Zamzam Towers: 3-Bedroom Apartment For Sale in Civil Lines, Karachi

Civil Lines, Karachi: A High-Security, Central Address

Civil Lines is one of Karachi’s oldest and most stable residential zones. Zamzam Towers sits at Plot No. 9, Sheet CL-7, Civil Lines Quarters — within a high-security corridor near the Chief Minister’s House, foreign consulates, and state guest houses.

This “Red Zone” classification means strictly monitored access and a significantly lower crime rate than most other parts of the city. The area also sits on a VIP power grid, so residents typically experience zero to minimal load shedding.

Key location advantages for this address:

• Saddar business hub — approximately 5 minutes by car
• Clifton and Defence lifestyle corridor — approximately 10 minutes away
• Frere Hall Gardens — directly visible from upper-floor windows
• Pakistan American Cultural Center (PACC) — 600 metres on foot
• Atrium Mall (3D cinema, food court, major brands) — 1.2 km away
• St. Patrick’s High School and St. Joseph’s Convent — within 2 km
• South City Hospital, Clifton — 3.5 km via Dr. Ziauddin Ahmed Road

2,000 Sq. Ft. of Finished, Ready-to-Occupy Living Space

Zamzam Towers was completed with possession handed over in approximately 2018–2019. The building is a high-rise with 15+ floors and multiple basement parking levels. This unit is a finished, liveable apartment — not an off-plan purchase.

Full specification breakdown for this unit:

• Built-up area: 2,000 square feet — generous by Civil Lines high-rise standards
• Bedrooms: 3 full-sized rooms with private space for each family member
• Drawing and dining rooms: separate, large enough for formal entertaining
• Views: upper floors face Frere Hall Gardens and the Civil Lines skyline
• Car parking: 2 dedicated spaces included in the sale price
• High-speed elevators: swift access across all floors
• Standby generator: full building coverage during outages
• Gym, basketball court, children’s play area: on-site recreational facilities
• Dedicated Masjid: within the complex for residents
• 24/7 security with intercom system: monitored entry at all times

Price at PKR 8 Crore: What the Numbers Say

The asking price is PKR 80,000,000 for a 2,000 sq. ft. unit. That works out to PKR 40,000 per square foot. Civil Lines commands a premium over most Karachi corridors because of its security profile, central location, and low supply of new residential stock.

For context, a comparable 3-bedroom unit in Zamzam Towers is also listed at PKR 75,000,000 for the same 2,000 sq. ft. footprint. This unit is priced at a modest premium, which reflects floor level and view orientation. Both figures confirm that the PKR 38,000–40,000 per sq. ft. range is the current market band for this building.

Price context at a glance:

• Asking price: PKR 80,000,000 (PKR 8 Crore)
• Price per sq. ft.: PKR 40,000
• Comparable Civil Lines listing: PKR 75,000,000 for same size and building
• 2 car parking spaces included — no additional cost
• Flexible payment terms available — contact MaxX Capitals for a tailored plan

Title Status: Leased, SBCA-Approved, Transfer-Ready

Zamzam Towers is an SBCA-approved project (Licence No. BL-3015). The land is on a leased title — individual leases are available with mutation (intiqal) and transfer possible. Mutation, or intiqal, is the official ownership update in government records after a sale.

This is a straightforward transfer. There are no society NOC complications typical of gated communities like DHA or Bahria. The buyer works directly through the Karachi land records system.

Documentation checklist for buyers to verify:

• SBCA approval certificate — Licence No. BL-3015 on record
• Individual lease deed — confirm it is in the seller’s name
• Mutation/intiqal record — confirm no pending encumbrances
• Stamp duty: typically 1–3% in Sindh, payable at transfer
• Withholding tax: rates differ for tax filers vs. non-filers — confirm current FBR schedule
• Capital Gains Tax (CGT): 15% if sold within 1 year; 0% after 4 years of ownership

Civil Lines as a Long-Term Property Investment

Civil Lines has a constrained supply of new residential land. No large-scale development is possible in this heritage zone. That limited supply, combined with strong demand from professionals and diplomats, supports steady price growth over time.

Buyers who hold this asset beyond 4 years pay zero Capital Gains Tax on any profit — a meaningful financial benefit for long-term investors. Rental demand in Civil Lines is consistent. The high-security profile and central location attract corporate tenants, expats, and government-linked professionals.

Investment case summary:

• Limited new supply: Civil Lines heritage zoning restricts future development
• Consistent rental demand: proximity to consulates and government offices drives tenancy
• CGT benefit: zero tax on gains after 4 years of holding
• VIP grid power supply: adds tangible lifestyle value vs. other city zones
• Proven resale corridor: Civil Lines has an established track record for price stability

Steps to Buy This Apartment Through MaxX Capitals

Buying a ready-possession apartment in Karachi follows a clear process. MaxX Capitals guides buyers through each step.

1. Schedule a viewing — inspect the unit, building, and parking in person
2. Review documentation — verify lease deed, SBCA approval, and mutation record
3. Agree on terms and pay token — a written token agreement locks in the price
4. Execute sale agreement (bai nama) — formal contract signed by both parties
5. Registry and mutation — transfer completed at the relevant land authority; take possession (qabza)

Explore Similar Apartments in Civil Lines and Nearby

If you are comparing options before deciding, these related listings from MaxX Capitals are worth reviewing:

• A 3-bed Civil Lines apartment in Zamzam Towers is listed at PKR 75,000,000 — same building, same size, useful for direct price comparison.
• An Abeeda Tower 4-bed Civil Lines flat at PKR 70,000,000 offers a larger 2,500 sq. ft. layout in the same neighbourhood.
• A 3-bed Metro Twin Towers apartment in Clifton Block 8 is priced at PKR 46,000,000 — a lower-budget alternative 10 minutes away.

A 3-bedroom apartment in Zamzam Towers at PKR 80,000,000 is a well-priced entry into one of Karachi’s most secure and central addresses. The building is complete, the title is leased and transfer-ready, and the Civil Lines location delivers both lifestyle quality and long-term value. For families, professionals, and investors seeking a stable asset in a supply-constrained zone, this unit checks every key box. Contact MaxX Capitals to schedule your inspection and begin the ownership process.