Sale

Four-room apartment with three terraces in 5-ti Polk, Shumen

Shumen5-Ti Polk
Published: 20 January 2026 Updated: 2 October 2026
Sale200,000 €1,941 €/m²
Expected rent401 € /mo

~45,500 € 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

2.4% / yr
Monthly payment887 €20% down payment · 20 yrs · 3%
Expected rent401 €at market conditions for the neighbourhood

The rent covers 45% of the payment — you top up about 486 €/mo for 20 years. From rent alone, with no loan, it pays for itself in 42 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 45,500 € above the typical price (the median) for apartments in 5-Ti Polk (122 properties) — 1,941 €/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 block. The property has an area of 103 sq m and includes four rooms, a kitchen, and a laundry room.

The layout is functional with two bedrooms, a living room, a lounge, a separate bathroom and toilet, as well as three terraces, two of which are glazed with PVC frames.

The building is prefab panel from 1980, gasified and with an approved insulation project. The apartment has been renovated with replaced installations, internal insulation, and new doors. Heating is provided by two air conditioners.

The location is convenient, close to Arena hall, schools, kindergartens, and public transport stops. The area offers the necessary amenities for everyday life.

The property is suitable for family living with a focus on practicality and comfort in an urban environment.

With 20% down over 20 years the monthly mortgage payment is about 887 €, against an expected local rent of 401 €. The rent covers 45% of it.

Source: Market statistics for apartments in 5-Ti Polk

Pros and cons

AI summary
Pros
  • functional layout
  • three terraces
  • renovated dwelling
  • gasified
Cons

We didn't find any significant drawbacks in the listing. This doesn't replace an in-person viewing.

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 255 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

  • corridor
  • bedroom
  • bedroom
  • living room
  • lounge
  • kitchen
  • laundry room
  • bathroom
  • toilet

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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