Tallinn, Tondi tn 20 korteriühistu
Association of 11 flats. New loan taken in 2024; small reserve capital; large repair fund.
Tondi tn 20 korteriühistu is a 11-flat apartment association in Kesklinn district, Tallinn. Per its 2025 annual report, a typical flat paid the association €213 a month.
The repair fund held €14 200 at year end (€35/m², ≈ €1 291 per flat); in 2022 it was €11 126 — highest quarter locally. The association has a loan of €278 864 (≈ €25 351 per flat), last repayment 2049. Member fees rose 2 131% in 2022–2025 (€7 663 → €170 926 a year).
There are 25 associations with reports on the same street and within 500 m; their median is €2.74/m² a month in costs and €23/m² of repair fund. Source: the association's annual reports (e-Business Register), floor area from the Building Register.
Building: Tondi tn 20, 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 (404 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
- New loan taken in 2024outstanding €278 864 — usually for renovation; repayments are part of the fees
- Small reserve capital€279 — less than one month of costs (€14 226)
✓ Strengths
- Large repair fund€35/m² — highest quarter locally
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 €2.74 · fees €1.01 · repair fund €23/m² (here €35)
On the same street: Tondi tn
| Association | Distance | Flats | Total owner costs €/m²/mo | Association fees €/m²/mo | Repair fund balance €/m² | Loan balance | Year |
|---|---|---|---|---|---|---|---|
| Tondi tn 20 (this one) | – | 11 | – | – | €35 | €278 864 | 2025 |
| Tondi tn 16 | 70 m | 26 | €3.47 | €0.77 | €25 | no | 2025 |
| Tondi tn 18 | 30 m | 12 | – | €1.77 | €27 | no | 2025 |
| Tondi tn 22 | 20 m | 12 | €2.89 | €0.80 | €53 | no | 2025 |
| Tondi tn 24 | 50 m | 11 | – | – | – | €59 973 | 2025 |
| Tondi tn 24a | 80 m | 18 | €3.51 | €0.75 | €16 | €49 432 | 2025 |
| Tondi tn 39 | 680 m | 9 | – | €5.19 | – | €143 714 | 2025 |
| Tondi tn 44 | 820 m | 53 | €4.65 | €2.29 | €1 | €74 874 | 2024 |
| Tondi tn 48 | 900 m | 32 | €2.74 | €0.78 | €23 | no | 2025 |
| Tondi tn 50 | 960 m | 37 | €3.58 | €0.83 | €16 | no | 2025 |
| Tondi tn 50a | 940 m | 35 | – | – | – | no | 2024 |
| Tondi tn 51 | 920 m | 20 | – | €2.00 | €11 | €229 395 | 2025 |
| Tondi tn 52 | 1 030 m | 8 | €1.22 | €0.50 | €50 | no | 2025 |
| Tondi tn 54 | 1 070 m | 8 | €1.65 | €0.28 | €72 | no | 2025 |
| Tondi tn 56 | 1 110 m | 8 | €1.54 | €0.41 | €43 | no | 2025 |
| Tondi tn 60 | 1 160 m | 8 | €2.39 | €1.51 | – | no | 2025 |
| Neighbours' median | €2.82 | €0.80 | €25 |
Nearby (within 500 m)
| Association | Distance | Flats | Total owner costs €/m²/mo | Association fees €/m²/mo | Repair fund balance €/m² | Loan balance | Year |
|---|---|---|---|---|---|---|---|
| Tondi tn 20 (this one) | – | 11 | – | – | €35 | €278 864 | 2025 |
| Magdaleena tn 17 | 40 m | 11 | €2.56 | €1.75 | €23 | no | 2025 |
| Magdaleena tn 16 | 50 m | 7 | €2.40 | €0.38 | €24 | no | 2024 |
| Alevi tn 9 | 60 m | 9 | €2.16 | €1.51 | €15 | no | 2025 |
| Magdaleena tn 14 | 70 m | 12 | €4.68 | €2.25 | – | €25 012 | 2025 |
| Alevi tn 7 | 80 m | 14 | €2.78 | €2.17 | €29 | no | 2025 |
| Magdaleena tn 15 | 100 m | 15 | €2.90 | €1.01 | – | no | 2025 |
| Magdaleena tn 10 | 110 m | 13 | – | €0.96 | €4 | no | 2025 |
