Tallinn, Raua tn 45 korteriühistu
Association of 11 flats. Sharp rise in association fees: +36% (2025); small reserve capital; loan fully repaid.
Raua tn 45 korteriühistu is a 11-flat apartment association in Kesklinn district, Tallinn. Per its 2025 annual report, a typical flat paid the association €215 a month; total costs including utilities were €2.62/m² a month (within the usual local range, Raua subdistrict).
The repair fund held €14 713 at year end (€16/m², ≈ €1 338 per flat); in 2022 it was €6 912 — within the usual local range. It has no loan. Member fees rose 48% in 2022–2025 (€14 896 → €22 005 a year).
There are 25 associations with reports on the same street and within 500 m; their median is €3.81/m² a month in costs and €11/m² of repair fund. Source: the association's annual reports (e-Business Register), floor area from the Building Register.
Building: Raua tn 45, Tallinn. Data: the association's annual reports 2022–2025 (e-Business Register), the latest for 2025.
All figures: the association's 2025 annual report; €/m² = per m² of flats (911 m², Building Register); "a month" = yearly amount ÷ 12.
What an owner pays the association each month in total, usually including heating, water and electricity.
The association's own charges without utilities: upkeep, management, repair fund, loan.
Money saved for future repairs. A bigger balance means less risk of a sudden extra charge.
The association's joint loan (usually for renovation). Repayments are part of the monthly fees.
! Worth watching
- Sharp rise in association fees: +36% (2025)€16 206 (2024) → €22 005 (2025)
- Small reserve capital€1 745 — less than one month of costs (€1 840)
✓ Strengths
- Loan fully repaid€2 058 (2022) → €0 (2025)
Location and neighbouring associations
Associations on the same street and within 500 m, each by its latest report. The large dot on the map is this association. All associations and rankings in the area →
Compared with 25 neighbouring associations (median): total costs €3.81 (here €2.62) · fees €1.58 (here €2.01) · repair fund €11/m² (here €16)
On the same street: Raua tn
| Association | Distance | Flats | Total owner costs €/m²/mo | Association fees €/m²/mo | Repair fund balance €/m² | Loan balance | Year |
|---|---|---|---|---|---|---|---|
| Raua tn 45 (this one) | – | 11 | €2.62 | €2.01 | €16 | no | 2025 |
| Raua tn 4 | 330 m | 25 | – | €4.75 | – | €36 662 | 2025 |
| Raua tn 8 | 210 m | 17 | €4.85 | €2.07 | €39 | €197 367 | 2025 |
| Raua tn 10 | 190 m | 16 | – | €1.26 | – | no | 2025 |
| Raua tn 12 | 160 m | 12 | €3.77 | €1.49 | €16 | no | 2025 |
| Raua tn 16a | 80 m | 15 | – | €3.44 | €7 | €75 457 | 2025 |
| Raua tn 17a | 210 m | 2 | – | – | – | no | 2025 |
| Raua tn 18 | 70 m | 8 | – | €1.26 | €11 | €2 083 | 2025 |
| Raua tn 19a | 250 m | 10 | €4.33 | €2.78 | €2 | no | 2025 |
| Raua tn 20 | 80 m | 9 | €3.24 | €1.19 | €3 | no | 2025 |
| Raua tn 21 | 250 m | 13 | €3.85 | €1.58 | – | €77 409 | 2025 |
| Raua tn 24 | 110 m | 44 | €3.24 | €1.67 | – | no | 2024 |
| Raua tn 25 | 190 m | 9 | €5.24 | €3.46 | €7 | no | 2025 |
| Raua tn 26 | 170 m | 36 | €3.99 | €1.07 | €22 | €31 037 | 2025 |
| Raua tn 28 | 180 m | 13 | – | €1.46 | €4 | no | 2025 |
| Raua tn 29 | 190 m | 13 | – | €5.31 | €3 | €12 122 | 2025 |
| Neighbours' median | €3.92 | €1.63 | €7 |
Nearby (within 500 m)
| Association | Distance | Flats | Total owner costs €/m²/mo | Association fees €/m²/mo | Repair fund balance €/m² | Loan balance | Year |
