Sânbank 13, Workum

Sânbank 13, Workum

Workum

On navigable water · Open position · On a holiday park · Quiet road · Near the beach

€565,000

Asking Price

3

Bedrooms

116 m²

Living Area

Recreatie

Recreatiebestemming

Price
€565,000
Net yield
0.0%
ReportInquire
3-bedroom holiday home in Workum — photo 1 of 5
Makelaardij P.J. de Jong
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3-bedroom holiday home in Workum — photo 2 of 5
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3-bedroom holiday home in Workum — photo 3 of 5
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3-bedroom holiday home in Workum — photo 4 of 5
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3-bedroom holiday home in Workum — photo 5 of 5
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Sânbank 13, Workum

Workum · Frisian Lakes · Ref BF-21856Source · Makelaardij P.J. de Jong · listed 3 Jul 2026
Asking price
€565,000
Listed 120 days ago
Net yield
0.0%
Gross on asking
6.0%
Est. revenue / yr
€33,837
Want this analysis as an underwriting report (PDF)?

The page’s own figures, line by line · Every purchase cost and the all-in total · Occupancy and offer-price what-ifs · Netherlands ownership, tax and letting rules

Bedrooms
3
Built area
116 m²
Land
551 m²
Brixfox Score 57 · C+Koop (eigen grond)RecreatiebestemmingFinancial analysis ↓
Financials

What it earns, what it costs to own, and the net yield

Financial analysis
· Brixfox Standard · Non-resident · Fully managed
Fully managed is the Brixfox Standard shown on every card: a full-service manager's commission, charged on top of the Airbnb/Booking channel fees (not the cleaning cost — changeovers are funded by guest cleaning fees; you bear the residual). Self-managed drops the commission; the channel fees stay, because the platform is paid whoever manages, and you pay staff/local operations, a higher cleaning residual and your own time directly. Both scenarios divide the SAME gross revenue — the toggle changes the cost stack, not the revenue. That revenue is observed from actively-operated comps, so self-managed assumes you match their performance.Both scenarios share the same projected revenue — the toggle changes who runs the property and what that costs, not what it earns.
Net yieldNet operating income ÷ all-in investment. After local operating taxes; before home-country personal tax and financing costs. Modelled from observed market performance of comparable Airbnb listings.
0.0%
€-492 net operating income /yr
Gross yield · all-in basis
5.4%
−5.4 pts in operating costs & local taxes
Before tax in your home country and financing costs. Estimates, not financial advice.
Modelled from Airbnb listings we track across Workum — live calendar data.

Found on Airbnb

This exact vacation home, photo-verified at 95% confidence — its own track record, not a comp estimate

Verified

Its name, link and guest reviews are Pro evidence

32%booked
5.0rating
5reviews
$293asking / night

Pro evidence

Calendar-tracked performance

We track this exact listing's availability calendar daily. Over the recent 3-month window it was booked 32% of nights, and it asks $293/night. The occupancy is measured. The nightly rate is what the host asks — Airbnb does not publish what a night actually sold for, so no source anywhere has the earned rate. The projections below deliberately stay on the area's market median rather than this single window, so short-window peaks or gaps don't swing the underwriting — where they differ, treat this card as the listing's own track record and the model as the conservative base case.

Revenue assumptions

Derived from the comparable Airbnb listings below. The headline ADR is the expected BOOKED rate — nearby asking prices corrected by our measured, market-calibrated asking-to-booked factor. Occupancy is calibrated against tracked reference homes nearby. Comp cards below show raw asking prices.
Expected ADR
€197
Comp median nightly rate (asking prices, class-matched)
Expected occupancy
47%
Full-year estimate, market-calibrated
Projected annual revenue
€33,837
ADR × occupancy × 365
Rate basis: median of comparable Airbnbs near this home, +10% for the position on navigable water the listing states — measured against Dutch comps, not assumed.
Comp data observed in USD · converted at €0.88/$

Investment basis

The true all-in acquisition cost — asking price plus purchase costs, renovation and furnishing. Every yield on this page is computed against this total, not the asking price.
Adjust the figures to your deal — yields recalculate live.
Purchase price· asking
€
Acquisition costs· 8.5% of price, auto-calculated
€48,200
Overdrachtsbelasting (transfer tax)€45,200
Notary & Kadaster€1,800
Legal advice€1,200
Renovation budget· no measured Netherlands basis — enter your own quote
€
Furniture & STR launch
€
All-in investment
€628,200
+11.2% over asking
Fully managed scenarioSwitch the scenario with the toggle at the top of the financial analysis — it drives every figure in this section. Gross revenue is identical in both scenarios (the comps' observed performance); the Villa Scorecard and risk panels elsewhere on the page always quote the fully-managed Brixfox Standard.
Gross annual revenue
€33,837
Rental management
−€10,151
Booking channel fees
−€1,353
Cleaning & consumables
−€1,692
Park charge (parkbijdrage)
€/yr−€1,800
Utilities (energy, water, internet)
€/yr−€1,500
Property tax (OZB)
−€528
Maintenance reserve
−€4,520
Insurance
−€500
Box 3 wealth tax
−€12,285
Net operating income
−€492/yr
Net yield on all-in investment
0.0%

Rental turnover above €20,000 a year falls under 21% BTW — the lodging rate since 1 January 2026; camping pitches keep 9% — below it the kleineondernemersregeling (KOR) applies. Financing is not modelled: a mortgage lowers the Box 3 bill (debt at a 2.70% forfait) and adds interest.

