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1 HAYWARD STREET MCCRACKEN SA 5211

HOUSE FOR SALE

$3,150,000

Estimated Valuation

1 HAYWARD STREET MCCRACKEN SA 5211 Property Photo
Bedrooms

3

Bathrooms

2

Car Space

2

Land Size

799 m²

Year Built

1967

Property Type

House

COMPARE LISTINGS
Added 13 hours ago
Listing Price

$3,200,000-$3,400,000

Listed By
Harris Real Estate - South Coast RLA 337539
Ling House is a rare architectural gem in the heart of McCracken, offering an unparalleled blend of mid-century modern design and luxury coastal living. This elevated residence guarantees breathtaking ocean panoramas from almost every room and provides a sophisticated, low-maintenance lifestyle for discerning buyers.

Description

This exceptional property is Ling House, a meticulously preserved example of mid-century modern architecture by renowned architect John S. Chappel, completed in 1967. Situated on an elevated corner allotment in the prestigious precinct of McCracken and Hayborough, the home commands sweeping panoramic views across the Fleurieu coastline towards Boomer Beach and The Bluff at Encounter Bay.

The residence is a masterclass in indoor-outdoor living, featuring floor-to-ceiling timber-framed windows that frame the coastal landscape. The interior showcases warm timber wall linings, exposed rafters extending beyond the building for shade, and whitewashed brick walls that contrast with the natural wood tones. The expansive open-plan living area centers around a gas fireplace and is complemented by lofty raked ceilings and indirect lighting.

The heart of the home is the beautifully appointed Miele kitchen, which boasts quality appointments, Carrara marble pendants, and an exceptional outlook along the coastline. The flooring throughout the main living areas consists of practical, low-maintenance floor tiles. A central courtyard, paved and accessible directly from the kitchen, offers a private outdoor sanctuary with Palm Springs-inspired plantings.

The accommodation includes three generous bedrooms, all capable of fitting king-size beds. The master bedroom is a private retreat featuring extensive built-in cabinetry with original timber louvre joinery, ocean views, and a concealed ensuite with a Caesarstone vanity, mirrored storage, and a large shower. Split-system air conditioning is installed in the living room and all bedrooms, ensuring year-round comfort.

Beneath the main residence lies a substantial games and bunk room, accessed via an external staircase, offering versatile space for a home office, gym, or guest accommodation. The exterior features sweeping easy-care lawns, coastal banksias, mature hydrangeas, and distinctive mid-century boulders. The property offers excellent off-street parking with a two-car garage and additional vehicle access from Hayward Street.

Property Style & Condition

Overall
modern
excellent
Condition
Exterior
mid century modern
excellent
Condition
Livingroom
modern
excellent
Condition
Bedrooms
modern
excellent
Condition
Kitchen
modern
excellent
Condition
Bathroom
contemporary
excellent
Condition
Yard
landscaped
excellent
Condition

Key Features

Mid-century modern architecture by John S. Chappel
Elevated corner location with panoramic ocean views
Floor-to-ceiling timber-framed windows
Lofty raked ceilings and exposed rafters
Miele kitchen with Carrara marble pendants
Gas fireplace in main living area
Three bedrooms including a master suite with ensuite
Extensive built-in cabinetry with original timber louvres
Substantial games/bunk room beneath the main residence
Central courtyard with Palm Springs-inspired plantings
Split-system air conditioning throughout
Two-car garage and additional parking
Easy-care lawns and mature landscaping
Low-maintenance tiled flooring

Specifications

Property Details
Property Type House
Architectural Style Mid-century modern,Architectural heritage,Coastal luxury
Stories 2
Parking Type attached garage, driveway
Construction brick,wood frame
Windows floor to ceiling
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position corner lot,waterfront lot
Views ocean panoramic
Waterfront oceanfront
Beach Proximity across the street
Nearby Amenities
Near beach
Near parks
Rental Information
short term rental allowed

Exterior

balcony
patio
covered patio
outdoor kitchen
bbq area
fenced yard
mature landscaping
garden
double carport
driveway

Indoor

open floor plan
vaulted ceilings
cathedral ceilings
fireplace
tile floors
kitchen island
stainless steel appliances
built in shelving
ensuite bathroom
walk in closet
ceiling fan
refrigerator
oven
dishwasher
heat pump
split system
fenced yard
double story
Listed on 02 Oct 2026

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    Property     MCCRACKEN     LGA

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MCCRACKEN Statistics

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Property Crime Chance 1 in X
State Average (Violent) 1 in 84

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  Investment Viability Engine · 2026 Tax Rules

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1 The Property

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2 Your Situation

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3 Costs & Assumptions

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Land tax (NSW)Annual holding cost on combined land value over the threshold.
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NSW 2026: nil up to $1,075,000 combined land value, then $100 + 1.6% of the excess, rising to $88,036 + 2% premium rate above $6,571,000. Computed land tax replaces the figure in section 3.
Cash buffer & risk capacityCould you survive vacancy, rate rises and repairs?
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Calculating…Verdict ?
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rent cash flow + capital gain − all costs & tax
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Comparing Common Investments ?
What this shows
Property value (grey bars, left axis) is the projected market value each year using your capital-growth assumption. The capital profit if sold line (coral, left axis) is the money you'd actually walk away with that year after repaying the loan, paying selling costs, paying CGT, and getting back the cash you put in. The rent collected line (teal, right axis) is gross annual rent received, grown at your rent-growth assumption.
What this shows
Three views of how the position evolves year by year. Property value (dashed) shows the asset growing at your capital-growth rate. Equity (coral) is value minus loan balance — how much of the property you actually own. Cumulative cash flow (teal) is the running total of all after-tax rent (positive) or top-ups (negative) you've put in since day one.
What this shows
The yearly cash position after every cost and tax effect. Green bars = positive years (the property paid you). Red bars = years you had to top it up from your pocket. This is the most honest picture of what holding the property feels like on a year-to-year basis.
What this shows
Where every dollar of the projected sale price goes. Net to you is what lands in your bank account; the rest is consumed by loan payout, selling costs and capital gains tax. The CGT slice depends on which regime applies (50% discount, indexation + 30% min tax, or a split of the two).