|---|---|---|---|---|---|---|---|
| Raua tn 45 (this one) | – | 11 | €2.62 | €2.01 | €16 | no | 2025 |
| F. R. Kreutzwaldi tn 5a | 40 m | 10 | – | – | – | no | 2025 |
| F. R. Kreutzwaldi tn 3 | 50 m | 73 | €8.13 | €4.96 | €46 | no | 2025 |
| F. R. Kreutzwaldi tn 4a | 90 m | 35 | €1.75 | €0.35 | €34 | no | 2025 |
| F. R. Kreutzwaldi tn 6 | 90 m | 16 | €2.50 | €1.74 | €20 | €128 139 | 2025 |
| F. R. Kreutzwaldi tn 7 | 100 m | 13 | – | – | – | no | 2024 |
| Tina tn 22 | 100 m | 11 | – | €1.08 | €11 | no | 2025 |
| F. R. Kreutzwaldi tn 4 | 100 m | 14 | – | €1.11 | – | no | 2024 |
| Narva mnt 32 | 100 m | 14 | – | – | – | €153 009 | 2025 |
| Tina tn 24 | 110 m | 15 | €3.02 | €1.01 | – | no | 2025 |
| F. R. Kreutzwaldi tn 9 | 120 m | 11 | – | €1.75 | €14 | no | 2025 |
| Neighbours' median | €2.76 | €1.11 | €20 |
What owners pay for
Fees by type in 2025, as written in the report. "Average flat" = amount ÷ 11 flats ÷ 12; a bigger flat pays more.
| Fee | What it covers | Per year | €/m²/month | Average flat / month | Year before |
|---|---|---|---|---|---|
| Hooldustasudday-to-day upkeep and small fixes | day-to-day upkeep and small fixes | €6 407 | €0.59 | €49 | €6 355 |
| Haldustasudbookkeeping, board and property manager | bookkeeping, board and property manager | €3 469 | €0.32 | €26 | €3 488 |
| Kindlustustasudbuilding insurance | building insurance | €1 463 | €0.13 | €11 | €1 462 |
| Pangateenused | €12 | €0.00 | €0 | €0 | |
| Remonditasudsaved in the repair fund for future works | saved in the repair fund for future works | €10 654 | €0.97 | €81 | €4 901 |
| Total | €22 005 | €2.01 | €167 |
Fee names as written in the report.
Compared with Raua subdistrict
Green band = the middle half of the area's associations (2025), tick = median, dot = this association.
Association fees per year
All flats together, excluding utilities.
Repair fund and works
The repair fund is the association's savings for the roof, pipes, façade and so on. When it grows, more is saved than spent; when it shrinks, the money has gone into repairs.
Repair fund balance
Saved and not yet spent, at year end.
Money in and out
When the collected bar is taller the fund grew; when spending is taller, savings were used.
Repair fund at the end of 2025: €14 713 = €16/m² ≈ €1 338 per flat
Loans
An association loan is shared by all owners: when a flat is sold, its share stays with the building, not the seller. That is why a buyer should know the balance and the end date.
The association had no loan at the end of 2025.
All figures by year
The last column is the change from the first year to the latest: green = good news for owners, orange = a cost or risk is growing.
| 2025 | 2024 | 2023 | 2022* | Change | |
|---|---|---|---|---|---|
| Association fees per year | €22 005 | €16 206 | €21 546 | €14 896 | +48% |
| Collected into the repair fund | €8 385 | €9 928 | €6 522 | – | +29% |
| Repair spending | €10 654 | €4 901 | €11 238 | €6 017 | +77% |
| Repair fund balance | €14 713 | €8 946 | €5 603 | €6 912 | +113% |
| Loan balance | €0 | €0 | €441 | €2 058 | −100% |
| Cash | €14 406 | €9 627 | €6 959 | €9 177 | +57% |
| Reserve capital | €1 745 | €1 641 | €1 500 | €934 | +87% |
| Association expenses (income statement) | €22 084 | €16 209 | €21 546 | €14 979 | +47% |
| Result for the year | −€25 | €6 | €0 | −€83 | – |
* from the comparative column of the following year's report.
