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14A SIDNEY STREET NORTH TOOWOOMBA QLD 4350

HOUSE FOR SALE

$1,650,000

Estimated Valuation

14A SIDNEY STREET NORTH TOOWOOMBA QLD 4350 Property Photo
Bedrooms

4

Bathrooms

3

Car Space

2

Land Size

541 m²

Year Built

2024

Property Type

House

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Added 12 hours ago
Listing Price

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Listed By
McGrath Toowoomba - TOOWOOMBA CITY
A stunning custom-built 2024 residence in North Toowoomba that perfectly balances luxury with functionality. Featuring polished concrete floors, high-end finishes, and a spacious open-plan layout on a generous 541sqm block, this home is ideal for buyers seeking a turnkey property near the CBD.

Description

Positioned within a quiet cul-de-sac just minutes from the Toowoomba CBD, this exceptional custom-designed and custom-built residence seamlessly blends contemporary architecture with refined craftsmanship and an enviable inner-city lifestyle. Built in 2024, our clients left no expense spared when creating what was initially there forever home.

Thoughtfully designed from the ground up, every element of the home has been carefully considered to create a residence of outstanding quality, functionality and timeless appeal. Showcasing premium finishes throughout, generous proportions and a sophisticated aesthetic, the home offers an exceptional standard of living where luxury and practicality come together effortlessly.

From the moment you step inside, the home is defined by high ceilings, abundant natural light and polished concrete floors across the ground level. The open-plan living and dining area creates a central space for everyday living, flowing seamlessly through to the outdoor entertaining area.

The contemporary kitchen is both stylish and practical, featuring stone benchtops, Westinghouse appliances and a well-appointed butler's pantry. A dedicated study on the ground floor provides a quiet space for working from home, while the three bathrooms offer convenience across both levels.

Upstairs, a separate retreat provides additional living space, complemented by four bedrooms and the comfort of ducted air conditioning throughout. The main bedroom enjoys its own Juliette balcony, allowing natural light and fresh air to flow through the space.

Set on 541sqm*, the property offers a low-maintenance modern lifestyle within easy reach of the best of inner Toowoomba. With cafés and Queens Park within walking distance and the CBD only around five minutes away, everyday convenience is right at your doorstep.

• High-End Custom Modern two-storey residence
• Four bedrooms and three bathrooms
• Double car accommodation
• High ceilings throughout
• Polished concrete floors to ground level
• Open-plan living and dining
• Contemporary kitchen with stone benchtops
• Westinghouse appliances
• Butler's pantry
• Dedicated study
• Upstairs living retreat
• Ducted air conditioning
• Main bedroom with Juliette balcony
• Abundant natural light
• Outdoor entertaining area
• Quiet cul-de-sac location
• Walking distance to East Side cafés and Queens Park

Property Style & Condition

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

Key Features

Custom-designed and custom-built residence
Built in 2024
Quiet cul-de-sac location
Minutes from Toowoomba CBD
High ceilings throughout
Polished concrete floors to ground level
Open-plan living and dining area
Contemporary kitchen with stone benchtops
Westinghouse appliances
Butler''s pantry
Dedicated study on ground floor
Four bedrooms
Three bathrooms
Upstairs living retreat
Ducted air conditioning
Main bedroom with Juliette balcony
Outdoor entertaining area
Double car accommodation
Abundant natural light
Walking distance to East Side cafés and Queens Park

Specifications

Property Details
Property Type House
Stories 2
Parking Type attached garage
Construction brick
Windows double pane,floor to ceiling
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position cul de sac
Views sunset, park
Nearby Amenities
Near downtown
Near parks
Near restaurants
Near highway
Near bus stop
Rental Information
long term rental only

Exterior

patio
covered patio
balcony
fenced yard
privacy fence
mature landscaping
garden
driveway

Indoor

open floor plan
vaulted ceilings
tile floors
kitchen island
quartz countertops
pantry
walk in pantry
home office
primary suite
ensuite bathroom
soaking tub
dual vanity
rain shower
recessed lighting
sliding glass doors
built in shelving
refrigerator
oven
dishwasher
central
central ac
double story
Listed on 06 Sep 2026

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    Property     NORTH TOOWOOMBA     LGA

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NORTH TOOWOOMBA Statistics

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Property Price History

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Market Activity (Sales Volume)

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High Owner Occupier % and Family Household %.

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Crime in suburb of North Toowoomba QLD

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Safety Rank

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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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The True Cost of Buying this Property

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Investment Calculator

  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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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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