A historic apartment in the heart of Culemborg
This ground-floor apartment on Havendijk 20 sits on a quiet road in the centre of Culemborg, a town with a rich history along the river Lek. The home dates from 1800 and carries an energy label A, which is an efficient label. With a price of €550,000, the asking price is on the high side compared with the average asking price in the neighbourhood. For context, the average asking price for apartments in Culemborg is €478,733, so this home sits well above that figure.
The home itself
According to the agent, this apartment has four rooms, three bedrooms and one bathroom spread over two floors, with a living area of 86 m². The BAG registration lists the living area as 90 m². The home is on the ground floor and has a rear garden of 44 m², facing west and accessible via the back alley. It is fully owned, with a monthly HOA fee of €137. The agent mentions roof insulation, double glazing and wall insulation, and the home is heated by a central heating boiler.
Life in the Binnenstad
Residents of the district of Culemborg Oost, which includes this neighbourhood, give their area an average score of 7.91, based on eight reviews. One resident says: "It's a nice neighbourhood. There are often fun activities or organisations run by the residents themselves, like Halloween trick-or-treating or neighbourhood parties." Another notes: "My neighbourhood is okay. It depends on where you go. The street where I live is nice... the contact with the neighbours is good." The reviews also mention that secondary schools are not the best, and that hygiene could be better in places. The neighbourhood has around 2,770 inhabitants, and 54% of households are single-person households. For more on the area, see the Binnenstad neighbourhood.
Amenities and transport
Daily errands are easy from here. The Albert Heijn is a ten-minute walk away, and the Jumbo is just around the corner. For primary education, CBS Koningin Beatrixschool is a couple of streets away, and kbs Josefschool is a ten-minute walk. The nearest GP is MC De Fonteijn, Huisartsenpraktijk Treumann en Westbroek, a ten-minute walk, with Apotheek de Fonteijn VOF nearby. For public transport, bus stop Schalkwijk, Pont is a ten-minute walk away, served by Flex line, and Culemborg, Zandstraat is a ten-minute walk with lines 41 and 46. The train station Culemborg is about 1.5 km away. The municipality of Culemborg offers a range of services and facilities, as described on the municipality of Culemborg.
WOZ value and address data
The WOZ value of this home is €694,000, based on the reference date 1 January 2025. The asking price of €550,000 is 21% below the WOZ value. Between 2020 and 2025, the WOZ value rose by 69%, from €410,000 to €694,000. As for the address, the noise level from road traffic is 52 dB Lden, which is above the noise standard, while railway noise is 52 dB Lden, which is not above the standard. The foundation risk indication is elevated, based on area-level data: the soil is clay, which is sensitive to settling, and 100% of properties in this postcode area were built before 1970. Pluvial flooding risk is elevated, while flood risk is low now and in 2050. These are area-level indications, not an inspection of this specific home.
Source and agent
At the time of writing, this home is offered via multiple channels, including PIM Wonen and other platforms.
This summary was generated with AI and may contain errors. Always verify the details with the provider.
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The WOZ value is set annually by the municipality with 1 January as its reference date, and therefore lags the market by about a year. It is an estimated market value, not a sale price.
Frequently asked questions
About Havendijk 20, Culemborg
How does the asking price compare to the WOZ value?
The asking price of €550,000 is 21% below the WOZ value of €694,000, which was set on 1 January 2025. This means the asking price is lower than the municipal valuation. The WOZ value is an official valuation used for tax purposes, not the current market value. The price per square metre, based on the agent's living area of 86 m², is €6,395.
What is the layout of this apartment?
According to the agent, this ground-floor apartment has four rooms, including three bedrooms and one bathroom, spread over two floors. The living area is listed as 86 m² by the agent, while the BAG registration states 90 m². The home has a rear garden of 44 m², facing west and accessible via the back alley. It is fully owned, with a monthly HOA fee of €137.
What is the energy label and what does it mean?
The energy label is A, which is an efficient label. This means the home is likely to have relatively low energy costs compared to less efficient labels. The agent also mentions roof insulation, double glazing and wall insulation. The home is heated by a central heating boiler. No further details on energy performance are provided in the listing.
What is the foundation risk for this address?
The foundation risk indication for this address is elevated, according to area-level data. The soil is clay, which is sensitive to settling, and 100% of properties in this postcode area were built before 1970. Additionally, 6% of properties in this neighbourhood have an elevated risk of pile rot, according to the Klimaateffectatlas. These are indications at area level, not an inspection of this specific home.
What are the flood and climate risks for this home?
The pluvial flooding risk (from heavy rain) is elevated, while the flood risk from rivers or the sea is low, both now and in 2050. Heat stress is low currently, but is expected to become medium by 2050. These are area-level indications based on public data, not an assessment of this specific property. The noise level from road traffic is 52 dB Lden, which is above the noise standard.
Which supermarkets are nearby?
The nearest supermarket is Albert Heijn, about 600 metres away, which is a ten-minute walk. The Jumbo is about 770 metres away, also a ten-minute walk. The Aldi is about 1.2 km away, and the PLUS is about 1.4 km away. There are eight supermarkets within 5 km, so you have plenty of options for daily groceries.
What schools are close to this home?
The nearest primary school is CBS Koningin Beatrixschool, about 285 metres away, which is a couple of streets away. Another primary school, kbs Josefschool, is about 678 metres away, a ten-minute walk. For secondary education, the nearest school is about 1.3 km away. There are 23 schools within 5 km, including special education options.
How is the public transport connection?
The nearest bus stop is Schalkwijk, Pont, about 577 metres away, served by the Flex line. Culemborg, Zandstraat is about 986 metres away, with bus lines 41 and 46. The train station Culemborg is about 1.5 km away, so you can reach other cities by rail. The bus lines serve local destinations, but no specific routes are listed.
What do residents say about the neighbourhood?
Residents of the district of Culemborg Oost, which includes this neighbourhood, give an average score of 7.91 out of 10, based on eight reviews. One resident says: "It's a nice neighbourhood. There are often fun activities or organisations run by the residents themselves." Another mentions: "The street where I live is nice... the contact with the neighbours is good." Some reviews note that secondary schools could be better.
How has the WOZ value developed over the past five years?
Between 2020 and 2025, the WOZ value of this home increased by 69%, from €410,000 to €694,000. The value rose steadily each year, with the largest jump between 2023 and 2024, from €546,000 to €643,000. This development reflects the general trend in the area, but the WOZ value is set by the municipality and may not match the current market value.
