Sale

Three-room apartment with terrace in Kartala district, Veliko Tarnovo

Veliko TyrnovoKartala
Published: 2 October 2026 Updated: 2 October 2026
Sale130,000 €1,857 €/m²
Expected rent477 € /mo

~21,500 € ABOVE MARKET

above market

against the median for 3-room apartments in Kartala (42 properties)

Area
70 m²
Floor
5 / 5
Construction
Brick
Heating
Gas

Yield analysis

Fair investment rating

4.4% / yr
Monthly payment577 €20% down payment · 20 yrs · 3%
Expected rent477 €at market conditions for the neighbourhood

The rent covers 83% of the payment — you top up about 100 €/mo for 20 years. From rent alone, with no loan, it pays for itself in 23 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 21,500 € above the typical price (the median) for 3-room apartments in Kartala (42 properties) — 1,857 €/m² against 1,552 €/m².

The apartment is located in Veliko Tarnovo, Kartala district, on the 5th floor of a five-storey building. The layout includes a kitchen with living room, two bedrooms, a terrace accessible from one of the bedrooms, a storage room, and a bathroom with toilet. The property has an area of 70.5 sq m and includes a basement room of 7.5 sq m.

The building is brick, and the apartment has internal thermal insulation and a gas heating system, as well as air conditioners for additional comfort. The aspect is east-west, providing good natural light.

The location is convenient with proximity to a supermarket, pharmacies, and restaurants, facilitating the daily needs of residents. The area offers access to various commercial and service facilities.

The property is sold furnished as shown in the photos and allows price negotiation. This makes it suitable for family use with balanced functionality and location.

With 20% down over 20 years the monthly mortgage payment is about 577 €, against an expected local rent of 477 €. The rent covers 83% of it.

Source: Market statistics for 3-room apartments in Kartala

Pros and cons

AI summary
Pros
  • functional layout
  • east-west aspect
  • internal thermal insulation
  • gas installation
Cons
  • top floor

Questions for the viewing

Only on imotesa

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

  1. What condition is the roof in, and does it overheat in summer?

    Because: The property is on the top floor.

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

    Because: The property is on floor 5 and the listing does not mention a lift.

  3. Is there enough daylight during the day?

    Because: The advertised exposure has no southern side.

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

Layout

  • kitchen
  • living room
  • bedroom
  • bedroom
  • terrace
  • storage

Exposure

AI summary
EEast

Morning sun, cooler afternoons

WWest

Afternoon and evening sun

Details

Category
Residential
Rooms
3
Bathrooms
1
Furnishing
Yes

Location

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