Sale

Four-room apartment with two terraces in the centre of Veliko Tarnovo

Veliko TyrnovoCentyr

Published: 13 June 2026 Updated: 13 September 2026

Sale135,000 €1,153 €/m²

Expected rent572 € /mo

~39,000 € BELOW MARKET

good value

against the median for 4-room apartments in Centyr (94 properties)

Area

117 m²

Floor

4 / 4

Construction

Brick

Year

1970

Yield analysis

Fair investment rating

5.1% / yr

Monthly payment599 €20% down payment · 20 yrs · 3%

Expected rent572 €at market conditions for the neighbourhood

The rent covers 95% of the payment — you top up about 27 €/mo for 20 years. From rent alone, with no loan, it pays for itself in 20 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 39,000 € below the typical price (the median) for 4-room apartments in Centyr (94 properties) — 1,153 €/m² against 1,488 €/m².

4-room apartment in Veliko Tarnovo, located in the ideal city centre. The property has an area of about 99 sq m and includes a living room, separate kitchen with dining area, two bedrooms, bathroom, separate toilet and two terraces. The layout is functional and provides convenience in use. The building is brick from 1970, and the apartment is on the top fourth floor. The flooring is natural parquet and terracotta, the window frames are PVC, heating and cooling are provided by air conditioners. The location offers easy access to administrative institutions, educational establishments and shops in the city centre. The property is suitable for family living or investment considering the location and layout.

With 20% down over 20 years the monthly mortgage payment is about 599 €, against an expected local rent of 572 €. The rent covers 95% of it.

Source: Market statistics for 4-room apartments in Centyr

Pros and cons

AI summary

Pros

functional layout
two terraces
east/west aspect
17 sq m basement

Cons

top floor
1970 construction

Questions for the viewing

Only on imotesa

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

Why is this priced below comparable properties? Is there anything that could affect the sale?
Because: The price per m² is about 23% below the average for comparable properties.
Have the risers been replaced, and when was the roof last repaired?
Because: The building dates from 1970 — about 56 years old.
What condition is the roof in, and does it overheat in summer?
Because: The property is on the top floor.
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.
Is there enough daylight during the day?
Because: The advertised exposure has no southern side.