Hoenwaardseweg 15A

8051 SH Hattem
€ 735.000

What stands out

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

Key facts

Surface area
House 237 m² · Plot 1100 m²
Rooms
4 bedrooms, 2 bathrooms
Toilets
2 toilets
Construction year
1975
Energy label
C
House type
Vrijstaande woning
Garden Solar panels Air conditioning Floor heating Bathtub Parking: Own terrain (2 places)

Photos

Description

Bekijk Hoenwaardseweg 15 A in Hattem op Move.nl: 237 m² woonoppervlakte en 7 kamers.

Property details

Object type
House
Building type
Eengezinswoning
Construction type
Existing
Insulation
Dakisolatie, Muurisolatie, Vloerisolatie en gedeeltelijk dubbel glas
Insulation level
Partial
Heating
Cv ketel
Heating distribution
Floor
Boiler year
2023
Garden quality
Normaal
Maintenance inside
Goed
Maintenance outside
Goed
Home quality
Normaal
Erfpacht
No
WOZ value
€ 538.000 (2024) · Neighbourhood
Location tags
Quiet road, Rural, Open view

Suggested bid

Estimated value € 751.000
Neighbourhood average (2024)
€ 538.000
Index 2024 → 2026
×1.116
Indexed WOZ
€ 600.519
Markup +€ 150.481
House size correction
€ 150.481
44% confidence, 1 comparable
bid
ask estimate
600k 650k 700k 750k 800k 850k 900k
Your bid 650k – 698k
Bid reduced by 32k 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 € 697.500
Total required € 730.000
Bid amount
€ 697.500
Energy renovation (to label A)
€ 32.500
Own money € 500.000
Furniture, art & reserve
€ 50.000
Transfer tax (k.k., 2%)
€ 13.950
Mortgage advice
€ 2.000
Notary fees
€ 1.500
Valuation
€ 600
Bank guarantee
€ 500
Building inspection
€ 500
Land registry
€ 100
NHG guarantee fee
€ 1.201
Own money used for the house
€ 429.649
Need to borrow € 300.351
40% LTV; 106% for energy saving (32k financed).
Net monthly term € 1.486
30-year linear · 3.79%
Tax break € 297
Gross monthly payment
€ 1.783
Annual mortgage interest
€ 11.383
Eigenwoningforfait (0.35% × WOZ)
€ 1.883
Deductible interest
€ 9.500
Tax rate
37.48%
Annual tax benefit
€ 3.560
Monthly tax benefit
€ 297
Net monthly payment
€ 1.486
NHG 4.4y break-even
LTV
40%
Assumed discount
0.15%
NHG limit
€ 498.200
NHG fee
€ 1.201
Monthly interest saving (est.)
€ 23
Break-even
4.4 years
10-year net benefit (est.)
€ 1.559
Interest rate
3.79%
Extra monthly cost € 0
Erfpacht
€ 0
Total monthly cost € 1.486

Location

Address
Hoenwaardseweg 15A 8051 SH Hattem
Travel time to work
81 minutes

Why it scored 246

Strengths

Neighbourhood

Neighbourhood has low crime (0.00 reports per 1,000 residents) +80
Neighbourhood has a lot of green space (88.8%) +25
Neighbourhood has a lot of water (12.5%) +10

Size & layout

Living area is 237 m² +60
2 bathrooms +10

Building

House type is vrijstaande woning +50

Travel

16 minutes by car to Zwolle +50

Location

Located on a quiet road +40
Rural location +25
Open view +10

Price & market

Price per m² is €3101 +31

Ownership & costs

Freehold, no erfpacht +30

Environment

Very low PM2.5 (8.0 µg/m³) +25
Low NO2 (8.5 µg/m³) +10
No major road noise nearby +10

Outdoor & parking

Garden present +25

Condition

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

Energy

Solar panels present +20
Floor heating present +10

Deductions

Travel

81 minutes by car to work -100

Amenities

Nearest train station is 7.7 km away -50
Nearest supermarket is 2.1 km away -50
Nearest GP is 2.4 km away -25

Building

Built in 1975 (51 years old) -41

Energy

Energy label is C -25
Insulation is partially insulated -20
Heating system is CV ketel -10

Price & market

Price is 137% of the WOZ value -4