This property does not break even: the costs above exceed its rental income by €492/yr. The yield is reported as 0% rather than a negative figure, which is what every listing card, map pin and comparison on the site shows.

Rental yield + value growth

Your net rental yield plus a yearly rise in the property's market value (land and building) that you choose. Value growth is an assumption, not data — which is why it starts at 0% and is kept out of the yield figures above.
Property value growth per year · your assumption0%
0%2.5% · Workum 5-yr avg — historical, not a forecast8%
Yield + value growth
0.0%/yr
0.0% net yield + 0% value growth
Value growth figures are illustrative only. Past regional price growth does not predict future performance; local supply, regulation and currency moves can materially change outcomes. Not financial advice.
Want this analysis as an underwriting report (PDF)?

The page’s own figures, line by line · Every purchase cost and the all-in total · Occupancy and offer-price what-ifs · Netherlands ownership, tax and letting rules

Evidence

Where it sits, and who confirms it

Comp table: Market evidence ↑ in Financials

Location

Approximate area

Workum · Frisian Lakes

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Verdict

Score, and what could go wrong

Same net-yield basis as the financial analysis

Brixfox Score

57C
Rental YieldWeak
0.0% net yield on all-in cost
LettingPending
Letting regime not stated
OccupancyAverage
47% average occupancy
Nightly RateAverage
€197 per night
Visual AppealStrong
8/10 visual appeal
Size & SpaceStrong
551 m² land area
ZoningStrong
Recreatiebestemming stated in the listing
TenureStrong
Koop on eigen grond
Stunning visuals (8/10) — commands premium nightly rates
Generous 551 m² land — room for expansion or amenities
Recreatiebestemming stated in the listing — zoned for holiday use. That is the zoning, not a letting permission: the park contract and the municipality decide whether the home may be let
Net yield of 0.0% (fully managed, on all-in cost) is below the market average — model your cashflow carefully
Occupancy at 47% — factor in seasonal gaps

Consider carefully.

Risk & what-if

TenureKoop (eigen grond)eigen grond · no lease decay
Payback58.5 yearsfrom net rent at the expected case
Before you buy

The park, the zoning and the tax the numbers rest on

Read from the listing, never a permit

The listing mentions holiday letting

Letting is referred to in the listing, but the text does not say under which regime — free independent letting or a park rental pool. Which of the two applies materially changes net yield, so treat it as the first question to the selling agent.

Annual charges stated in this listing

Park charge (parkkosten / parkbijdrage)€1,800/yr

The listing states about €1,800 per year for the park — typically security, waste, and upkeep of roads and greenery. This is the figure from the listing, not our estimate, and it is already deducted in the yield above.

Does not cover its running costs

On the revenue this property is modelled to earn and the annual charges deducted above, the costs exceed the rental income. The yield is shown as 0% rather than as a negative number — treat it as a cost to carry, not a return.

Permanent residence not permitted

Permanente bewoning niet toegestaan. This is a holiday-zoned home (recreatiebestemming): it may not be used as a year-round primary residence, and you cannot register at the address. That is normal for a Dutch recreatiewoning and says nothing about letting — the park contract and the municipality decide that. It also narrows the resale market to buyers who want exactly this.

Recreatiebestemming (recreatiewoning): permanent year-round residence is often not permitted — verify the municipality’s rules before buying.

The Netherlands has no national short-let register, so this is read from the listing — not a permit. Letting rules are set per municipality (and per park contract); confirm both with the gemeente and the seller before you buy. Guests pay toeristenbelasting per night wherever letting is allowed.

After-tax basis: net yield is on the all-in acquisition cost (asking price plus 8% overdrachtsbelasting, notary, legal and furnishing) and after Dutch Box 3 — a deemed return of 6.00% on the home's value, taxed at 36%, not a tax on the rent received. Park charges (the listing's figure where it states one, otherwise a market assumption you can edit in the P&L), utilities and a letting-agency share are deducted; the park charge is the figure this listing states rather than a market assumption. Financing lowers the Box 3 bill — debt counts against it at a 2.70% forfait — and is not modelled here. Rental turnover above €20,000 a year falls under 21% BTW — the lodging rate since 1 January 2026; camping pitches keep 9% — below it the KOR applies. Box-3 rules are under reform; confirm with a Dutch tax adviser.

Property details

Year built: 2001
Energy: a
Condition: excellent
View: water
Situation: On navigable water · Open position · On a holiday park · Quiet road
Beach: Near the beachListing: “Kortom: Een uitstekend onderhouden recreatievilla op een prachtige locatie nabij strand en vaarwater, met drie slaapkamers, twee badkamers, royale buitenruimtes en een eigen aanlegkade.”

