Kalliolammentie 31, 93830 Kuusamo, Finland, Kuusamo, Finland. - Hero Image
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Kalliolammentie 31
Kuusamo

The Apex of

Villa Style

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Antti Suhonen
Antti Suhonen
Presented At
€609,000
Bedrooms
4
Bathrooms
4
Living
1,518
SQFT
Stories 2
High Ceiling
Open Kitchen
Air Conditioning
Washer Dryer
Laundry Room
Sauna
Terrace
Parking
Modern
Kalliolammentie 31, 93830 Kuusamo, Finland, Kuusamo, Finland. - Photo 1
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Kalliolammentie 31, 93830 Kuusamo, Finland, Kuusamo, Finland. , Kuusamo , Kuusamo

Modern Nordic Villa of Elegance and Harmony in Ruka’s Fells

Completed in 2023, this exceptional modern villa perfectly combines contemporary Scandinavian design, effortless comfort, and the serenity of Lapland’s natural beauty. Situated in the highly sought-after Rukanriutta area, the property offers an exclusive retreat where sophistication meets pure northern tranquility. Every detail has been carefully considered to ensure a lifestyle of ease, style, and lasting quality. The moment you enter, you are greeted by light, space, and stunning views. Expansive windows frame the surrounding fells and forests, inviting nature to become part of the interior. High ceilings and a calming palette of soft tones create a sense of openness, while marble-inspired tile floors and refined finishes add a touch of understated luxury. A spacious glazed balcony extends the living space outdoors, allowing you to enjoy morning coffee or golden sunsets sheltered from the elements. At the heart of the home lies a custom-made Puustelli kitchen, designed for both form and function. Its blend of light wood, dark accents, and generous workspace makes cooking and entertaining a true pleasure. The open-plan layout flows seamlessly into the dining and living areas — the perfect setting for gathering with family and friends to share meals, stories, and laughter long into the evening. The villa features four beautifully appointed bedrooms across two levels, ensuring privacy and comfort for all guests. Each room has been designed as a peaceful haven for rest, with high-quality materials and thoughtful lighting that create a warm and sophisticated ambiance. The spa-style wellness area offers a true Finnish experience: a sleek bathroom with dual rain showers and a tranquil sauna where the soft heat melts away the day. With three bathrooms in total, even larger groups can enjoy absolute comfort and convenience. Built with sustainability and ease of living in mind, the villa is equipped with geothermal heating for energy-efficient warmth and an air-source heat pump for cooling during the summer months — ensuring year-round comfort in an environmentally friendly way. An additional outbuilding houses a spacious utility and technical rooms, perfect for ski maintenance, laundry, and storage. There is also ample space for sports equipment, as well as an EV charging point, making this a truly modern, future-ready holiday home. The location offers a rare balance of peaceful seclusion and easy access. Ruka Village, with its restaurants, shops, and services, is only a few minutes away, while ski slopes, hiking trails, and biking routes start nearby. The SkiBus stop just a few hundred metres away provides effortless connection to the slopes without the need for a car. This property is more than a holiday villa — it is a refined Nordic retreat, where contemporary luxury and the stillness of Lapland’s wilderness exist in perfect harmony. A place to slow down, breathe deeply, and experience the beauty of every season surrounded by the timeless landscapes of Ruka.

Exterior

Property

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3D Street View Tour

Map showing Kalliolammentie 31, 93830 Kuusamo, Finland, Kuusamo, Finland.

Property Location

Kalliolammentie 31, 93830 Kuusamo, Finland, Kuusamo, Finland., Kuusamo Kuusamo

Local Weather & Climate

Kuusamo, Kuusamo

Current Conditions Updated recently
1 °F
Clear sky
Feels Like -12°F
Humidity 85%
Wind 7 mph
Visibility 6.2 mi
Sunrise 7:19 AM
Sunset 1:12 PM
5-Day Forecast
Tue 27 Jan
Clouds
High -3°
Low -3°
Wed 28 Jan
Clouds
High 3°
Low -12°
Thu 29 Jan
Clouds
High -11°
Low -19°
Fri 30 Jan
Clouds
High -11°
Low -20°
Sat 31 Jan
Clouds
High 3°
Low -17°
Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Kuusamo?

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

Mortgage Calculator

Estimate your monthly payments for this property

€
%
€100,000
%
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.

Market Opinion

Our perspective on current market conditions in Kuusamo. 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.
65
Buyer Score
Estimated regional appreciation: 4% annually
Ultra-luxury properties tend to be more resilient during market downturns

Future Value & Wealth Building

Starting investment: $60,900,000 20% down ($12,180,000)

Investment Perspective
$ $ $
$1 → $1.36
Every dollar invested today could become $1.36 in 10 years
$100 → 136 $1,000 → $1,362
+$5,233
$5,233/day
Your home may appreciate while you sleep
$36,732/week $159,174/mo $1,910,090/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
RENT 💸 -$33.5M
vs
OWN 📈 +$47.5M
$47.5M Potential Equity
vs $33.5M lost to rent over 10 years
$12.2M Down Payment Growth
3.9x
10yr
$47.5M
8.1x
20yr
$98.4M
12.6x
30yr
$153.8M
Wealth Comparison
×366
Equivalent to 366 average US homes
top 5%
US household wealth ranking
Median: $193K Yours: $153.8M
Time to Double Your Investment (accounting for market cycles)
42.4
years
Conservative
1.65% effective/yr
15.3
years
Optimistic
4.62% effective/yr
Projected Home Values (adjusted for market cycles)
10 Years
Conservative $71.7M +18%
Market $82.9M +36%
Optimistic $95.7M +57%
$47.5M est. equity
20 Years
Conservative $84.5M +39%
Market $112.9M +85%
Optimistic $150.4M +147%
$98.4M est. equity
30 Years
Conservative $99.5M +63%
Market $153.8M +153%
Optimistic $236.3M +288%
$153.8M est. equity

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

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

Frequently Asked Questions

Common questions about this property

This house at Kalliolammentie 31, 93830 Kuusamo, Finland, Kuusamo, Finland features 4 bedrooms with 1,518 square feet of living space.
This property offers 1,518 square feet of living space.
This property is listed at $60,900,000, which equals $40119 per square foot.
Based on current market indicators, Kuusamo shows an active market. The market opportunity score is 65 out of 100, reflecting factors like price trends, inventory levels, and days on market.
This is a house located in Kuusamo, Kuusamo. The property is situated in an established neighborhood with convenient access to local amenities and services.
Antti Suhonen

Antti Suhonen

Kuuru LKV

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