38,5 m2 l 2 pokoje | metro Rondo ONZ 950 m
Transaction median 15 674 zł/m² · this listing is 32% pricier
- 38.5 m²area
- 2rooms
- 6floor
- 1972built
- On the market for 43 dayssee history
- Śródmieście · Chłodna 15address
Summary
Red flags
Price 32% above market
Strong gap from the median of real transactions nearby. Serious reason to push back on price or move on.
No Land and Mortgage Register (Księga Wieczysta)
Without KW a standard mortgage is impossible - the bank can't take it as collateral. Clarify with the seller before getting serious.
Move-in ready 6th floor apartment offers strong daylight but costs 32.4% above median price
- +The apartment is turnkey and ready to move in, with no hidden renovation or furnishing costs involved.
- +It comes fully furnished, including a sectional sofa, TV unit, dining table and chairs, equipped kitchen appliances, a bed, and large wooden wardrobes, though bedroom storage and dining furniture look dated and may need gradual replacement.
- −The asking price is 32.4% above the median, representing clear overpayment.
- −Monthly maintenance fees are high at 990 zł, approximately 25.7 zł per m², notably above average by 336 zł per month.
- •The metro station Rondo ONZ is 712 meters away, about a 9-minute walk.
- •The building was constructed in 1972 with some modernizations completed.
Match for you
Your buyer profile is empty, so there is nothing to compare this flat against yet. Four questions and this block turns into a checklist of what fits you and what does not.
This apartment is fully furnished and requires no renovation, making it suitable for immediate occupancy. It includes convenient features such as a separate storage room and available parking. While the layout is practical and the apartment receives ample natural light, the price is significantly above the median and monthly fees are notably high. You should verify the agency commission and consider negotiating the price before viewing or making an offer.
The fit score is based on your profile and the facts of this analysis. This is an informational tool, not advice.
What to do next
- mieszk.pl analysis done
Why you can push the price down
Priced +32% over the market median - you have room to argue
strong argumentOn the market ~1 mo. - the seller is tired of waiting
From the listing
Clarify with the seller - non-standard regime can complicate the transaction.
No land register - banks more often refuse a mortgage. Establishing KW is a separate procedure with costs and time.
What the apartment has
Equipment
- stove
- oven
- range hood
- fridge
- washing machine
Other amenities (3)
“in the listing” - ticked by the seller in the portal form · “from description” - found by AI in the listing text · “from plan” and “in photos” - spotted by AI on the floor plan or photos · not mentioned does not mean absent · “likely none” - not drawn on the complete floor plan
Key details
- Sale termsCooperative ownership right with possibility to establish land register (KW)
- Sale termsRegulated land; purchase possible with mortgage loan
- FeesMonthly maintenance fee 990 PLN includes all utilities except electricity
- ConditionApartment in very good condition, ready to move in after wall refresh
- What staysBuilt-in furniture and household appliances included in price
- What staysAppliances included: induction hob, oven, hood, fridge-freezer, washing machine
- LayoutTwo rooms with separate kitchen; approx. 16m2 living room, 10m2 bedroom
- LayoutBathroom approx. 4m2; hallway approx. 5m2
- Windows/viewEast-facing windows overlooking tree crowns and city panorama, quiet side
- BuildingBuilding from 1972, fully renovated with insulation, new elevators, monitored
Description
Warsaw - Centrum, ul. Chłodna 15 > Rondo ONZ metro station 950 m > right next to the block: Biedronka supermarket, post office, parcel lockers, restaurants, church, bakery, plenty of shops and…
Auto-translated from Polish. Inaccuracies possible.
Seller
agencyMADISON Nieruchomości4.955 reviews
Seller
agencyMADISON Nieruchomości4.955 reviews
source: Google · Google ratings are often inflated by agencies - treat as indicative, not a quality guarantee.
at least 32 active listings across 2 cities
Statistics based on listings collected by mieszk.pl. This is not an assessment of service quality.
Property history
Counted from when we first detected the listing across all portals. A listing disappearing does not mean it was sold.
Building
What affected the score
- Wielka płyta (1970s–80s)
- Security or gated estate
Cost of purchase
See how much you need now and the monthly payment if you buy with a mortgage.
What you pay now
- Down payment159 800 zł
- PCC 2%exempt (first home)
- Notary + KW registration3000 zł
- Mortgage deed at the notary1500 zł
- Bank: ~1% origination + appraisal7000 zł
- 16 000 zł
Bank mortgage rates
Data: ComperiaBank margins are indicative - not an offer.
Estimate per KNF heuristics (DTI ≤ 40% net, LTV ≤ 80%) and the notary fee schedule. Confirm exact amounts with a notary and bank.
Indicative data as of 09/2026. Some offers require additional products (account, insurance). The actual rate depends on income, credit history (BIK) and LTV.
Price
above market⚠️ Too few transactions in the tight era window (±10–15 yrs) - widened to ±20–30 to get a median. Neighboring older/newer buildings may be in the sample, estimate is indicative.
