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Modern and renovated 3-room apartment in the center - commission-free -
21680 Stade – NiedersachsenRefurbished investment property in prime location: 3-room investment directly at Stade station
Sustainable wealth creation through modern substance - ready for immediate occupancy & stable value.
The highlights for your portfolio
Property type: Condominium (capital investment)
Condition: Core modernized 2025 (no maintenance backlog!)
Location: Harburger Straße 48, 21680 Stade - 5 min. walk to the train station and the old town (top for Hamburg commuters)
Living space: approx. 80 m² | 3 rooms | 1st floor
Cash flow potential: Modern furnishings allow rent that will almost cover the debt service (depending on creditworthiness and financing amount)
Special features: Balcony & loggia, parking space included, separate WC, cellar room
Property description for investors
This property is the ideal addition to your portfolio or the perfect entry into the real estate market. While other old apartments require high maintenance reserves or refurbishment costs, this property was extensively modernized in 2025.
Your advantages as a landlord:
Minimized maintenance: electrics, floors, walls and sanitary facilities are new. No major investments are expected within the apartment in the next few years.
Top rentability: Due to its proximity to Stade train station (S-Bahn connection to Hamburg) and the high-quality furnishings, the apartment appeals to an affluent target group (commuters, couples, small families).
Energy efficiency: With new windows and a solid building structure, the apartment is well equipped for future energy requirements.
Equipment & modernization status (2025)
Bathroom design: New, modern bathroom + separate WC.
Technology: State-of-the-art electrics.
Interior: New floor coverings, freshly wallpapered/painted walls.
Extras: A fixed parking space and a cellar room further increase the rental value.
Are you interested in this apartment?
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Object Number
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OM-424301
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Object Class
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Apartment
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Object Type
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Apartment
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Is occupied
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Vacant
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Handover from
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By arrangement
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Purchase price & additional costs
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purchase price
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234.999 €
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Purchase additional costs
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approx. 15,415 €
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Total costs
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approx. 250,414 €
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HOA fee
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300 €
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Breakdown of Costs
* Costs for notary and land register were calculated based on the fee schedule for notaries. Assumed was the notarization of the purchase at the stated purchase price and a land charge in the amount of 80% of the purchase price. Further costs may be incurred due to activities such as land charge cancellation, notary escrow account, etc. Details of notary and land registry costs
Does this property fit my budget?
Estimated monthly rate: 927€
More accuracy in a few seconds:
By providing some basic information, the estimated monthly rate is calculated individually for you. For this and for all other real estate offers on ohne-makler.net
Details
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Condition
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Renovated
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Number of parking lots
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1
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Year of construction
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1974
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Information on equipment
Property & equipment (modernization 2025)
Save yourself the stress of refurbishment and high maintenance reserves. This apartment was upgraded to a modern standard in 2025:
Sanitary: New main bathroom + separate WC (a decisive criterion for tenant couples).
Electrics: Completely modernized sub-distribution.
Living comfort: Two outdoor areas (balcony and loggia) offer a high quality of life.
Efficiency: Well-maintained substance and new windows ensure calculable ancillary costs.
The business plan: Asset accumulation in black and white
Here you can see how your tenant and the tax office build up your assets while you only cover the ancillary costs.
Purchase price: EUR 235,000
Equity investment: approx. 39,000 EUR (10% down payment + approx. 7% ancillary costs).
Loan (90%): 211,500 EUR
Monthly rent (cold): 900.00 EUR
Monthly annuity (bank): EUR 915.00
Your monthly own expenses (cash flow): -15.00 EUR
Balance sheet after 10 years holding period:
Total of your monthly additional payments EUR 1,800
Remaining debt to the bank approx. EUR 175,000 (due to the tenant's repayments)
Selling price after 10 years approx. 286,500 EUR (with conservative 2% increase in value p.a.)
Sales price € 286,500 - remaining debt € 175,000 = € 111,500 payout
Your net profit after deduction of all costs: € 111,500 - € 47,000 initial capital - € 1,800 additional payments = € 62,700
The bottom line: you have only invested a total of EUR 1,800 "out of your own pocket" over 10 years (plus the starting capital) to realize a tax-free profit of EUR 62,700 at the end. This is the power of the leverage effect for rented properties. Take advantage of the window of opportunity before the A26 opens! This apartment is the perfect choice for investors looking for a safe bank. Would you like the full exposé or to arrange a viewing?
Location
Location with prospects for value appreciation: the A26 factor
Harburger Strasse 48 is already in a perfect strategic location. But the true potential for investors will unfold in the near future:
Rail connection: Tenants can reach Stade station in just 5 minutes on foot. The S-Bahn and regional trains connect the Hanseatic city of Stade directly with Hamburg city center.
A26 connection: The ongoing completion of the A26 highway will bring Stade even closer to the Hamburg metropolitan region. This improved accessibility will further boost demand for residential space in Stade and ensure above-average potential for property appreciation. Buy today to secure prices before the final "A26 price jump".
Location Check
Energy
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Final energy consumption
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124.00 kWh/(m²a)
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Energy efficiency class
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D
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Energy certificate type
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Consumption certificate
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Main energy source
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Gas
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Miscellaneous
Send a message directly to the seller
Questions about this apartment? Show interest or arrange a viewing appointment?
Click here to send a message to the provider:
Offer from: Steffen Auffarth
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