Apartment association · Tartu linn
Risti tn 1 // 3 apartment association
Tartu linn, Risti tn 1 // 3 korteriühistu (registry code 80292761) manages a 2-storey brick building built in 1911 with 11 flats. According to its 2025 annual report, the association's long-term liabilities were €7,184 (€39 per m² of flat space) and it held €9,146 in cash. Long-term liabilities have fallen 70% since 2019.
Board
- RTRaili Tennovboard member8 years 9 months
- House conditionaverage
- age, energy class and works done
- Loan affordabilitygood
- loan vs the association's annual income
- Cash bufferaverage
- cash next to the loan, 3-year average
- Managementaverage
- reports filed on time
Building
- Built
- 1911
- Storeys
- 2
- Construction
- brick
- Flats
- 11
- Lift
- no
- Heating
- stove
The association's buildings (2)
Risti tn 112 flats, Risti tn 310 flats
Compared with similar buildings: Tartu linn, built 1906–1916 (22 associations).
Finances by year
Loan principal repayment is an estimated €1.27 per m² of flat space a month, about €64 a month for a 50 m² flat (interest not included) — more than 93% 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 2028.
| Year | Long-term liabilities | Short-term liabilities | Cash | Income | Labour costs |
|---|---|---|---|---|---|
| 2025 | €7,184 | €15,055 | €9,146 | €9,087 | €0 |
| 2024 | €10,431 | €12,045 | €6,434 | €7,623 | €0 |
| 2023 | €13,402 | €9,757 | €5,270 | €8,843 | €499 |
| 2022 | €16,029 | €9,973 | €5,213 | €8,632 | €499 |
| 2021 | €18,558 | €11,201 | €7,621 | €5,360 | €333 |
| 2020 | €21,223 | €9,102 | €6,311 | €5,457 | €0 |
| 2019 | €23,782 | €6,767 | €3,853 | €7,675 | €332 |
Compared with similar buildings (Tartu linn, built 1906–1916; 22 associations), long-term liabilities per m² of flat space are higher than 55% of them. The median for buildings with a loan is €73/m².
Flats in this building
Over the last 12 months 1 flat has been for sale in this building, asking €2,550–€2,550 per m².
Estate agents in Raadi-Kruusamäe · Flat prices in Raadi-Kruusamäe
Estate agents who have offered flats in this building
- Marina MarininaKinnisvarabüroo Areal OÜ1 flat
What is your flat worth?
An estimate for a flat at Risti tn 1 // 3 from similar homes — free and instant.
Value your flatApartment associations nearby
| Grade | Building | Long-term liabilities | Cash | Report |
|---|---|---|---|---|
| C | Narva mnt 96 // 96a1977 · 10 flats | €38,056 | €3,106 | 2025 |
| – | Narva mnt 1271995 · 6 flats | €9,910 | €10,100 | 2020 |
| – | Narva mnt 921959 · 3 flats | no reports | ||
| D | Narva mnt 1231977 · 5 flats | €2,581 | €10,198 | 2025 |
| C | Narva mnt 1291969 · 9 flats | €0 | €9,033 | 2025 |
| D | Narva mnt 1251977 · 4 flats | €0 | €13,041 | 2025 |
| A | Narva mnt 88 // 90 // Staadioni tn 31977 · 1 flats | €0 | €6,320 | 2025 |
| D | Narva mnt 115 // 117 // 1211977 · 1 flats | €19,432 | €18,765 | 2025 |
Frequently asked questions
Does the association have a loan?
According to its 2025 report, the association has €7,184 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 €9,146.
When was the building built?
According to the building register, it was first used in 1911 and has 2 storeys.
Who is on the association's board?
According to the business register, the board members are Raili Tennov (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.