Flat for sale 3+1 • 81 m² without real estate, Lower Saxony

Sanitized Investment Property in a Prime Location: 3-Room Investment Right by Stade Station

Sustainable Wealth Building Through Modern Quality – Immediately Ready to Move In & Value-Stable.

The Highlights for Your Portfolio

Property Type: Condominium (Investment Property)

Condition: Completely Modernized 2025 (No Deferred Maintenance!)

Location: Harburger Straße 48, 21680 Stade – 5 minutes on foot to the station and the old town (ideal for Hamburg commuters)

Living Area: approx. 80 m² | 3 rooms | 1st floor

Cash Flow Potential: Modern features allow for a rent that nearly covers the debt service (depending on creditworthiness and loan amount)

Special Features: Balcony & loggia, parking space included, separate WC, storage 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 pre-war apartments demand high maintenance reserves or renovation costs, this property was comprehensively modernized in 2025.

Your Advantages as a Landlord:

Minimized Maintenance: The electrical system, floors, walls, and sanitary facilities are new. No major investments are expected in the coming years within the apartment.

High Rentability: Due to its proximity to Stade station (S-Bahn connection to Hamburg) and its high-quality features, the apartment appeals to a financially robust 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.

Features & Modernization Status (2025)

Bathroom Design: A new, modern bathroom plus a separate WC.

Technology: Electrical installation is state-of-the-art.

Interior: New flooring, freshly wallpapered/painted walls.

Extras: A designated car parking space and a storage room further increase the rental value.

Location with Appreciation Potential: The A26 Factor

Harburger Straße 48 is already strategically perfect today. However, the true potential for investors will unfold in the near future:

Train Connection: Tenants can reach Stade station on foot in just 5 minutes. The S-Bahn and regional trains connect the Hanseatic town of Stade directly with Hamburg’s city center.

A26 Connection: With the ongoing completion of the A26 motorway, Stade will become even more closely integrated with the Hamburg metropolitan region. This improved accessibility will further boost the demand for living space in Stade and offers above-average appreciation potential for the property. Those who buy today secure prices before the final “A26 price jump.”

Property & Features (Modernized 2025)

Avoid renovation stress and high maintenance reserves. This apartment was upgraded to a modern standard in 2025:

Sanitary: New main bathroom plus separate WC (a decisive factor for tenant couples).

Electrical: Completely modernized main distribution board.

Living Comfort: Two outdoor areas (balcony and loggia) offer a high quality of life.

Efficiency: Well-maintained structure and new windows provide predictable additional costs.

The Business Plan: Building Wealth in Black and White

Here you see how your tenant and the tax office build your wealth while you only cover the additional costs.

Purchase Price: 235,000 EUR

Equity Investment: approx. 39,000 EUR (10% down payment + approx. 7% additional costs).

Loan (90%): 211,500 EUR

Monthly Rent (Cold): 900.00 EUR

Monthly Bank Installment: 915.00 EUR

Your Monthly Out-of-Pocket (Cash Flow): -15.00 EUR

Balance After 10 Years of Holding:

Total of Your Monthly Top-Ups: 1,800 EUR

Remaining Bank Debt: approx. 175,000 EUR (reduced by tenant repayments)

Selling Price After 10 Years: approx. 286,500 EUR (at a conservative 2% annual appreciation)

Selling Price 286,500 EUR - Remaining Debt 175,000 EUR = 111,500 EUR Payout

Your Net Profit After Deducting All Costs: 111,500 EUR - 47,000 EUR initial capital - 1,800 EUR top-ups = 62,700 EUR

Conclusion: Over 10 years, you have invested only 1,800 EUR “out of your own pocket” (plus the initial capital) to ultimately realize a tax-free profit of 62,700 EUR. That is the power of the leverage effect in rental properties. Take advantage of the window of opportunity before the A26 opens! This apartment is the perfect choice for investors looking for a safe bet. Would you like the complete brochure or would you like to schedule a viewing?