≥20.0% below the model's estimate

Kiviportintie 4 B

00950 · Vartioharju · Helsinki

Asking price
€199,000
€2,783/m²
Model estimate
€304,378
€4,257/m²
Size
71.5 m²
3 rooms
Year
1965
Floor 1/1
Monthly fee
€1,108/mo
€536 maintenance + €571 capital
Gross yield
6.6%
vuokra-arvio · rent ÷ asking

Data updated 28 Sep 2026.

Price comparison

How the asking price compares with the price model's estimate and the price level of 00950.

Asking ≥20.0% below the estimate
We publish a gap to the model of at most 20%. This listing's gap is larger, so the figure is clipped. The Finder search leaves listings above 20% out altogether.
Asking price
€199,000
€2,783/m²
Model estimate
€304,378
€4,257/m²
Gap to the model's estimate
≥ −€60,876
asking price minus estimate

Asking price and the model's estimate

The model's average error on new listings is ±10.5%. This listing's gap to the estimate is larger than that. The estimate is an asking price, not a sale price: realised sales in 00950 closed on average 10.7% below the asking price (3 sales to the end of 2025).

The median asking price of listings for sale in 00950 is €3,648/m²; this flat asks €2,783/m².

Recent quarterly €/m² trend · 00950

loading…
Postcode median €/m² This listing's asking €/m²

Market context

How this listing compares with realised sales in 00950 Vartioharju (to the end of 2025) and with other listings for sale.

Days on market
0 days
Counted from when we first observed the listing, capped at our tracking window. Median for 00950: 55 days (n=32).
Sale price vs. asking in this postcode
−10.7%
Mean of 3 realised sales in 00950 to the end of 2025, the same figure the sales archive shows. At the same gap this listing would sell for about €177,645.

Comparable realised sales · 00950

3 newest sales between 50 and 100 m²
Sold by Size Asked Sold price €/m² vs ask
2025Q3 54.5 m² €179,000 €145,000 €2,661/m² −19.0%
2025Q3 84.5 m² €319,000 €310,000 €3,669/m² −2.8%
2025Q3 93 m² €318,000 €285,000 €3,065/m² −10.4%

What the model considered

27 inputs · XGBoost · v2.5

The estimate comes from a tree model trained on the asking prices of Helsinki listings. It is not a postcode average plus adjustments; the model uses all inputs together. Below are the values the model received for this flat, and each input group's weight in the model.

Model estimate
€304,378
€4,257/m²
Postcode reference
Median asking price in 00950 Vartioharju: €3,648/m² · this unit asks €2,783/m²
The median asking price of the listings still online in this postcode, after each postcode’s outliers are trimmed back to its interquartile fence. It is a reference, not a model input: the model reads its own training encoding of the postcode, which is clamped and can differ.
Input group
This flat
Weight in the model
Size
71.5 m² · 3 rooms
44.0%
Location
00950 Vartioharju
29.9%
Amenities
Elevator: No · Sauna: Yes · Balcony: No
7.8%
Condition
Good
6.2%
Pipe renovation
Not reported
4.6%
Land
Own plot
2.6%
Fees
€1,108/mo
1.9%
Year built
1965
1.7%
Floor
1 / 1
1.3%

Weight is the input group's share of the model's gain in training. It shows what the model generally relies on, not how much each value moved this flat's estimate.

Pipe renovation

A pipe renovation (linjasaneeraus) is the largest building-systems project a housing company undertakes, and its status often shows in the asking price.

No pipe renovation reported

The listing doesn't mention a recent or planned renovation. Check the housing-company report (isännöitsijäntodistus) for confirmation.

Building & title

Quick reference for things that move the price beyond size and location.

Apartment

Floor
1 / 1
Condition
Good
Energy class
D
Balcony
No
Sauna
Yes

Building

Year built
1965
Total floors
1
Elevator
No

Title

Land
Own plot
Pre-emption
No clause

Deal economics

What you actually pay, what a realistic close looks like, and what a buyer can expect to earn from rent.

Selling price
€146,918
myyntihinta — paid to seller
+
Debt share
€52,082
lainaosuus — co-op loan
=
Debt-free price
€199,000
velaton hinta — true total cost
Cash at signing · assume the loan€
Selling price €146,918
Transfer tax (1.5%) · on debt-free €2,985
Admin / drafting fee (est.) €380
Cash needed €150,283

You take over the housing company's loan share and service it via the monthly capital fee (rahoitusvastike).

Cash at signing · pay off the loan€
Debt-free price €199,000
Transfer tax (1.5%) €2,985
Admin / drafting fee (est.) €380
Cash needed €202,365

You pay the loan share upfront — the monthly capital fee disappears, only the maintenance fee remains.

Likely sale price. In 00950, sales closed on average 10.7% below the asking price (3 sales to the end of 2025). At the same gap this listing would sell for about €177,645 (cash including transfer tax and fees: €180,690).
Estimated monthly rent
€1,095
€930–€1,365 · vuokra-arvio.fi
Gross yield
6.6%
estimated rent ÷ asking
Implied annual rent
€13,140
estimate × 12
Refine the rent estimate on vuokra-arvio.fi → Property-specific rent model, accounts for furnishing, amenities, and floor.

Mortgage estimate

Quick estimate of monthly principal + interest. Move the sliders for your situation.

20 % · —
—
25 years
Loan amount
—
debt-free price minus down payment
Monthly principal + interest
—
— a month with the housing-company fee
Total interest paid
—
over the full term

Illustrative only. Real offers depend on your credit, ECB / Euribor at draw-down, and the bank's margin.

← Back to Finder · 00950