Achterstraat 27a

4586 AG Lamswaarde
€ 745.000

What stands out

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

Key facts

Surface area
House 350 m² · Plot 730 m²
Rooms
5 bedrooms, 2 bathrooms
Construction year
1925
Energy label
B
House type
Geschakelde woning
Garden facing north Solar panels Bathtub Shed Monument Parking: Carport (2 places)

Photos

Description

Bekijk Achterstraat 27 a in Lamswaarde op Move.nl: 350 m² woonoppervlakte en 7 kamers.

Property details

Object type
House
Building type
Villa
Construction type
Existing
Insulation
Dakisolatie, Muurisolatie, Vloerisolatie en voorzetramen
Insulation level
Partial
Heating
Cv ketel
Heating distribution
Direct
Boiler year
2018
Garden quality
Verzorgd
Maintenance inside
Goed
Maintenance outside
Goed
Home quality
Luxe
Erfpacht
No
WOZ value
€ 287.000 (2024) · Neighbourhood
Location tags
Quiet road, Open view

Suggested bid

Estimated value € 454.000
Neighbourhood average (2024)
€ 287.000
Index 2024 → 2026
×1.265
Indexed WOZ
€ 363.196
Markup +€ 90.804
House size correction
€ 90.804
44% confidence, no comparables
bid
ask estimate
350k 400k 450k 500k 550k 600k 650k 700k 750k
Your bid 470k – 500k
Bid reduced by 20k for the energy renovation.
Bid is inaccurate because it is derived from the neighbourhood WOZ. A better estimate will be available soon.

Mortgage

Your bid € 500.000
Total required € 520.000
Bid amount
€ 500.000
Energy renovation (to label A)
€ 20.000
Own money € 500.000
Furniture, art & reserve
€ 50.000
Transfer tax (k.k., 2%)
€ 10.000
Mortgage advice
€ 2.000
Notary fees
€ 1.500
Valuation
€ 600
Bank guarantee
€ 500
Building inspection
€ 500
Land registry
€ 100
NHG guarantee fee
€ 342
Own money used for the house
€ 434.458
Need to borrow € 85.542
19% LTV; 106% for energy saving (20k financed).
Net monthly term € 438
30-year linear · 3.79%
Tax break € 70
Gross monthly payment
€ 508
Annual mortgage interest
€ 3.242
Eigenwoningforfait (0.35% × WOZ)
€ 1.005
Deductible interest
€ 2.238
Tax rate
37.48%
Annual tax benefit
€ 838
Monthly tax benefit
€ 70
Net monthly payment
€ 438
NHG 4.1y break-even
LTV
19%
Assumed discount
0.15%
NHG limit
€ 498.200
NHG fee
€ 342
Monthly interest saving (est.)
€ 7
Break-even
4.1 years
10-year net benefit (est.)
€ 498
Interest rate
3.79%
Extra monthly cost € 0
Erfpacht
€ 0
Total monthly cost € 438

Location

Address
Achterstraat 27a 4586 AG Lamswaarde
Travel time to work
152 minutes

Why it scored -358

Strengths

Neighbourhood

Neighbourhood has low crime (6.25 reports per 1,000 residents) +80

Size & layout

Living area is 350 m² +60
2 bathrooms +10
5 bedrooms +10

Condition

Home quality is luxury +50
Inside maintenance is good +25
Outside maintenance is good +25

Location

Located on a quiet road +40
Open view +10

Price & market

Price per m² is €2129 +39

Ownership & costs

Freehold, no erfpacht +30

Environment

Very low PM2.5 (8.3 µg/m³) +25
Low NO2 (11.3 µg/m³) +10
No major road noise nearby +10

Outdoor & parking

Garden present +25
Shed present +25
Garden quality is well maintained +15

Energy

Solar panels present +20

Building

House type is geschakelde woning +10

Deductions

Travel

152 minutes by car to work -400
109 minutes by car to Breda -100

Building

Built in 1925 (101 years old) -91

Amenities

Nearest train station is 46.1 km away -50
Nearest supermarket is 5.4 km away -50
Nearest GP is 5.2 km away -25

Price & market

Price is 260% of the WOZ value -36

Neighbourhood

Leefbaarometer class is Ruim voldoende (6/9) -25
Neighbourhood has little green space (0.0%) -10

Condition

Monumental property with restrictions -25

Energy

Heating relies on direct heaters such as wood or gas stoves -25
Insulation is partially insulated -20
Heating system is CV ketel -10

Outdoor & parking

Garden faces north -10