Sale

Four-room apartment 103 sq m in 5-ti polk, Shumen with three terraces

Shumen5-Ti Polk
Published: 3 December 2025 Updated: 11 September 2026
Sale185,598 €1,801 €/m²
Expected rent401 € /mo

~31,000 € ABOVE MARKET

overpriced

against the median for apartments in 5-Ti Polk (122 properties)

Area
103 m²
Floor
7 / 8
Construction
Panel
Year
1980

Yield analysis

Low investment rating

2.6% / yr
Monthly payment823 €20% down payment · 20 yrs · 3%
Expected rent401 €at market conditions for the neighbourhood

The rent covers 49% of the payment — you top up about 422 €/mo for 20 years. From rent alone, with no loan, it pays for itself in 39 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 31,000 € above the typical price (the median) for apartments in 5-Ti Polk (122 properties) — 1,801 €/m² against 1,499 €/m².

The apartment is located in the city of Shumen, 5-ti polk district, on the seventh floor of an eight-storey prefab panel building.

The layout includes four rooms – two bedrooms, a living room and a lounge, kitchen, laundry room, bathroom and toilet in separate rooms, as well as three terraces, two of which are glazed.

The building is gasified and has an elevator and access control. The apartment has been renovated with replaced PVC windows, insulation, and updated plumbing and electrical installations. Heating is provided by two air conditioners.

The location offers conveniences close to urban infrastructure and green areas.

The property is suitable for family living with a balanced combination of functionality and comfort.

With 20% down over 20 years the monthly mortgage payment is about 823 €, against an expected local rent of 401 €. The rent covers 49% of it.

This property is advertised in 2 offers from 2 different sellers. The gap between the cheapest and the dearest is 14,402 €. It has been listed for 303 days.

Source: Market statistics for apartments in 5-Ti Polk

Pros and cons

AI summary
Pros
  • functional layout
  • three terraces
  • renovated installations
  • elevator
Cons
  • prefab panel construction

Questions for the viewing

Only on imotesa

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

  1. Which price is the real one, and who am I negotiating with?

    Because: The property appears in 2 listings, and the prices differ by about 7%.

  2. What feedback have previous viewers given?

    Because: We have been tracking this listing for about 303 days.

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

    Because: Prefabricated panel construction.

  4. 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

  • bedroom
  • bedroom
  • living room
  • lounge
  • kitchen

Amenities

  • Elevator
  • Access Control
  • Renovated

Exposure

AI summary
SSouth

Maximum sunlight throughout the day

NNorth

Even light, cooler during summer

WWest

Afternoon and evening sun

Details

Category
Residential
Rooms
4
Bathrooms
2
Furnishing
Yes

Approximate location

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

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