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**Occupied life annuity in Étaules (17750) – Woman, 87 years old: Charentaise house with two apartments and rental income!**
**300 meters from the town center and shops**, discover this **unique property** comprising:
- **An authentic 162 m² Charentaise house**, spacious with great potential for modernization.
- **Two T2 apartments (30 and 35 m²)** with independent access, perfect for generating **immediate rental income**.
**Set on a fenced and wooded plot of approximately 1,000 m²**, offering a pleasant and peaceful setting.
The Charentaise house: a rare property with potential
- **Ground floor:** entrance, large kitchen, dining room, cozy living room with fireplace, WC, an 86 m² outbuilding serving as a boiler/laundry room, a bright summer lounge with bay window, and a workshop to renovate.
- **First floor:** a bathroom, a large bedroom with a fireplace and water points to renovate, and two adjoining bedrooms to refresh.
- **Outdoor spaces:** a southeast-facing canopy and veranda, perfect for enjoying sunny days.
An independent outbuilding on two levels, located in a corner of the plot, offers the possibility of creating a garage or an apartment with a separate entrance on another street.
The two apartments: a source of rental income
The two T2 apartments, currently rented (between €350 and €450/month each), feature:
- Individual electric meters,
- A shared water sub-meter,
- Electric heating.
An investment in occupied life annuity
- **Estimated market value:** €412,560
- **Purchase price in occupied life annuity:** €280,953
- **Initial payment (Bouquet):** €126,816 including agency fees (€100,000 net seller and €26,816 agency fees – 6.5% of the market value)
- **Monthly annuity:** €1,900
In case of early vacancy, the annuity will be increased by 20%.
Practical information
- **Heating:** new oil-fired boiler installed in 2024.
- **Energy diagnostics (conducted in July 2024):**
- House: Class E (234 kWh/m²/year, 62 kg CO2/m²/year)
- Apartments: Class E (332 and 327 kWh/m²/year, 10 kg CO2/m²/year – Class B for emissions).
- **Property tax 2023:** €1,046 (including €368 for waste collection tax).
An ideal setting with great potential
This **authentic Charentaise house**, complemented by two already rented apartments, is an ideal opportunity for an investor seeking immediate rental income and a property to enhance in value.
For more information or to schedule a visit, contact me now.
Information on risks related to this property is available on the website [Géorisques](https://georisques.gouv.fr).
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