Saint-Germain-l'Herm 63630, Saint-Germain-l'Herm
Saint-Germain-l'Herm, France
Guide Price
$113,327
98,400 EUR
PROPERTY TYPE
house
BEDROOMS
4
BATHROOMS
1
Description
Yves DEMOLIE et Nicole CHAUVEAU vous proposent à la vente cette ancien commerce rénové en habitation, ce bien se situe à St Germain l'herm, à environ 30 Mn d'Issoire et de l'A75.
Idéalement située, cette ancienne boulangerie pleine de caractère a été entièrement transformée en habitation. Ce bâti ancien en pierres développe 125 m² habitables et offre de beaux volumes ainsi qu'un fort potentiel d'aménagement.
La maison se compose d'un séjour agréable, d'une cuisine, de 4 chambres, d'une salle de bains et de WC. Les fenêtres sont en PVC, le bien est raccordé au tout-à-l'égout et bénéficie d'un chauffage communal au bois, solution à la fois économique et écologique. L'ensemble est en bon état général.
Les combles sont en partie aménageables, permettant d'augmenter la surface habitable selon vos besoins. L'ancien laboratoire de boulangerie/pâtisserie, actuellement utilisé comme garage, peut être transformé en grande pièce de vie, atelier, espace professionnel ou studio indépendant.
Bien atypique avec beaucoup de charme, idéal résidence principale, investissement locatif ou projet familial.
Pour plus d'informations ou pour organiser une visite, n'hésitez pas à prendre contact. Nicole Chauveau & Yves Demolie – Optimhome Toujours disponibles pour vos projets Les honoraires sont à la charge du vendeur. Les informations sur les risques auxquels ce bien est exposé sont disponibles sur le site Géorisques : www.georisques.gouv.fr.
Contactez Yves DEMOLIE Entrepreneur Individuel, Agent commercial OptimHome (RSAC N°534 161 344 Greffe de CLERMONT FERRAND) <span class="importDescriptionDecorator" data-type="phone">06 77 96 52 71</span> (réf. 600733 )
Location
Open in Google MapsLiving in Saint-Germain-l'Herm
Morning baguettes from the corner boulangerie, two-hour lunches with wine that no one apologizes for, and the slow realization that the French were right about everything involving food.
Visa
Talent Passport (Passeport Talent) — multiple categories for skilled workers, entrepreneurs, and researchers. Qualified employee route requires min €39,582/yr salary. Valid up to 4 years, family included. Visitor Visa (Visa Long Séjour) suits retirees with passive income — no work allowed, must prove €1,600+/mo resources.
Learn more: The Complete Guide to Moving to France→Key Fact
France has famously complex bureaucracy (the préfecture experience is legendary) but offers world-class universal healthcare, 5 weeks mandatory vacation, and excellent public infrastructure once you are in the system.
Learn more: Health Insurance for Americans Living Abroad→France at a glance
How France scores for American expats
Cost of buying in France
Estimated fees and ongoing costs for this property
Closing Costs
7-10% of purchase price
- ·Notary fees: 7-8% (includes transfer taxes)
- ·Agent: 3-8% (usually included in listing price)
- ·No separate stamp duty
Annual Costs
Property Tax
€500-3,000+/yr taxe foncière (varies by commune)
Insurance
€200-500/yr
HOA / Condo Fees
€100-300/mo for apartments (charges de copropriété)
Good to Know
Agent Fees
Usually seller pays (included in listing price)
Foreign Buyer Note
No restrictions on foreign buyers. Non-residents pay 3% additional wealth tax on French property above €1.3M.
Legal help in France
Hire your own attorney — not the seller's. We'll match you with a vetted local lawyer.
Need a local attorney in France?
We'll connect you with an independent, English-speaking real estate attorney experienced with foreign buyers. Not the seller's lawyer — yours.
Next steps for moving to France
Interested in this property? Here's how to move forward.
Understand the buying rules
Foreign ownership laws vary wildly by country. Some welcome you, others restrict or ban foreign buyers entirely.
Sort out your visa
Owning property doesn't give you the right to live there. Research residency options before you buy.
Plan your finances
Understand currency risk, international wire transfers, and whether you can get a local mortgage.
Know your tax obligations
US citizens are taxed on worldwide income. You'll need to file US taxes from abroad and may owe local taxes too.
Set up healthcare
Medicare doesn't cover you overseas. You'll need international health insurance or a local plan.
Run the full checklist
Banking, mail forwarding, power of attorney, pet import rules — the complete pre-move checklist.
Bien'ici (bienici.com)
EUR