Keskuse tänav 12, Tartu

Keskuse tn 12 is a 5-story apartment building constructed in 1995, located in Märja alevik, comprising 30 apartments. The EHR registry code is 104036076 and cadastral ID is 83101:003:0073. Estiq reports energy class D.

The Estiq AVM model estimate is 1 754 €/m². The valuation range spans 1 521–1 987 €/m². The calculated fair value of a typical 3-room apartment is approximately €108 450.

Based on the 1 754 €/m² benchmark, a 40 sqm apartment is indicatively valued at €70 160 and a 50 sqm apartment at €87 700. Actual value depends on interior condition, floor, parking, and storage.

1-room: €52 861–€69 079; 2-room: €69 193–€90 421; 3-room: €93 880–€122 683; 4-room: €109 874–€143 584.

The model-based indicative asking price is approximately €1 768/m² (for the typical 3-room unit, about €113 873), allowing a 3–5% negotiation buffer.

A 3-room apartment in good condition has an estimated market rent of €730–€900 per month, generating an estimated gross yield of 8,5–9,5%.

Buying means a loan payment of about €448 a month, renting €730–€900 — the loan payment is 45% below the rent. That is 22% (loan) and 40% (rent) of the median gross wage (Tartu linn, €2,014, Q2 2026, Statistics Estonia). Assumes the typical 3-room flat (64.4 m²) at €108,450 (Estiq estimate), an 80% loan over 25 years at 3.8% and a €21,690 down payment; rent from nearby offers; association and state fees excluded.

Police open data list 228 recorded incidents in the surrounding ~0.7 km² cell over 24 months (incident level: high). Air: of the last 12 months' hourly readings, 60% were in the two best classes and 12% in the two worst (level: elevated). Estimated road noise at the building is 50 dB (Lden). Radon in soil gas: high (100–150 kBq/m³). These describe the area, not a specific apartment.

According to the apartment association's 2025 annual report, owners paid on average €3.22/m² per month in total including utilities; a typical flat paid €165 per month. Association fees excluding utilities were €0.72/m² per month, of which €0.19/m² to the repair fund. The association had €53 358 of loans outstanding. For comparison, the median of 1092 associations in Tartu linn was €2.53/m² per month. From 2022 to 2025 association fees changed by +0.0% 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.