Similar transactions· 3
- 16 576 zł/m²-20%23/11/202516 576 zł/m²-20%ulica Żelazna 83/85179 m36.8 m²· 39197023/11/2025ulica Żelazna 83/8536.8 m² · 3 rooms · 9 floor · 1970
- 15 000 zł/m²-28%20/01/202615 000 zł/m²-28%ulica Elektoralna 28200 m44 m²· 33195420/01/2026ulica Elektoralna 2844 m² · 3 rooms · 3 floor · 1954
- 15 112 zł/m²-27%27/01/202615 112 zł/m²-27%ulica Ogrodowa 49269 m41.7 m²· 38196827/01/2026ulica Ogrodowa 4941.7 m² · 3 rooms · 8 floor · 1968
Nearby transactions· 30
- 4920 zł/m²-76%18/12/20254920 zł/m²-76%ulica Ogrodowa 7286 m35.6 m²· 35195418/12/2025ulica Ogrodowa 735.6 m² · 3 rooms · 5 floor · 1954
- 18 041 zł/m²-13%05/02/202618 041 zł/m²-13%ulica Krochmalna 2311 m38.8 m²· 29197205/02/2026ulica Krochmalna 238.8 m² · 2 rooms · 9 floor · 1972
- 30 116 zł/m²+45%15/12/202530 116 zł/m²+45%ulica Grzybowska 37389 m42.3 m²· 27197215/12/2025ulica Grzybowska 3742.3 m² · 2 rooms · 7 floor · 1972
- 29 535 zł/m²+42%11/12/202529 535 zł/m²+42%ulica Grzybowska 37389 m41.9 m²· 11197211/12/2025ulica Grzybowska 3741.9 m² · 1 room · 1 floor · 1972
- 16 487 zł/m²-21%04/12/202516 487 zł/m²-21%ulica Ogrodowa 52/54395 m37.9 m²· 38196904/12/2025ulica Ogrodowa 52/5437.9 m² · 3 rooms · 8 floor · 1969
Price trend - Śródmieście
2-roomNo clear trend: the monthly median swings more than prices themselves move.
Monthly RCN transaction median for 2-room flats in the area.
Last data point - January 2026: newer months have too few transactions in this slice for a reliable median, so the trend may lag the market.
Rental yield (estimate)
11 rental listings · within 0.5 kmHow we compute net?
- Annual rent (12 mo.)48 516 zł
- Vacancy 1 mo.−4043 zł
- Flat-rate tax 8.5%−3780 zł
- Maintenance reserve−2022 zł
- Net per year38 671 zł
Estimate based on nearby rental listings (asking rates). This is not investment advice.
Location
Moderate commute time to the centre.
Moderate commute time to the centre.
Basic shops and services in the area.
Basic shops and services in the area.
Schools nearby, but limited options for kids.
Schools nearby, but limited options for kids.
Some greenery, moderate noise.
Some greenery, moderate noise.
Nearby infrastructure
Couldn't load nearby infrastructure data.
Condition
A bright, functional compact apartment in a clearly identifiable 1970s panel block, with a pleasant tree-and-city outlook. The flat is move-in usable but has dated kitchen and bathroom finishes and some older furniture.
Generally well-maintained with clean walls, finished floors and intact doors, but the kitchen and bathroom use dated finishes, and some bedroom storage is older.
The living room has a broad glazed window/balcony-door set, and the apartment receives strong daylight, especially from the east-facing side.
White PVC windows appear in good condition. The outlook is open over tree crowns and the city skyline, although large blocks remain visible in the wider view.
The apartment is furnished with a sectional sofa, TV unit, dining table and chairs, equipped kitchen with oven, hob, hood, fridge-freezer and washing machine, plus a bed and large wooden wardrobes. The living furniture is serviceable, while the bedroom storage and dining set look dated and may be replaced gradually.
Similar listings nearby
pricier than similar
797 000 zł40.3 m² · 19 782 zł/m²-5%Żelazna, Wola76 m from the listing
839 000 zł38.4 m² · 21 849 zł/m²+5%Chłodna 11, Wola129 m from the listing- See allin the catalog, with the same filters
Picked from listings within 0.5 km with similar area and price. This is an asking price (what the seller wants), not a closed transaction - usually −3…−8% after negotiation.
Listing history in this and neighboring buildings
36.7 m² · 2 rm · floor 51 095 000 zł· 29 861 zł/m²For salesince Sep 16, 2026 · 3 days on market · ~80 m29 861 zł/m²- 38.4 m² · 2 rm · floor 10839 000 zł· 21 849 zł/m²For salesince Sep 16, 2026 · 3 days on market · ~130 m21 849 zł/m²
48 m² · 2 rm · floor 10770 000 zł· 16 042 zł/m²For salesince Sep 11, 2026 · 8 days on market · ~110 m16 042 zł/m²
A listing disappearing does not mean a sale - it may have been withdrawn or relisted.
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