What this shows
How fragile your outcome is to the capital-growth assumption — the single biggest swing factor in any property forecast. Each point on the line re-runs the entire model at a different growth rate. Where the line crosses the dashed zero, that's roughly the growth rate needed just to break even over your hold period.

What this shows
The same upfront cash invested four different ways, held the same number of years. The property includes all rent, costs, tax and the final sale (after CGT and loan payout). The ASX 200 ETF compounds at its assumed total return; the gold line compounds at gold's long-run average; the inflation line is what you need to just preserve your purchasing power. Any year the property bleeds cash, that shortfall is invested in the comparison asset too (so they get the same total dollars over the life of the deal). Gains on the comparison assets are taxed under the same 2026-Budget CGT regime that applies to shares and ETFs — the transitional split (50% discount on the pre-1 Jul 2027 portion, then cost-base indexation + 30% minimum tax on the post-1 Jul 2027 portion), since non-property assets are never grandfathered.
What this shows
The full year-by-year ledger. Cash flow is pre-tax (rent minus all cash costs); tax effect is the value of any deduction or the tax bill on net profit; after-tax is the actual dollars in or out of your account that year. Cumulative is the running total.

About this model

Reflects the 2026 Federal Budget proposals (announced 12 May 2026): from 1 July 2027, negative gearing on established residential property bought after 7:30pm 12 May 2026 can only offset rental income / residential property gains (excess losses carry forward), and the 50% CGT discount is replaced by cost-base indexation plus a 30% minimum tax on the real gain accruing after 1 July 2027. The CGT change applies to all CGT assets (shares, ETFs, gold, crypto), not just property, so the comparison assets are taxed on the same basis. New builds retain full negative gearing and the choice of the 50% discount. Properties contracted on/before 12 May 2026 are grandfathered. The main residence, superannuation funds and widely-held trusts are exempt. These are proposed rules that may change in legislation. Resident tax rates 2025–26 are used (incl. 2% Medicare levy). This is general information, not financial, tax or legal advice — consult a licensed adviser before acting.
Purchase Cost Calculator

The True Cost of Buying this Property

Beyond the sale price, Australian property buyers face stamp duty, legal fees, inspections, loan charges and more. Adjust the purchase price and your state to see the full picture.

Purchase Price
$850,000
AUD
$100K $5M
Property State
Your Situation
Total Additional Costs
On top of the $850,000 purchase price in NSW
Extra Costs
$52,000
All-In Cost
$902,000
% of Price
6.1%
How these figures are calculated

Stamp Duty (Transfer Duty): Calculated using each state's 2024–25 residential transfer duty brackets for owner-occupiers. First home buyer concessions and investor surcharges are applied where selected.

Lenders Mortgage Insurance (LMI): Estimated at approximately 1.5–2.5% of the loan amount, assuming an 85% LVR. Actual LMI depends on your lender, LVR and loan size.

Conveyancing / Legal Fees: Typical range of $1,500–$3,000 covering contract review, searches and settlement. We use a mid-range estimate.

Building & Pest Inspection: Typically $400–$800 combined for a standard residential property.

Loan Application & Mortgage Registration: Includes bank application fees ($300–$600), mortgage registration (state-based, usually $150–$230) and transfer registration fees.

Council & Water Rate Adjustments: Estimated at around 0.1% of the purchase price — the buyer typically reimburses the seller for pre-paid rates.

These estimates are indicative only. Always confirm exact figures with your conveyancer, broker and the relevant state revenue office before committing to a purchase.

Mortgage Calculator

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Buyer Fees Calculator

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Disclaimer: This calculator provides estimates only based on standard published rates for 2025-26. Actual stamp duty may vary based on individual circumstances, concession eligibility, and contract dates. LMI is a rough estimate only — actual premiums vary by lender, LVR, and loan size. Always verify with your state’s revenue office and seek professional advice before purchasing.

Mortgage Affordability & Borrowing Capacity Calculator

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Disclaimer: This calculator provides an estimate only and does not constitute a quote or loan approval. Calculations are based on standard APRA guidelines (including a 3.0% interest rate assessment buffer) and 2025–26 Australian resident tax rates. Lenders may apply their own specific Household Expenditure Measure (HEM) rules, risk margins, and varying credit card assessment rates (typically 3.8% of the limit). Rental income is shaded to 80%. Always speak to a licensed mortgage broker or lender for an exact assessment.

Refinance Savings Calculator

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Disclaimer: This calculator provides estimates only. It assumes interest rates remain constant for the life of the loan and does not account for offset accounts or extra repayments. Refinance costs vary by lender and state (typically including a discharge fee, application fee, and government mortgage registration fees). If your loan balance is above 80% of your property's value, you may also be required to pay Lenders Mortgage Insurance (LMI) when refinancing. Always seek professional financial advice.

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