Kerkwetering 21

3421 TS Oudewater
€ 895.000

What stands out

travel outdoor & parking condition energy location ownership & costs size & layout building price & market
environment amenities neighbourhood

Key facts

Surface area
House 205 m² · Plot 283 m²
Rooms
4 bedrooms, 2 bathrooms
Toilets
2 toilets
Construction year
2004
Energy label
A+
House type
2-onder-1-kapwoning
Garden facing north-east Solar panels Heat pump Air conditioning Floor heating Shed Parking: Ev charging (3 places)

Photos

Description

Bekijk Kerkwetering 21 in Oudewater op Move.nl: 205 m² woonoppervlakte en 7 kamers.

Property details

Object type
House
Building type
Eengezinswoning
Construction type
Existing
Insulation
Volledig geïsoleerd; Geen isolatie
Insulation level
None
Heating
Warmtepomp
Heating distribution
Floor
Garden quality
Verzorgd
Maintenance inside
Goed
Maintenance outside
Goed
Home quality
Normaal
Erfpacht
No
WOZ value
€ 762.000 (2025) · Listing
Location tags
Water, Open view

Suggested bid

Estimated value € 826.000
Listing WOZ (2025)
€ 762.000
Index 2025 → 2026
×1.084
Indexed WOZ
€ 825.862
74% confidence, no comparables
bid
ask estimate
750k 775k 800k 825k 850k 875k 900k
Your bid 840k – 885k
Suggested bid is not based on WOZ history and may be inaccurate.

Mortgage

Your bid € 885.000
Total required € 885.000
Bid amount
€ 885.000
Own money € 500.000
Furniture, art & reserve
€ 50.000
Transfer tax (k.k., 2%)
€ 17.700
Mortgage advice
€ 2.000
Notary fees
€ 1.500
Valuation
€ 600
Bank guarantee
€ 500
Building inspection
€ 500
Land registry
€ 100
NHG guarantee fee
€ 1.839
Own money used for the house
€ 425.261
Need to borrow € 459.739
56% LTV.
Net monthly term € 2.268
30-year linear · 3.79%
Tax break € 461
Gross monthly payment
€ 2.729
Annual mortgage interest
€ 17.424
Eigenwoningforfait (0.35% × WOZ)
€ 2.667
Deductible interest
€ 14.757
Tax rate
37.48%
Annual tax benefit
€ 5.530
Monthly tax benefit
€ 461
Net monthly payment
€ 2.268
NHG 4.3y break-even
LTV
55%
Assumed discount
0.15%
NHG limit
€ 470.000
NHG fee
€ 1.839
Monthly interest saving (est.)
€ 36
Break-even
4.3 years
10-year net benefit (est.)
€ 2.481
Interest rate
3.79%
Extra monthly cost € 0
Erfpacht
€ 0
Total monthly cost € 2.268

Location

Address
Kerkwetering 21 3421 TS Oudewater
Travel time to work
29 minutes

Why it scored 326

Strengths

Travel

29 minutes by car to work +200
38 minutes by car to Rotterdam +10

Size & layout

Living area is 205 m² +60
2 bathrooms +10

Outdoor & parking

Parking includes a garage +50
Garden present +25
Shed present +25
Garden quality is well maintained +15

Ownership & costs

Freehold, no erfpacht +30

Energy

Energy label is A+ +25
Heating system is heat pump +20
Solar panels present +20
Floor heating present +10

Building

House type is 2-onder-1-kapwoning +25

Location

Located near water +25
Open view +10

Condition

Inside maintenance is good +25
Outside maintenance is good +25

Price & market

Price is 117% of the WOZ value +13

Environment

Low PM2.5 (9.2 µg/m³) +10
No major road noise nearby +10

Deductions

Neighbourhood

Neighbourhood has high crime (100.00 reports per 1,000 residents) -80
Neighbourhood has little green space (0.0%) -10

Amenities

Nearest train station is 9.2 km away -50

Environment

Neighbourhood has many households with children (55.6%) -50
Elevated NO2 (13.5 µg/m³) -10

Size & layout

No bathtub -50

Energy

Insulation is not insulated -40

Building

Built in 2004 (22 years old) -12

Outdoor & parking

Garden faces north-east -10

Price & market

Price per m² is €4366 -5