Sale

Four-room apartment in Gabrovo, Sirmani with two terraces

GabrovoSirmani
Published: 2 August 2025 Updated: 21 September 2026
Sale82,000 €780 €/m²
Expected rent341 € /mo

~29,500 € BELOW MARKET

good value

against the median for apartments in Gabrovo (259 properties)

Area
105 m²
Construction
Panel
Year
1990

Yield analysis

Fair investment rating

5% / yr
Monthly payment364 €20% down payment · 20 yrs · 3%
Expected rent341 €at market conditions for the neighbourhood

The rent covers 94% of the payment — you top up about 23 €/mo for 20 years. From rent alone, with no loan, it pays for itself in 20 years. Calculated from the median rent for the neighbourhood, at full occupancy and before running costs — a benchmark, not a guarantee.

Price history

2 changes since listing▲ 0% · 0 €
  1. 82,000 €2 August 2025Initial price
  2. 84,000 €▲ 2,000 € (2.4%) 4 June 2026Price increased
  3. 82,000 €▼ 2,000 € (2.4%) 14 June 2026Price reducedCurrent

Property analysis

This apartment is priced about 29,500 € below the typical price (the median) for apartments in Gabrovo (259 properties) — 780 €/m² against 1,064 €/m².

4-room apartment in the town of Gabrovo, district Sirmani, located on the third floor of a prefab panel block from 1990.
The layout includes a living room, lounge, kitchen, corridor with laundry area, bathroom with toilet, separate toilet, and two bedrooms. There are two functional terraces, which are glazed.
The building is prefab panel construction with an elevator. The apartment has underfloor heating installed, and the flooring is natural stone and tiles. A refresh renovation is needed.
The district offers a quiet urban environment with convenient access to the centre and main services.
The property is suitable for a family seeking a spacious and functional home with potential for updating.

With 20% down over 20 years the monthly mortgage payment is about 364 €, against an expected local rent of 341 €. The rent covers 94% of it.

Source: Market statistics for apartments in Gabrovo

Pros and cons

AI summary
Pros
  • two terraces
  • underfloor heating
  • elevator
  • functional layout
Cons
  • needs refresh renovation

Questions for the viewing

Only on imotesa

Derived from this specific property's data — not a generic checklist. Take them with you.

  1. Why is this priced below comparable properties? Is there anything that could affect the sale?

    Because: The price per m² is about 27% below the average for comparable properties.

  2. What feedback have previous viewers given?

    Because: We have been tracking this listing for about 426 days.

  3. Has the block been insulated under the renovation programme, and is there paperwork for it?

    Because: Prefabricated panel construction.

Generated automatically from the data we hold. They do not replace an in-person viewing, a survey or legal due diligence.

Layout

  • living room
  • lounge
  • kitchen
  • corridor
  • bathroom
  • toilet
  • master bedroom
  • second bedroom

Amenities

  • Elevator

Exposure

AI summary
SSouth

Maximum sunlight throughout the day

NNorth

Even light, cooler during summer

Details

Category
Residential
Rooms
4
Bathrooms
2

Approximate location

The exact address hasn't been published by the seller — the map shows the neighbourhood.

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