Listing text from the makelaar, in Dutch

Sânbank 13 Deze luxe recreatievilla is gelegen op een royaal perceel van 551 m² eigen grond en biedt een unieke combinatie van comfort, ruimte en een prachtige ligging. De woning beschikt over drie slaapkamers, twee badkamers, directe ligging aan het IJsselmeer en een schitterend uitzicht over het park, het vaarwater en de omliggende landerijen. Op de dakterrassen geniet u van de rust en de frisse lucht, terwijl u binnen enkele minuten op het strand staat. Ook binnenshuis ontbreekt het niet aan comfort. De ruime woonkamer op de verdieping biedt dankzij de hoge ligging een prachtig uitzicht over de omgeving. De villa is daarmee niet alleen een heerlijke tweede woning, maar biedt tevens uitstekende mogelijkheden voor recreatieve verhuur. Indeling Bij binnenkomst betreedt u de hal, die is afgewerkt met een luxe marmervloer. Hier bevinden zich de meterkast en de trapopgang naar de verdieping. Vanuit de gang zijn drie slaapkamers, een separaat toilet, een gastenbadkamer en de bijkeuken/berging bereikbaar. De ruime ouderslaapkamer beschikt over een privé badkamer met whirlpool-bad, toilet en dubbele wastafel. Via een buitendeur heeft u vanuit de ouderslaapkamer direct toegang tot het terras. De gastenbadkamer is voorzien van een douchecabine en wastafel. In de praktische bijkeuken bevinden zich de witgoedaansluitingen, de CV-opstelling (2024) en extra bergruimte. Eenmaal op de verdieping komt u uit op de overloop, voorzien van bergkast en een toilet met fonteintje. Vanuit hier bereikt u de ruime woonkamer met ingebouwde desgin-gashaard voor de sfeerverwarming. Aan weerzijden van de woonkamer bevinden zich schuifpuien die toegang verlenen tot de beide dakterrassen. Aansluitend ligt de recent gerenoveerde keuken, voorzien van diverse inbouwapparatuur, waaronder een vaatwasser, koelkast, combimagnetron met oven en gaskookplaat met afzuigkap. Buiten De woning beschikt over een groot terras aan het vaarwater met een eigen aanlegkade van circa 25 meter. De kade bestaat uit drie rechte delen van respectievelijk twee keer 6 meter en één keer 12 meter. De walbeschoeiing is in 2021 vernieuwd. Rondom de woning ligt een verzorgde tuin die netjes is onderhouden. Aan de voorzijde van het perceel is voldoende ruimte aanwezig om twee auto's op eigen terrein te parkeren. Kortom: Een uitstekend onderhouden recreatievilla op een prachtige locatie nabij strand en vaarwater, met drie slaapkamers, twee badkamers, royale buitenruimtes en een eigen aanlegkade. De ideale plek om zelf te genieten van rust en ruimte, met daarnaast aantrekkelijke verhuurmogelijkheden. Bijzonderheden: - De woning wordt met gedeeltelijke inventaris aangeboden. - Parkkosten/ Vereniging van Eigenaren (inclusief zuiveringsheffing en huisvuilafvoer) € 1.800,-- per jaar. Locatie De Elfstedenstad Workum ligt in de Zuidwesthoek van Friesland en is één van de oudste stadjes van deze provincie. Workum heeft voor iedereen genoeg te bieden: van Jopie Huisman tot gezellige terrasjes en van gildebaren tot natuurwaarden. Je kunt genieten van de prachtige schilderijen van de oud ijzer- en lompenkoopman Jopie Huisman, maar er is ook museum waar je kennis maakt met de rijke historie van Workum. Een wandeling door het oude centrum is een attractie op zichzelf; de vele schitterende monumenten en geveltjes staan in rijen naast elkaar. Maar ook de natuur rondom het stadje is zeker de moeite waard. Je kunt prachtige natuurwandelingen en fietstochten maken langs de Friese IJsselmeerkust of door de kleine dorpjes en gehuchtjes in de omgeving. Workum ligt aan de provinciale weg N359 met goede verbindingen met plaatsen als Bolsward, Sneek en Leeuwarden maar ook de Randstad ligt op ongeveer 1 uur rijden. Bent je benieuwd of je de stap naar deze woning kunt zetten? Plan dan snel een bezichtiging in.

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Property Underwriting Report

PDF report · one-time purchase · this property

  • The page’s own figures, line by line
  • Every purchase cost and the all-in total
  • Occupancy and offer-price what-ifs
  • Netherlands ownership, tax and letting rules
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Modelled from live Airbnb calendar data around this property · operating costs per line, editable in the P&L · estimates, not financial advice.Data sources & methodology ›

ROI calculations use verified Brixfox Intelligence rental data. Operating costs are modelled per line — Airbnb/Booking channel fees whoever manages, then either a full-service management commission or the staff/local operations a self-managing owner buys back, cleaning residual, utilities & insurance, local taxes — with every rate editable in the Financial analysis P&L above. Gross revenue is identical in both management scenarios. Market factors in Netherlands may impact actual yields.