Paju tänav 11, Tartu

Paju tn 11 is a 3-story apartment building constructed in 2020, located in Tartu linn, comprising 10 apartments. The EHR registry code is 120757225 and cadastral ID is 79516:031:0003. Estiq reports estimated energy class A.

The Estiq AVM model estimate is 2 593 €/m². The valuation range spans 2 248–2 938 €/m². The calculated fair value of a typical 3-room apartment is approximately €163 030.

Based on the 2 593 €/m² benchmark, a 40 sqm apartment is indicatively valued at €103 720 and a 50 sqm apartment at €129 650. Actual value depends on interior condition, floor, parking, and storage.

2-room: €97 119–€126 916; 3-room: €140 483–€183 584.

The model-based indicative asking price is approximately €2 613/m² (for the typical 3-room unit, about €171 182), allowing a 3–5% negotiation buffer.

A 3-room apartment in good condition has an estimated market rent of €640–€780 per month, generating an estimated gross yield of 4,7–5,7%.

Buying means a loan payment of about €674 a month, renting €640–€780 — the loan payment is 5% below the rent. That is 33% (loan) and 35% (rent) of the median gross wage (Tartu linn, €2,014, Q2 2026, Statistics Estonia). Assumes the typical 3-room flat (65.5 m²) at €163,030 (Estiq estimate), an 80% loan over 25 years at 3.8% and a €32,606 down payment; rent from nearby offers; association and state fees excluded.

Air: of the last 12 months' hourly readings, 59% were in the two best classes and 17% in the two worst (level: elevated). Estimated road noise at the building is 50 dB (Lden). These describe the area, not a specific apartment.

According to the apartment association's 2024 annual report, owners paid on average €1.44/m² per month in total including utilities; a typical flat paid €89 per month. Association fees excluding utilities were €0.61/m² per month. The repair fund held €222 at year end. The association had no loans. For comparison, the median of 28 associations in Annelinna linnaosa, Ees-Annelinna subdistrict was €2.76/m² per month. From 2022 to 2024 association fees changed by +59% in total; the repair fund went from €281 (2022) to €222 (2024). 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.