Tartu linn, Roosi tn 45 // 45b korteriühistu
Association of 10 flats. New loan taken in 2025; sharp rise in association fees: +2 165% (2025); small reserve capital.
Roosi tn 45 // 45b korteriühistu is a 10-flat apartment association in Tartu linn, Tartu linn (2 buildings). Per its 2025 annual report, a typical flat paid the association €144 a month.
The repair fund held €36 961 at year end (€158/m², ≈ €3 696 per flat), growing every year since 2022 (€18 124) — highest quarter locally. The association has a loan of €18 893 (≈ €1 889 per flat), last repayment 2050. Member fees rose 588% in 2022–2025 (€4 322 → €29 723 a year).
There are 19 associations with reports on the same street and within 500 m; their median is €2.41/m² a month in costs and €22/m² of repair fund. Source: the association's annual reports (e-Business Register), floor area from the Building Register.
The association manages: Roosi 45, Roosi 45B, Tartu linn. 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 (233 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 2025outstanding €18 893 — usually for renovation; repayments are part of the fees
- Sharp rise in association fees: +2 165% (2025)€1 312 (2024) → €29 723 (2025)
- Small reserve capital€530 — less than one month of costs (€2 419)
✓ Strengths
- Repair fund grows every year€18 124 → €36 961 (2022–2025)
- Large repair fund€158/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 19 neighbouring associations (median): total costs €2.41 · fees €0.87 · repair fund €22/m² (here €158)
On the same street: Roosi tn
| Association | Distance | Flats | Total owner costs €/m²/mo | Association fees €/m²/mo | Repair fund balance €/m² | Loan balance | Year |
|---|---|---|---|---|---|---|---|
| Roosi tn 45 (this one) | – | 10 | – | – | €158 | €18 893 | 2025 |
| Roosi tn 30b | 170 m | 8 | €2.06 | €0.82 | – | no | 2025 |
| Roosi tn 33 | 130 m | 13 | – | €5.84 | €30 | €40 901 | 2025 |
| Roosi tn 36 | 320 m | 13 | €4.46 | €0.97 | €57 | no | 2025 |
| Roosi tn 37 | 110 m | 18 | – | – | €22 | €320 643 | 2025 |
| Roosi tn 40 | 370 m | 9 | €5.57 | €0.87 | – | €38 116 | 2025 |
| Roosi tn 48 | 550 m | 5 | – | €0.59 | – | no | 2025 |
| Roosi tn 49 | 80 m | 12 | – | €0.56 | €5 | no | 2024 |
| Roosi tn 53 | 110 m | 8 | – | – | – | no | 2025 |
| Roosi tn 55 | 170 m | 12 | – | €0.81 | – | no | 2024 |
| Neighbours' median | €4.46 | €0.82 | €26 |
Nearby (within 500 m)
| Association | Distance | Flats | Total owner costs €/m²/mo | Association fees €/m²/mo | Repair fund balance €/m² | Loan balance | Year |
|---|---|---|---|---|---|---|---|
| Roosi tn 45 (this one) | – | 10 | – | – | €158 | €18 893 | 2025 |
| Jaama tn 22 | 60 m | 12 | €2.51 | €0.84 | €26 | no | 2025 |
| Jaama tn 26a | 110 m | 10 | €1.93 | €0.65 | €8 | no | 2025 |
| Kivi tn 77 | 150 m | 6 | €3.58 | €1.64 | €57 | no | 2025 |
| Mäe tn 31 | 150 m | 7 | – | €0.19 | – | no | 2025 |
| Jaama tn 12 | 180 m | 7 | €1.93 | €1.30 | €7 | no | 2025 |
| Kivi tn 65 | 180 m | 5 | €1.76 | €1.28 | – | €13 426 | 2025 |
| Mäe tn 28 | 200 m | 5 | €2.31 | €0.38 | €23 | no | 2025 |
| Kivi tn 55 | 210 m | 27 | €3.08 | €1.76 | €6 | no | 2025 |
| Mäe tn 13 | 210 m | 4 | €3.21 | €1.44 | €21 | no | 2025 |
| Kivi tn 40a | 210 m | 25 | €1.87 | €1.41 | €27 | no | 2025 |
| Neighbours' median | €2.31 | €1.29 | €22 |
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: €36 961 = €158/m² ≈ €3 696 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.
€18 893 outstanding at the end of 2025 ≈ €1 889 per flat
Principal due in the next 12 months €1 579 ≈ €132 a month (€13 per flat, plus interest)
| Lender | Balance | Rate | Ends |
|---|---|---|---|
| – | €18 893 | – | 2050-09 |
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 | €29 723 | €1 312 | €276 | €4 322 | ×6.9 |
| Collected into the repair fund | €11 153 | – | – | – | – |
| Repair spending | €27 754 | €0 | €276 | €900 | ×30.8 |
| Repair fund balance | €36 961 | €35 979 | €24 826 | €18 124 | +104% |
| Loan balance | €18 893 | €0 | €0 | – | – |
| Cash | €37 643 | €35 652 | €24 654 | €17 416 | +116% |
| Reserve capital | €530 | €530 | €530 | €530 | ≈ |
| Association expenses (income statement) | €29 031 | €653 | €282 | €4 322 | ×6.7 |
| Result for the year | €319 | €807 | €10 | €0 | – |
* from the comparative column of the following year's report.
Cash at year end
Money in the bank (incl. the repair fund).
Board's management report
Short summary of the 2025 report.
Aruandeaastal teostati remonditöid 27 754 € eest ja remondifondi koguti 11 153 €. Remondifondi jääk aasta lõpus oli 36 961 €.
members: 6 private + 1 companies.
See also
Frequently asked questions
What are the running costs of the Roosi tn 45 apartment association?
Per the association's 2025 annual report: a typical flat paid €144 a month; member fees of €29 723 a year in total.
How big is the repair fund of the Roosi tn 45 apartment association?
The repair fund held €36 961 at the end of 2025 (€158/m², ≈ €3 696 per flat). In 2022 it was €18 124. Compared with Ülejõe linnaosa, Ülejõe subdistrict: highest quarter locally.
Does the Roosi tn 45 apartment association have a loan?
Yes. The loan balance at the end of 2025 was €18 893 (≈ €1 889 per flat), last repayment 2050. The loan stays with the building when a flat is sold; repayments are part of the monthly fees.
Have the fees of the Roosi tn 45 apartment association gone up?
Member fees totalled €4 322 in 2022 and €29 723 in 2025 — a change of +588%. Latest year: +2 165% vs 2024.
How does the Roosi tn 45 apartment association compare with neighbouring buildings?
There are 19 associations with reports on the same street and within 500 m. Their median: total costs €2.41/m² per month; repair fund €22/m² (here €158/m²).
How big is the Roosi tn 45 apartment association and who manages it?
10 flats, 2 buildings. Registry code 80508190; 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 233 m².