Apartment association · Tartu linn
Pepleri tn 3 apartment association
Tartu linn, Pepleri tn 3 korteriühistu (registry code 80078789) manages a 4-storey panel building built in 1935 with 32 flats. According to its 2025 annual report, the association's long-term liabilities were €234,889 (€210 per m² of flat space) and it held €7,027 in cash. Long-term liabilities have fallen 25% since 2019.
Board
- MRMadis Raudsaarboard member8 years 9 months
- TPTaavi Piparboard member7 years 1 month
- UPUrmas Prangelboard member4 years 10 monthsalso: Kaunase pst 37
- House conditiongood
- age, energy class and works done
- Loan affordabilityaverage
- loan vs the association's annual income
- Cash buffergood
- cash next to the loan, 3-year average
- Managementgood
- reports filed on time
Building
- Built
- 1935
- Storeys
- 4
- Construction
- panel
- Flats
- 32
- Lift
- no
- Heating
- district heating
- AAvalid until 26.05.2031
- B
- C
- D
- E
- F
- G
- H
Compared with similar buildings: Tartu linn, built 1930–1940 (34 associations).
Finances by year
Loan principal repayment is an estimated €1.05 per m² of flat space a month, about €53 a month for a 50 m² flat (interest not included) — more than 88% of associations repaying a loan. The median is €0.52 in Estonia and €0.66 in Tartu linn. At the current pace the loan will be repaid around 2042.
| Year | Long-term liabilities | Short-term liabilities | Cash | Income | Labour costs |
|---|---|---|---|---|---|
| 2025 | €234,889 | €21,742 | €7,027 | €16,955 | €0 |
| 2024 | €251,606 | €20,177 | €7,524 | €23,966 | €0 |
| 2023 | €264,922 | €22,611 | €5,705 | €13,784 | €0 |
| 2022 | €274,756 | €22,238 | €5,500 | €15,268 | €0 |
| 2021 | €289,715 | €18,980 | €4,139 | €11,920 | €0 |
| 2020 | €305,157 | €17,904 | €2,326 | €11,602 | €0 |
| 2019 | €311,803 | €17,796 | €8,408 | €364,388 | €0 |
Compared with similar buildings (Tartu linn, built 1930–1940; 34 associations), long-term liabilities per m² of flat space are higher than 85% of them. The median for buildings with a loan is €105/m².
Flats in this building
2 flats were offered for rent at €390–€500 a month.
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| Grade | Building | Long-term liabilities | Cash | Report |
|---|---|---|---|---|
| A | Riia tn 20b2020 · 26 flats | €0 | €13,451 | 2025 |
| B | Riia tn 22a2019 · 49 flats | €0 | €52,158 | 2024 |
| – | Filosoofi tn 1 | no reports | ||
| A | Kastani tn 79 // 81 // 831977 · 5 flats | €0 | €2,109 | 2024 |
| A | Era tn 3 // Riia tn 22b2018 · 10 flats | €0 | €17,249 | 2025 |
| – | Riia tn 24a1997 | no reports | ||
| – | Kastani tn 38b1977 · 4 flats | no reports | ||
| C | Vaksali tn 91963 · 48 flats | €41,243 | €10,068 | 2025 |
Frequently asked questions
Does the association have a loan?
According to its 2025 report, the association has €234,889 of long-term liabilities. The report's key figures do not separate a bank loan from a renovation grant — the association's own statement gives the exact loan balance.
How much cash does the association have?
At the end of 2025 the association held €7,027.
When was the building built?
According to the building register, it was first used in 1935 and has 4 storeys.
Who is on the association's board?
According to the business register, the board members are Madis Raudsaar, Taavi Pipar, Urmas Prangel (board since 06.01.2018).
How is the association grade calculated?
The A–E grade is built from public data and compares the association with all apartment associations in Estonia. House condition (40%) takes the building's age into account – a new house needs no renovation – along with the energy certificate and the works on the building that its flats' sale ads describe (sellers' and brokers' unverified claims) – the more works (facade, roof, pipes, heating and so on), the better; in an older building, a loan taken for renovation also counts as investment. Loan affordability (30%) shows how many years of income the long-term liabilities equal – up to three years is entirely normal. Cash buffer (10%) is cash per m² of flat space averaged over the last three year-ends: without a loan a bigger buffer is better; with a loan a moderate one is enough. Management (20%) shows whether the last three years' reports were filed, and on time, with extra points for a professional manager. A loan is not bad in itself: in an older building it usually means the house has been renovated. The grade is updated weekly.
Where does the data come from?
Finances: business register open data (annual-report key figures, 2019–2025). Building: building register. Flats on offer: Leiamaakler.ee data from the property portals.