"Of which repair fund" is hidden: the figure read from the report matched repair spending.
Cash at year end
Money in the bank (incl. the repair fund).
Board's management report
Short summary of the 2025 report.
Hoonet haldab Kvatro Kinnisvarahalduse.
manager: Kvatro Kinnisvarahalduse · members: 16 private + 1 companies.
See also
Frequently asked questions
What are the running costs of the Raua tn 45 apartment association?
Per the association's 2025 annual report: total owner costs of €2.62/m² per month including utilities; a typical flat paid €215 a month; the association's own fees excluding utilities €2.01/m² per month. The Raua subdistrict median was €3.26/m² per month.
How big is the repair fund of the Raua tn 45 apartment association?
The repair fund held €14 713 at the end of 2025 (€16/m², ≈ €1 338 per flat). In 2022 it was €6 912. Compared with Raua subdistrict: within the usual local range.
Does the Raua tn 45 apartment association have a loan?
No. The association had no loan at the end of 2025.
Have the fees of the Raua tn 45 apartment association gone up?
Member fees totalled €14 896 in 2022 and €22 005 in 2025 — a change of +48%. Latest year: +36% vs 2024.
How does the Raua tn 45 apartment association compare with neighbouring buildings?
There are 25 associations with reports on the same street and within 500 m. Their median: total costs €3.81/m² per month (here €2.62/m² per month); repair fund €11/m² (here €16/m²).
How big is the Raua tn 45 apartment association and who manages it?
11 flats, managed by Kvatro Kinnisvarahalduse. Registry code 80142949; reports 2022–2025 (e-Business Register).
Terms in plain words
- Total owner costs (€/m² a month, incl. utilities)
- Everything owners paid the association (the report's flat table), heating, water and electricity included, divided by the flats' floor area and 12 months. Closest to what an owner actually pays each month.
- Association fees (€/m² a month, excl. utilities)
- The association's own charges — upkeep, management, repair fund, loan, insurance — without utilities, per m² of flats a month.
- Typical flat per month (€ a month)
- The median flat's yearly charge in the report's flat table, divided by 12. Half of the flats pay more, half less.
- Repair fund balance (€ at year end)
- Money saved for future repairs and not yet spent, at the end of the financial year.
- Repair fund balance (€ per m² of flats)
- The repair fund balance divided by the flats' floor area, so buildings of any size compare. Not a monthly charge.
- Repair-fund charge (€/m² a month)
- The part of the fees that goes into the repair fund.
- Loan balance (€ at year end)
- The unpaid part of the association's loan at year end. It stays with the building when a flat is sold; repayments are part of the monthly fees.
- Association fees per year (€, all flats together)
- The same charges as a yearly total for all flats (the report's "member fees").
- Association expenses (income statement) (€ a year)
- The association's own expenses for the year per its accounts (upkeep, management, repairs, interest). Not the same as the owners' "total owner costs".
- Reserve capital (€)
- The association's buffer for unexpected costs. By law at least 1/12 of its budgeted annual costs.
- Cash (€ at year end)
- Money in the bank at year end, the repair fund included.
- Result for the year (€)
- Income minus expenses. An association is not for profit: a small plus or minus is normal; several large losses in a row mean costs are paid from reserves.
We read the association's reports, meeting decisions and the price, and tell you what to watch.
Source: apartment association annual reports (e-Business Register); floor area: Building Register. Figures are machine-read from the reports and may contain reading errors — check the original report in the e-Business Register before deciding. How the figures are made (methodology) · Checklist before buying. Flats' floor area 911 m².