| Marta tn 6 | 120 m | 5 | – | €0.25 | – | €1 372 | 2025 |
| Pärnu mnt 122 | 130 m | 26 | €2.20 | €1.05 | €7 | no | 2025 |
| Pärnu mnt 124 | 130 m | 8 | – | €9.32 | €4 | no | 2025 |
| Neighbours' median | €2.56 | €1.28 | €15 |
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 |
|---|---|---|---|---|---|
| Haldamine | €4 610 | €0.95 | €35 | €4 541 | |
| Heakord | €4 139 | €0.85 | €31 | €6 374 | |
| Kindlustusbuilding insurance | building insurance | €482 | €0.10 | €4 | €445 |
| Reservfond | €161 695 | €33.34 | €1 225 | €143 810 | |
| Total | €170 926 | €35.24 | €1 295 |
Fee names as written in the report.
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: €14 200 = €35/m² ≈ €1 291 per flat
Works done, per the reports
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.
€278 864 outstanding at the end of 2025 ≈ €25 351 per flat
Principal due in the next 12 months €7 143 ≈ €595 a month (€54 per flat, plus interest)
| Lender | Balance | Rate | Ends |
|---|---|---|---|
| Swedbank | €278 864 | 4.08% | 2049-07 |
Loan balance at year end
Lower bars = the loan is being repaid.
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 | €170 926 | €155 170 | €8 943 | €7 663 | ×22.3 |
| Collected into the repair fund | €143 573 | €3 345 | €3 344 | – | ×42.9 |
| Repair spending | €161 695 | €143 810 | €1 022 | €211 | ×766.3 |
| Repair fund balance | €14 200 | €12 409 | €13 449 | €11 126 | +28% |
| Loan balance | €278 864 | €129 093 | €0 | – | – |
| Cash | €9 615 | €8 809 | €12 052 | €11 541 | −17% |
| Reserve capital | €279 | €279 | €279 | €279 | ≈ |
| Association expenses (income statement) | €170 707 | €154 981 | €8 975 | €7 681 | ×22.2 |
| Result for the year | €226 | €189 | −€6 | −€14 | – |
* 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.
Korteriühistu Tondi 20 alustas oma tegevust 14.03.2017.a. Korteriühistu on korteriomanike poolt loodud mittetulundusühing.
members: 12 private + 4 companies.
See also
Frequently asked questions
What are the running costs of the Tondi tn 20 apartment association?
Per the association's 2025 annual report: a typical flat paid €213 a month; member fees of €170 926 a year in total.
How big is the repair fund of the Tondi tn 20 apartment association?
The repair fund held €14 200 at the end of 2025 (€35/m², ≈ €1 291 per flat). In 2022 it was €11 126. Compared with Kitseküla subdistrict: highest quarter locally.
Does the Tondi tn 20 apartment association have a loan?
Yes. The loan balance at the end of 2025 was €278 864 (≈ €25 351 per flat), interest 4.08%, last repayment 2049. The loan stays with the building when a flat is sold; repayments are part of the monthly fees.
Have the fees of the Tondi tn 20 apartment association gone up?
Member fees totalled €7 663 in 2022 and €170 926 in 2025 — a change of +2 131%. Latest year: +10% vs 2024.
How does the Tondi tn 20 apartment association compare with neighbouring buildings?
There are 25 associations with reports on the same street and within 500 m. Their median: total costs €2.74/m² per month; repair fund €23/m² (here €35/m²).
How big is the Tondi tn 20 apartment association and who manages it?
11 flats. Registry code 80414738; 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 404 m².