Apartment association · Tammistu küla, Tartu vald
Tammistu keskus 4 apartment association
Tartu vald, Tammistu küla, Tammistu keskus 4 korteriühistu (registry code 80270587) manages a 3-storey block building built in 1987 with 12 flats. According to its 2025 annual report, the association's long-term liabilities were €45,574 (€45 per m² of flat space) and it held €8,434 in cash. Long-term liabilities have fallen 36% since 2019.
Board
- HRHelve Reidlaboard member8 years 9 monthsalso: Tammistu keskus 5
- SPSilvar Piirboard member2 years 11 months
- SNSirje Nüüdboard member2 years 11 months
- House conditionaverage
- age, energy class and works done
- Loan affordabilitygood
- loan vs the association's annual income
- Cash buffergood
- cash next to the loan, 3-year average
- Managementgood
- reports filed on time
Building
- Built
- 1987
- Storeys
- 3
- Construction
- block
- Flats
- 12
- Lift
- no
- Heating
- stove
- A
- B
- C
- DDvalid until 12.02.2026
- E
- F
- G
- H
Building page: Tammistu keskus 4 →
Compared with similar buildings: Tartu vald, built 1982–1992 (22 associations).
Finances by year
Loan principal repayment is an estimated €0.35 per m² of flat space a month, about €18 a month for a 50 m² flat (interest not included) — less than 71% of associations repaying a loan. The median is €0.52 in Estonia and €0.46 in Tartu vald. At the current pace the loan will be repaid around 2036.
| Year | Long-term liabilities | Short-term liabilities | Cash | Income | Labour costs |
|---|---|---|---|---|---|
| 2025 | €45,574 | €12,596 | €8,434 | €9,780 | -€3,735 |
| 2024 | €50,501 | €9,996 | €6,143 | €7,059 | -€2,718 |
| 2023 | €54,767 | €5,891 | €3,360 | €8,602 | -€2,411 |
| 2022 | €58,110 | €6,146 | €2,550 | €5,244 | -€1,414 |
| 2021 | €62,166 | €6,358 | €2,132 | €11,642 | -€1,483 |
| 2020 | €66,718 | €6,209 | €2,376 | €9,962 | -€1,414 |
| 2019 | €71,107 | €4,780 | €1,099 | €10,846 | -€1,414 |
Compared with similar buildings (Tartu vald, built 1982–1992; 22 associations), long-term liabilities per m² of flat space are higher than 68% of them. The median for buildings with a loan is €46/m².
Flats in this building
No flat in this building has been for sale or rent in the last 12 months.
What is your flat worth?
An estimate for a flat at Tammistu keskus 4 from similar homes — free and instant.
Value your flatApartment associations nearby
| Grade | Building | Long-term liabilities | Cash | Report |
|---|---|---|---|---|
| A | Tammistu keskus 5Tammistu küla1990 · 12 flats | €22,758 | €2,718 | 2025 |
| D | Tammistu keskus 3Tammistu küla1977 · 8 flats | €0 | €23,479 | 2025 |
| D | Tammistu keskus 2Tammistu küla1970 · 8 flats | €0 | €2,863 | 2025 |
| C | Tammistu keskus 1Tammistu küla1968 · 7 flats | €0 | €20,091 | 2025 |
Frequently asked questions
Does the association have a loan?
According to its 2025 report, the association has €45,574 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 €8,434.
When was the building built?
According to the building register, it was first used in 1987 and has 3 storeys.
Who is on the association's board?
According to the business register, the board members are Helve Reidla, Silvar Piir, Sirje Nüüd (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.