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12 GREENDALE CLOSE SURF BEACH NSW 2536

ACREAGE FOR SALE

$2,400,000

Estimated Valuation

12 GREENDALE CLOSE SURF BEACH NSW 2536 Property Photo
Bedrooms

7

Bathrooms

4

Car Space

6

Land Size

1.01 m²

Year Built

-

Property Type

Acreage

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Added 6 hours ago
Listing Price

Auction

Auction
Listed By
Sian Silk-King Property - NOWRA
The Manor is an expansive acreage estate on over 2.5 acres, offering rare privacy just minutes from the Surf Beach coastline. With seven bedrooms, a separate studio, and massive entertaining facilities including a pool and games room, it offers immense versatility for large families or investors seeking rental income.

Description

Set on a massive 1.01-hectare (approx. 2.5-acre) parcel in Surf Beach, NSW, this substantial family estate is known as 'The Manor'. The property offers a unique blend of rural privacy and coastal convenience, situated just minutes from Batemans Bay. The main residence is a single-story structure featuring seven bedrooms across the main house and a separate two-bedroom studio annex. The interior design appears to be dated, characterized by traditional timber furniture, older kitchen cabinetry with granite-style benchtops, and carpeted living areas that suggest the property has not been recently modernized.

Key features of the main residence include a spacious open-plan kitchen, living, and dining area that flows out to an expansive covered alfresco entertaining zone. This outdoor space is equipped with a built-in barbecue, pizza oven, and gas fireplace, overlooking the pool and backyard. The home includes formal living and dining rooms, a separate rumpus/games room (visible as a games room in the photos), and a master suite with an ensuite containing a spa bath.

The property boasts significant infrastructure, including a triple garage, a separate three-bay shed with power, and a 28,000-litre water tank. The exterior features a built-in above-ground swimming pool with timber decking and a children's slide, along with mature landscaping and vegetable bays. Energy efficiency is addressed through 18 solar panels and a solar hot-water system. While the structure appears sound, the aesthetic style throughout is outdated, indicating potential for renovation or modernization.

Property Style & Condition

Overall
outdated
fair
Condition
Exterior
traditional
good
Condition
Livingroom
outdated
fair
Condition
Bedrooms
outdated
fair
Condition
Kitchen
standard
good
Condition
Bathroom
outdated
fair
Condition
Yard
landscaped
good
Condition

Key Features

1.01-hectare (approx. 2.5-acre) land holding
Seven bedrooms total (5 in main house, 2 in studio)
Four bathrooms
Separate two-bedroom studio with kitchenette and bathroom
Triple garage with electronic door
Separate three-bay shed with power
Built-in above-ground swimming pool with timber decking
Expansive covered alfresco entertaining area
Outdoor built-in BBQ and pizza oven
Combustion fireplace
18 solar panels and solar hot water heater
28,000-litre water tank
Games room/Rumpus room with pool table
Formal living and dining rooms
Walk-in pantry in main kitchen
Starlink NBN available
Security cameras
Vegetable bays with irrigation

Specifications

Property Details
Property Type Acreage
Stories 1
Parking Type attached garage, driveway
Construction brick,wood frame
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting rural
Lot Position interior lot
Views forest, valley
Beach Proximity short drive
Nearby Amenities
Near beach
Near highway
Near parks
Near trails
Near golf course
Near shopping
Near restaurants
Rental Information
long term rental only

Exterior

pool
deck
timber deck
alfresco
outdoor kitchen
bbq area
fire pit
fenced yard
privacy fence
rainwater tank
workshop
shed
water tank
driveway
security gate
solar panels
tankless water heater
off grid power

Indoor

open floor plan
fireplace
tile floors
carpet
walk in closet
kitchen island
granite countertops
dishwasher
pantry
walk in pantry
primary suite
ensuite bathroom
soaking tub
ceiling fan
recessed lighting
sliding glass doors
refrigerator
oven
double oven
dishwasher
heat pump
forced air
split system
ceiling fan
security cameras
single story
Listed on 02 Oct 2026

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    Property     SURF BEACH     LGA

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SURF BEACH Statistics

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Population

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Crimes Committed

-

Crime Rate

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Safety Rank

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Overall Crime

-

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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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Ownership structure & income splittingSole, joint (split income), company or trust?
A negatively geared property usually works best held by the higher earner; a positively geared one benefits from being split to the lower earner. This is general information only.
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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Your take-home profit over — yrs ?
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rent cash flow + capital gain − all costs & tax
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net rent + gain after CGT, selling costs & loan payout
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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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Calculating…
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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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