€450,000
Apartment in Universal
Condition
Resale
Energy
NA
Year built
2018
Features
Property description
A spacious three-bedroom ground-floor apartment in Aphrodite's Gardens, a well-established gated complex in Universal, one of Paphos's most sought-after residential areas. Supermarkets, restaurants, the beach and Paphos Harbour are all just minutes away. The apartment works equally well as a permanent home, a holiday residence or an income-producing rental. The Property • Open-plan living room and fully equipped kitchen, defined by a modern bar counter • Master bedroom with en suite bathroom • Two further bedrooms served by a family bathroom with shower • Air conditioning and heating units in every room • Large covered veranda overlooking the pool and landscaped gardens • Direct access to a private front garden (exclusive use), ideal for children, pets or outdoor dining • Step-free ground-floor access, ideal for families and retirees • Water filtration system for drinking-quality tap water • Sold fully furnished and equipped The Complex • Two large communal swimming pools plus a separate children's pool • Extensive, professionally maintained gardens • On-site gym • Gated entrance with private off-road parking Investment Potential Currently operating as a short-term holiday rental, this apartment is a turnkey opportunity for investors. The Universal location draws strong year-round demand from tourists and long-term tenants alike. Key Details • Bedrooms: 3 • Bathrooms: 2 • Internal area: approx. 112 m² • Covered veranda: approx. 22 m² • Private garden (exclusive use): Yes • Floor: Ground • Parking: Yes • Furnished: Yes
Location
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Mortgage calculator
Estimate monthly payments, deposit, Land Registry fees, VAT treatment, and bank affordability checks for this listing.
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Mortgage calculator for this property
Estimate the loan, deposit, Land Registry fees, VAT treatment, and bank affordability checks for this listing.
Recommended max LTV: 80%. Cyprus banks commonly finance up to 80% of the property value for an owner-occupied primary residence.
Resale property selected. VAT is estimated at €0 and transfer fees may apply because VAT is generally not payable on resale properties.
First-time buyer status is informational only here; it does not change the payment, transfer fees, stamp duty, or mortgage registration estimate.
Reduced 5% VAT depends on a main-residence declaration, property size/value limits, and Tax Department eligibility.
Use only if the planning-permit and declaration deadlines apply.
- Transfer fees are estimated at 3%, 5%, 8% bands, then 50% reduced when VAT is not paid.
- Transfer fees are estimated from purchase price and VAT treatment only; buyer ownership status does not change them here.
- No transfer fee is estimated when VAT applies to the transaction under current Land Registry practice.
- Mortgage registration is estimated at 1% of the mortgage amount.
- Stamp duty is shown as €0 because stamp duty was abolished for agreements from 1 January 2026.
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- Ask the bank which first-home products and documents apply.
Estimates are indicative only and do not constitute financial advice or a lending offer. Actual lending decisions, fees, VAT treatment, and affordability assessments depend on the individual bank, the Tax Department, the Department of Lands and Surveys, and the buyer's personal circumstances.