Utsunkaltiontie 20

Kittilä | Lapland

The Pinnacle of

Villa Luxury

View Photos Watch Film 360° VTour Open House

Tomas Rogers

Presented At

€890,000

Bedrooms

Bathrooms

Living

915

SQFT

Stories 3

Fireplace

High Ceiling

Open Kitchen

Kitchen island

Sauna

Terrace

Mountain View

Duplex

Modern

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99130

Utsunkaltiontie 20

Kittilä | Lapland

Utsunkaltiontie 20, 99130 Kittilä, Finland, Kittilä, Lapland, Finland. , Kittilä , Lapland

A semi-detached apartment completed in 2023 in Levi’s desirable Utsuvaara area

Utsuvaara is known for its peaceful atmosphere, large log villas, and stunning fell landscapes. Snow-laden “tykkylumi” trees often appear as early as November, and the surrounding nature offers memorable experiences in every season. Heating is provided by economical geothermal energy.

The apartment is a carefully designed whole, where high-quality materials and thoughtful details create a comfortable and functional environment. The solutions are ideally suited for both personal holiday use and rental purposes. The utility room on the basement level can be accessed directly from outside, making it effortless to handle equipment after days spent outdoors. This floor also includes a tranquil sauna department with a dressing room, as well as two storage rooms that are currently furnished as sleeping areas for four.

The middle floor features the apartment’s second entrance. A full-wall window in the living room/kitchen opens up an impressive view towards Levi Fell, and the well-equipped kitchen with its island invites shared moments. This floor also includes two bedrooms, whose windows overlook a rugged stone field (“rakkakivikko”) that looks particularly striking during snow-free seasons.

The top floor houses the third bedroom, and the apartment currently offers sleeping places for a total of ten guests. The spacious maintenance room on the first floor provides excellent facilities for ski tuning, among other things. Altogether, this property offers a high-quality and practical base for enjoying everything Levi has to offer.

The apartment is sold fully furnished and equipped, including Secto Design pendant lights.

Exterior

Property

Gallery

3D Street View Tour

Property Location

Utsunkaltiontie 20, 99130 Kittilä, Finland, Kittilä, Lapland, Finland., Kittilä Lapland

Local Weather & Climate

Kittilä, Lapland

Current Conditions Updated recently

32 °F

Overcast clouds

Feels Like 22°F

Humidity 86%

Wind 14 mph

Visibility 6.2 mi

Sunrise 4:33 AM

Sunset 4:23 PM

5-Day Forecast

Tue 17 Mar

Clouds

High 32°

Low 31°

Wed 18 Mar

Clouds

High 35°

Low 30°

Thu 19 Mar

Clouds

High 36°

Low 27°

Fri 20 Mar

Clouds

High 33°

Low 22°

Sat 21 Mar

Clouds

High 37°

Low 23°

Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Kittilä?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

Home Price

€

Down Payment

€100,000

Interest Rate

Loan Term

Estimated Monthly Payment $3,160

Monthly Payment Breakdown

Principal & Interest $2,528

Loan Amount $400,000

Total Interest $337,621

Total Cost $737,621

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Important Information

This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
Tax benefit calculations are simplified estimates based on general assumptions for Eurozone. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
Tax Year Information: Tax data shown is based on Eurozone tax year 2025 (fiscal year: January-December). Tax laws change frequently and may have been amended since this data was compiled.

Limitation of Liability: By using this calculator, you acknowledge that all results are approximations and should not be relied upon for financial, legal, or tax decisions. openluxe, its affiliates, officers, directors, employees, and agents expressly disclaim all liability for any damages, losses, or consequences arising from the use of or reliance on this calculator or the information provided herein. openluxe is not a lender, financial advisor, or tax professional and does not provide mortgage loans, financial advice, or tax advice. Use of this calculator does not create any professional relationship.

$890,000

Utsunkaltiontie 20, 99130 Kittilä, Finland, Kittilä, Lapland, Finland.

