Sepa tänav 20, Tallinn

Sepa tn 20 is a 5-story apartment building constructed in 2019, located in Põhja-Tallinna linnaosa, comprising 25 apartments. The EHR registry code is 120819920 and cadastral ID is 78408:808:0175. Estiq reports estimated energy class B.

The Estiq AVM model estimate is 4 067 €/m². The valuation range spans 3 681–4 453 €/m². The calculated fair value of a typical 3-room apartment is approximately €270 222.

Based on the 4 067 €/m² benchmark, a 50 sqm apartment is indicatively valued at €203 350 and a 75 sqm apartment at €305 025. Actual value depends on interior condition, floor, parking, and storage.

2-room: €188 511–€228 087; 3-room: €257 842–€311 975; 4-room: €333 934–€404 041.

The model-based indicative asking price is approximately €4 406/m² (for the typical 3-room unit, about €283 733), allowing a 3–5% negotiation buffer.

A 3-room apartment in good condition has an estimated market rent of €1 010–€1 230 per month, generating an estimated gross yield of 4,5–5,5%.

Buying means a loan payment of about €1,117 a month, renting €1,010–€1,230 — about the same. That is 53% (loan) and 53% (rent) of the median gross wage (Tallinn, €2,126, Q2 2026, Statistics Estonia). Assumes the typical 3-room flat (64.4 m²) at €270,222 (Estiq estimate), an 80% loan over 25 years at 3.8% and a €54,044 down payment; rent from nearby offers; association and state fees excluded.

Police open data list 8 recorded incidents in the surrounding ~0.7 km² cell over 24 months (incident level: few incidents). Air: of the last 12 months' hourly readings, 72% were in the two best classes and 8% in the two worst (level: moderate). Estimated road noise at the building is 50 dB (Lden). Radon in soil gas: high (50–100 kBq/m³). These describe the area, not a specific apartment.

According to the apartment association's 2025 annual report, owners paid on average €3.13/m² per month in total including utilities; a typical flat paid €213 per month. Association fees excluding utilities were €1.83/m² per month, of which €0.69/m² to the repair fund. The association had no loans. For comparison, the median of 697 associations in Põhja-Tallinn district was €2.97/m² per month. From 2022 to 2025 association fees changed by +91% in total. See the association figures.

No. For a mortgage the bank needs a certified valuer's report under EVS 875 — order a valuation.

Median error is 9.5% in Tallinn and 12.1% elsewhere in Estonia; 83% of Tallinn estimates fall within ±20% (blind test, May–September 2026). Atypical properties have larger errors — see the methodology.

Sale prices — notarised apartment sales, Maa- ja Ruumiamet; estimates — the Estiq AVM model; rents — Estiq market database (24 months); wages — Statistics Estonia (PA117); building data — building register (EHR); association costs — housing associations' annual reports; noise and air — national noise maps and air monitoring. Figures refresh with every data load and each states its period and sample — see the methodology.