It is actually single phase. How new/well insulated is the complex?
1965 give or take a year or two.
Probably not insulated nearly as well as it would be if constructed today.
Cove heaters in most apartments, those that aren't will be converted eventually as original boiler systems have been failing but there is only maybe 3 or 4 at the most that haven't been converted to electric heat. Admin building still has gas boiler right now.
They all still do have gas water heater in each building.
Looked at what heaters I have sold them - each apartment only has about 4650 watts of heat. That puts us at about 260 amps if they all would be running at one time and is balanced across all three phases. Regardless of what NEC says for the rest of the load - this place is mostly older retired people with little money, there isn't room to have a lot of things most just don't have much for load and I would bet you seldom would ever see more than 15 kVA being drawn (outside of the heating) from all 20 apartments. Not sure what sizes are but they are only one bedroom, a bath room and living/kitchen are sort of in one room.