Sale

Three-room apartment 78 sq m in Shumen, Peti Polk district with two terraces

Shumen5-Ti Polk
Published: 2 April 2026 Updated: 2 October 2026
Sale132,000 €1,692 €/m²
Expected rent402 € /mo

~15,000 € ABOVE MARKET

above market

against the median for 3-room apartments in 5-Ti Polk (44 properties)

Area
78 m²
Floor
4 / 7
Construction
Panel
Year
1980

Yield analysis

Low investment rating

3.7% / yr
Monthly payment586 €20% down payment · 20 yrs · 3%
Expected rent402 €at market conditions for the neighbourhood

The rent covers 69% of the payment — you top up about 184 €/mo for 20 years. From rent alone, with no loan, it pays for itself in 27 years. Calculated from the median rent for the neighbourhood, at full occupancy and before running costs — a benchmark, not a guarantee.

Property analysis

This apartment is priced about 15,000 € above the typical price (the median) for 3-room apartments in 5-Ti Polk (44 properties) — 1,692 €/m² against 1,500 €/m².

Three-room apartment with an area of 78 sq m, located in the city of Shumen, Peti Polk district. The property is situated on the fourth floor of a seven-storey prefab panel building with an elevator and controlled access.

The layout includes a living room, two separate bedrooms, kitchen with glazed terrace, second terrace, bathroom and separate toilet, as well as a corridor with built-in wardrobe. The apartment comes with an adjacent basement of 5 sq m.

The building was constructed in 1980, and the property has not undergone modern improvements and is offered with the existing furnishings. The aspect is south/north, providing natural light throughout the day.

The location is convenient, close to Arena Shumen sports hall, hospital, schools, kindergartens and shops, with easy access to the city center.

The apartment is suitable for family use and offers the possibility for renovation according to personal preferences.

With 20% down over 20 years the monthly mortgage payment is about 586 €, against an expected local rent of 402 €. The rent covers 69% of it.

Source: Market statistics for 3-room apartments in 5-Ti Polk

Pros and cons

AI summary
Pros
  • two terraces
  • elevator
  • controlled access
  • good location
Cons
  • prefab panel construction
  • no modern improvements

Questions for the viewing

Only on imotesa

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

  1. What feedback have previous viewers given?

    Because: We have been tracking this listing for about 183 days.

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

    Because: Prefabricated panel construction.

  3. Have the risers been replaced, and when was the roof last repaired?

    Because: The building dates from 1980 — about 46 years old.

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

Layout

  • living room
  • bedroom
  • bedroom
  • kitchen
  • bathroom
  • toilet

Amenities

  • Elevator
  • With Parking
  • Access Control

Exposure

AI summary
SSouth

Maximum sunlight throughout the day

NNorth

Even light, cooler during summer

Details

Category
Residential
Rooms
3
Bathrooms
2
Furnishing
Yes

Approximate location

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

Similar properties nearby