Tenant-occupied, pipe-renovated three-room flat — now at a very low asking price, Kuopio

For sale to the highest bidder: a pre-rented, pipe-renovated three-room flat in a great location!

Property:
A well-kept 83 m² three-room flat with a balcony on the building's 2nd floor. The apartment has a practical layout: two bedrooms, a living room, a separate kitchen and a bathroom with a washing machine connection. Suitable for rental use; a dishwasher was replaced in the flat this year.

Kuopio as an investment city:

Kuopio is located in the North Savo region on the shores of Lake Kallavesi. More than 120,000 people live in Kuopio, making it Finland's 8th largest city (Source: www.kuopio.fi). In 2020, Pellervo Economic Research ranked Kuopio 1st in its ranking of Finland's largest cities (Source: www.vuokranantajat.fi).

Kuopio offers diverse services and good transport connections. There are several shopping centres, restaurants, cultural attractions and sports facilities, and many annual events. Kuopio is also known for its beautiful nature and stunning lake scenery. From an investor’s perspective Kuopio is attractive: the housing market has been stable and property prices reasonable compared with other large Finnish cities. The city’s growing student population also creates rental demand.

Housing company:

The housing company comprises one building with 26 apartments. The most significant renovations have been completed — see the list below. The company is peaceful and the atmosphere in the building is good. Rentability in the area and the company is excellent.

Tenant:

The flat is rented on a periodic (open-ended) tenancy to reliable tenants with clean credit records from 15 November 2025. The first possible notice date is 1 September 2026, so the landlord can expect secure rental income.

Rental yield:

The monthly rent is €925. The apartment carries a housing company loan of €55,248.43 (as of 31 July 2026). The housing company loan has been booked in the company's accounts, so the financing charge is fully tax-deductible. The exact loan amount will be updated at the time of sale.

Distances:

- 150 m bus stop
- 160 m K-Market
- 750 m Kalevala School
- 1.4 km Honkalahti beach
- 2 km travel centre
- 2.1 km Kuopio city centre
- 2.2 km Kuopio harbour
- 2.3 km Kuopio City Library
- 4–5 km various campuses of the University of Eastern Finland

Major renovations:

- Windows and balcony doors replaced 1999
- Lifts installed and stairwells renovated 2006
- Plot supply line and main sewer renewed 2006
- Ventilation exhaust units renewed 2008
- Domestic water pipes renewed and apartments fitted with water meters 2013
- Balconies renovated and glazing installed 2018
- Sewer network relining 2021

Why bid on this property:
✅ Good and reliable tenant (clean credit records)
✅ Low purchase price -> excellent return on equity
✅ Housing company loan -> enables leverage and tax benefits
✅ Location – peaceful, close to services and the lake, 2 km to the city centre
✅ Major housing company renovations completed

Bid and secure yourself a great investment for Christmas at a huge discount!