Sale

Four-room apartment in Shumen with two terraces

ShumenMatematicheska Gimnaziya
Published: 20 January 2026 Updated: 9 September 2026
Sale145,000 €1,421 €/m²
Expected rent401 € /mo

AT MARKET LEVEL

fairly priced

against the median for 4-room apartments in Matematicheska Gimnaziya (16 properties)

Area
102 m²
Floor
4 / 5
Construction
Brick
Year
1980

Yield analysis

Low investment rating

3.3% / yr
Monthly payment643 €20% down payment · 20 yrs · 3%
Expected rent401 €at market conditions for the neighbourhood

The rent covers 62% of the payment — you top up about 242 €/mo for 20 years. From rent alone, with no loan, it pays for itself in 30 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 at the typical price (the median) for 4-room apartments in Matematicheska Gimnaziya (16 properties) — 1,421 €/m² against 1,466 €/m².

Apartment in the city of Shumen, Matematicheska gimnaziya district, with an area of 102 sq m and brick construction from 1980. It is located on the 4th floor of a total of 5.

The layout includes an L-shaped corridor, kitchen with terrace, dining room, living room, two bedrooms, two additional terraces, bathroom and toilet in separate rooms.

The building is maintained, and the apartment has partially replaced PVC windows and natural oak parquet. Heating and cooling are provided by air conditioning.

The location is convenient with proximity to schools, hospital, childcare facilities and shops, with controlled access at the entrance.

The property is suitable for family use with a functional layout and good location in an urban environment.

With 20% down over 20 years the monthly mortgage payment is about 643 €, against an expected local rent of 401 €. The rent covers 62% of it.

Source: Market statistics for 4-room apartments in Matematicheska Gimnaziya

Pros and cons

AI summary
Pros
  • functional layout
  • two terraces
  • controlled access
  • natural oak parquet
Cons
  • partially replaced windows
  • air conditioning for heating

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 256 days.

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

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

  3. Is there a lift in the building, and what condition is it in?

    Because: The property is on floor 4 and the listing does not mention a lift.

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

Layout

  • corridor
  • kitchen
  • dining room
  • living room
  • bedroom
  • bedroom
  • bathroom
  • toilet

Amenities

  • Access Control

Exposure

AI summary
SSouth

Maximum sunlight throughout the day

NNorth

Even light, cooler during summer

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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