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

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Villa Elegance

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Comolake Immobiliare
Comolake Immobiliare
Presented At
€2,200,000
Bedrooms
5
Bathrooms
3
Living
2,584
SQM
Stories 3
22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. - Photo 1
22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. - Photo 2
22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. - Photo 3
22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. - Photo 4
22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. - Photo 5
22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. - Photo 6
22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. - Photo 7
22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. - Photo 8
22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. - Photo 9
22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. - Photo 10
22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. - Photo 11
22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. - Photo 12
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22012 Cernobbio, Province of Como, Italy, Cernobbio, Lombardy, Italy. , Cernobbio , Lombardy

Attic in a historic villa on the lake

The attic in a historic villa on the lake, is located in a fancy historical house, built between 1851 and 1852 by Pietro Gonzales from Verona, making a dock of the villa between the most beautiful of Como lake. The villa has an exclusive position which is directly on the lake, with a park of over 3500 square meters with ancient trees. The elegant and presticious house, has a very convenient and easy location to reach in a few minutes the highway connecting Milan, the airports and the Swiss border. In the villa there are only four houses, so there’s an exclusive context and great privacy. The entrance of the villa is majestic with marble and materials of royal. The house has particular volumes, since it’s on the top floor, and it also has ceilings that can be extended. You enter the large living room with windows overlooking the lake and the environments are oriented towards the lake, both the living area and the rooms. The attic in a historic villa on the lake has considerable architectural potential, ideal to realize a charming house with great character, even in modern tones. The ceilings let imagine the architecture of the roof beams creating an interesting architectural game for lovers of open spaces and generous heights. At the moment the sleeping area has three cozy bedrooms, with services and the living area has a kitchen, dining room and a large and bright livingroom. In the upper floor, there’s the possibility to create other rooms or an extension of the house. The property also has two parking spaces, a portion of private garden, and the shared use of the wonderful dock and the large roof terrace for pleasant moments on the lake with friends or for some relaxing time. In the basement there’s a beautiful room used as a cellar that could be transformed into a wonderful tavern or fitness area, with also an old fireplace. The attic in a historic villa on the lake is a prestigious and an excellent investment that can be rented even for short periods or as a representative location, since it’s convenient to reach, and well connected to all services. Cernobbio is the ideal place to spend a relaxing stay among beautiful landscapes and culture, and also an excellent starting point for exploring Lake Como. It has an exclusive and strategic position so that in recent years has become a major international tourist resort, thanks to the numerous and renowned luxury hotels in the area. The surrounding hills also offer pleasant walks and are the destination of trekking enthusiasts for nature excursions, with pleasant panoramic trails on the lake. The area also offers many commercial services, sports facilities, schools, and also, within walking distance, the international school.

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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: $220,000,000 20% down ($44,000,000)

Investment Perspective
$ $ $
$1 → $1.30
Every dollar invested today could become $1.30 in 10 years
$100 → 130 $1,000 → $1,298
+$15,916
$15,916/day
Your home may appreciate while you sleep
$111,717/week $484,108/mo $5,809,294/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 💸 -$121.1M
vs
OWN 📈 +$157.6M
$157.6M Potential Equity
vs $121.1M lost to rent over 10 years
$44.0M Down Payment Growth
3.6x
10yr
$157.6M
7.2x
20yr
$318.0M
10.9x
30yr
$480.8M
Wealth Comparison
×1,145
Equivalent to 1,145 average US homes
top 5%
US household wealth ranking
Median: $193K Yours: $480.8M
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 $246.7M +12%
Market $285.5M +30%
Optimistic $329.7M +50%
$157.6M est. equity
20 Years
Conservative $276.7M +26%
Market $370.5M +68%
Optimistic $494.1M +125%
$318.0M est. equity
30 Years
Conservative $310.3M +41%
Market $480.8M +119%
Optimistic $740.4M +237%
$480.8M 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 5 bedrooms with 2,584 square feet of living space.
This property offers 2,584 square feet of living space.
This property is listed at $220,000,000, which equals $85139 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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