

Comp table: Market evidence ↑ in Financials

Location

Approximate area

Saint-Malo · Brittany

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Verdict

Score, and what could go wrong

Same net-yield basis as the financial analysis

Brixfox Score

97A+
LocationNot rated
Saint-Malo, Brittany — rated in the BrixfoxScore location pillar
Rental YieldStrong
6.5% net yield on all-in cost
OccupancyAverage
49% average occupancy
Nightly RateStrong
€553 per night
Visual AppealAverage
4/10 visual appeal
Size & SpaceStrong
1383 m² land area
STR RegistrationAverage
No registration number stated · the commune regulates tourist lets — ask the mairie
Energy rating (DPE)Good
DPE C stated by the listing (not verified)
TenureGood
Full ownership (pleine propriété)
Strong net yield at 6.5% (fully managed, on all-in cost) — outperforms most villas in this market
Premium nightly rate of €553 — positioned in the top tier
Generous 1383 m² land — room for expansion or amenities
Occupancy at 49% — factor in seasonal gaps
Visual appeal is below average — photos may not compete well on Airbnb listings

Strong score for this market. A 6.5% net on all-in cost is above most French listings; check the stored costs and the seasonal pattern before relying on it.

Risk & what-if

ScenarioOccupancyNet income /yrNet yield
-19 pts occupancy30%€19,6163.7%
-9 pts occupancy40%€27,8785.2%
Expected49%€34,7206.5%
+10 pts occupancy59%€41,6367.8%

Brixfox Standard · Non-resident · Fully managed · net yield on all-in cost

TenureFreeholdno lease decay · no amortisation
Payback15.3 yearsfrom net rent at the expected case
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Source · IAD France / Caroline Delamaire

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Modelled from live Airbnb calendar data around this property · operating costs per line, editable in the P&L · estimates, not financial advice.Data sources & methodology ›

French yields are the figures Brixfox stores for each listing, and the Financial analysis P&L above reproduces them line by line. The rent is an estimate from the Airbnb listings Brixfox tracks nearby: their asking rates corrected to a booked rate and their occupancy read from their calendars, annualised on a seasonal curve. It is not this home’s own record, and a projection resting on few comparables or an area-level pin is marked indicative. The costs are the listing’s own lines: the conciergerie and the accounting (the self-managed view drops both), booking channels whoever manages, cleaning, utilities, insurance, copropriété charges, the taxe foncière, TEOM, the second-home taxe d’habitation, the CFE and a maintenance reserve, less the non-resident income tax and social charges (LMNP régime réel, after a depreciation allowance that cannot create a loss and is added back to the taxable gain on resale), on an all-in cost that includes the droits de mutation and the notary. The cost lines are the listing’s stored ones; the price and the growth assumption can be changed above. Market factors in France may impact actual yields.