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112 VERMONT ROAD SMYTHESDALE VIC 3351

ACREAGE FOR SALE

$840,000

Estimated Valuation

112 VERMONT ROAD SMYTHESDALE VIC 3351 Property Photo
Bedrooms

4

Bathrooms

1

Car Space

6

Land Size

2.01 m²

Year Built

-

Property Type

Acreage

COMPARE LISTINGS
Added 15 hours ago
Listing Price

$800,000 - $865,000

Listed By
Ray White - Ballarat
An exceptional ranch-style home on five acres featuring an updated interior, massive vehicle sheds, and expansive countryside views. Ideal for buyers seeking privacy, space, and rural convenience within walking distance of town.

Description

This ranch-style property sits on an approximately five-acre allotment, offering a blend of rural privacy and convenient access to the town of Smythesdale. The residence has been thoughtfully updated to provide a modern country living experience without sacrificing character. Upon entry, you are greeted by a full-length front verandah and a spacious circular driveway suitable for parking multiple vehicles. The interior is dominated by an expansive open-plan kitchen, dining, and living area featuring stone benchtops, a large island bench with seating, and a functional wood stove that adds warmth and charm. The main living zone connects seamlessly to the rear of the home, which opens onto a massive undercover entertaining deck offering panoramic views of the surrounding bushland and countryside.

A second distinct living area features exposed timber beam ceilings, a feature fireplace, and carpeted flooring, providing a cozy atmosphere separate from the main kitchen. The home includes four spacious bedrooms; the master suite is highlighted by a renovated ensuite featuring underfloor heating, a walk-in rain shower with an integrated seat, and a freestanding bathtub. Additional bedrooms offer built-in robes and views of the grounds. A dedicated study nook adds flexibility for work-from-home needs.

The property's standout feature is its substantial infrastructure, including a massive 18.2m x 8m shed with concrete flooring, three-phase power, and capacity for up to six vehicles, alongside a secondary shed and other undercover structures. The grounds are immaculately maintained with established gardens, a full dam, new fencing, and an automated sprinkler system. Utilities include town water, mains power, bottled gas, and a 5kW solar system to assist with energy costs. This property is ideal for those seeking land, significant storage, and a low-maintenance lifestyle.

Property Style & Condition

Overall
contemporary
excellent
Condition
Exterior
farmhouse
excellent
Condition
Livingroom
contemporary
excellent
Condition
Bedrooms
standard
excellent
Condition
Kitchen
contemporary
excellent
Condition
Bathroom
contemporary
excellent
Condition
Yard
landscaped
excellent
Condition

Key Features

Five-acre allotment
Ranch-style design
Undercover rear entertaining deck
Updated kitchen with stone benchtops
Wood-burning stove
Second living room with exposed timber beams
Four bedrooms
Master bedroom with ensuite
Renovated bathroom with underfloor heating and freestanding bath
Dedicated study nook
18.2m x 8m shed with three-phase power
Secondary 9.7m x 6.2m shed
Full dam
5kW solar power system
Circular driveway for multiple vehicles
New fencing
Air conditioning (split systems)
Town water and mains power

Specifications

Property Details
Property Type Acreage
Architectural Style ranch,country
Stories 1
Parking Type driveway, shed
Construction wood frame
Windows double pane
Gas lpg gas
Internet nbn
Location & Setting
Setting rural
Lot Position interior lot
Views sunset, valley, forest
Nearby Amenities
Near trails
Near parks
Rental Information
no rentals allowed

Exterior

deck
timber deck
patio
covered patio
alfresco
verandah
fenced yard
privacy fence
irrigation system
garden
water tank
shed
driveway
circular driveway
solar panels

Indoor

open floor plan
vaulted ceilings
cathedral ceilings
fireplace
tile floors
carpet
kitchen island
granite countertops
quartz countertops
stainless steel appliances
pantry
walk in pantry
laundry room
home office
ensuite bathroom
soaking tub
dual vanity
rain shower
built in shelving
heated floors
ceiling fan
recessed lighting
sliding glass doors
refrigerator
oven
gas range
microwave
dishwasher
washer
dryer
heat pump
radiant
split system
storm shelter
single story
Listed on 28 Aug 2026

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    Property     SMYTHESDALE     LGA

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SMYTHESDALE Statistics

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Crime in suburb of Smythesdale VIC

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Crimes Committed

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Crime Rate

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Safety Rank

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Overall Crime

-

5-Year Crime Trend (2020 - 2024)

Crime Composition (2024)

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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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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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