Kittilä, Lapland

3 Beds

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Market Opinion

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Our perspective on current market conditions in Kittilä. For informational purposes only — always consult a licensed real estate professional before making decisions.

Market Analysis

International luxury real estate typically appreciates steadily over time.

Buyer Score

Estimated regional appreciation: 4% annually

Ultra-luxury properties tend to be more resilient during market downturns

Future Value & Wealth Building

Starting investment: $89,000,000 20% down ($17,800,000)

Investment Perspective

$1 → $1.36

Every dollar invested today could become $1.36 in 10 years

$100 → 136 $1,000 → $1,362

$7,648/day

Your home may appreciate while you sleep

$53,681/week $232,619/mo $2,791,429/yr

$100K Investment Comparison (10 Years)

Real Estate (Leveraged)

$281K

S&P 500 Index

$259K

High-Yield Savings

$155K

Real estate leverage: potential 8% advantage over stocks

-$49.0M

+$69.5M

$69.5M Potential Equity

vs $49.0M lost to rent over 10 years

$17.8M Down Payment Growth

3.9x

10yr

$69.5M

8.1x

20yr

$143.8M

12.6x

30yr

$224.8M

Wealth Comparison

×535

Equivalent to 535 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $224.8M

Time to Double Your Investment (accounting for market cycles)

42.4

years

Conservative

1.65% effective/yr

22.4

years

Market-Based

3.14% effective/yr

15.3

years

Optimistic

4.62% effective/yr

Projected Home Values (adjusted for market cycles)

10 Years

Conservative $104.8M +18%

Market $121.2M +36%

Optimistic $139.9M +57%

$69.5M est. equity

20 Years

Conservative $123.4M +39%

Market $165.1M +85%

Optimistic $219.8M +147%

$143.8M est. equity

30 Years

Conservative $145.4M +63%

Market $224.8M +153%

Optimistic $345.4M +288%

$224.8M est. equity

These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Important Disclaimer

The information presented in this Market Opportunity Opinion is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or real estate advice. This analysis represents our opinion based on publicly available data and should not be relied upon as the sole basis for any real estate or investment decision.

No Guarantee of Accuracy: While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the data, projections, or analysis contained herein. Market conditions can change rapidly and unpredictably.

Not Professional Advice: This content does not constitute professional real estate, financial, or investment advice. We strongly recommend consulting with qualified professionals—including licensed real estate agents, financial advisors, attorneys, and tax professionals—before making any real estate or investment decisions.

Past Performance Disclaimer: Historical data and trends presented do not guarantee future results. Real estate markets are subject to numerous factors beyond the scope of this analysis, including economic conditions, interest rates, local regulations, and unforeseen events.

By viewing this information, you acknowledge that you understand these limitations and agree that the property owner, listing agent, brokerage, and platform providers shall not be held liable for any decisions made based on this analysis.

Data from World Bank and regional real estate market research | Estimates based on historical appreciation trends

Frequently Asked Questions

Common questions about this property

How many bedrooms and bathrooms does Utsunkaltiontie 20, 99130 Kittilä, Finland, Kittilä, Lapland, Finland have?

This apartment at Utsunkaltiontie 20, 99130 Kittilä, Finland, Kittilä, Lapland, Finland features 3 bedrooms with 915 square feet of living space.

What is the size of Utsunkaltiontie 20, 99130 Kittilä, Finland, Kittilä, Lapland, Finland?

This property offers 915 square feet of living space.

What is the listing price for Utsunkaltiontie 20, 99130 Kittilä, Finland, Kittilä, Lapland, Finland?

This property is listed at $89,000,000, which equals $97268 per square foot.

Is now a good time to buy a home in Kittilä?

Based on current market indicators, Kittilä shows an active market. The market opportunity score is 65 out of 100, reflecting factors like price trends, inventory levels, and days on market.

What type of property is Utsunkaltiontie 20, 99130 Kittilä, Finland, Kittilä, Lapland, Finland?

This is a apartment located in Kittilä, Lapland. The property is situated in an established neighborhood with convenient access to local amenities and services.