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16 FOURTEENTH STREET GAWLER SOUTH SA 5118

HOUSE FOR SALE

$975,000

Estimated Valuation

16 FOURTEENTH STREET GAWLER SOUTH SA 5118 Property Photo
Bedrooms

4

Bathrooms

2

Car Space

4

Land Size

780 m²

Year Built

1890

Property Type

House

COMPARE LISTINGS
Added 15 hours ago
Listing Price

$950,000 - $1,020,000

Listed By
Barker Real Estate - (RLA 358135)
Experience the enduring charm of a magnificent circa 1890 cottage on a substantial 780sqm corner allotment. This residence beautifully blends heritage features like solid timber floors and ornate cornices with modern versatility, offering four bedrooms, two bathrooms, and four undercover car spaces. Ideal for families seeking character, space, and potential.

Description

This magnificent circa 1890 symmetrical cottage in Gawler South offers a rare combination of heritage charm and substantial modern living space on an impressive 780sqm corner allotment. The exterior features a distinguished stone boundary wall with a feature iron gate, leading to a beautiful bullnose verandah with tiled flooring and intricate lacework detailing. The property includes four undercover car spaces, comprising a double garage/workshop and a front carport.

Inside, the home retains exceptional period features such as soaring ceilings, solid timber flooring, high skirtings, ornate cornices, ceiling roses, and statement chandeliers. An elegant entrance with decorative wall panelling and a feature leadlight door sets the tone. The living areas include an elegant formal lounge with a combustion fireplace and split-system air conditioning, as well as a spacious family room featuring herringbone-patterned flooring, skylight, and glass sliding doors opening to the verandah.

The property provides four generously proportioned bedrooms. The master suite features a fitted walk-in robe and a luxurious contemporary ensuite with floor-to-ceiling tiling, stone-topped vanity, and shower. Two other character-filled bedrooms retain original fireplaces and traditional dado detailing, while the fourth room serves as a study or bedroom with carpeting and built-in robes.

The main bathroom is a highlight, combining classic elegance with contemporary appointments including full-height tiling, plantation shutters, skylight, freestanding clawfoot bath, stone-topped vanity, and mirrored cabinetry. The well-equipped kitchen blends timeless charm with modern functionality, featuring pressed-metal splashback, stone benchtops, porcelain double-bowl farmhouse sink, gas cooktop, electric oven, and canopy rangehood.

Additional features include a separate toilet adjacent to the laundry, a bespoke-style laundry with built-in cabinetry and trough, and a versatile detached rumpus room with tiled flooring and split-system air conditioning. The expansive outdoor area includes a gabled timber entertaining verandah with concrete flooring and ceiling fan, an additional pergola framed by established vines, and established rear gardens with mature hedging and weeping wisteria.

Property Style & Condition

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

Key Features

4 Bedrooms
2 Bathrooms
Separate Toilet
Detached Rumpus Room
4 Undercover Car Spaces (Double Garage + Carport)
Circa 1890 Heritage Charm
780sqm Corner Allotment
Bullnose Verandah with Tiled Flooring
Solid Timber Flooring Throughout
High Ceilings and Ornate Cornices
Formal Lounge with Fireplace
Family Room with Skylight and Glass Doors
Luxurious Master Suite with WIR
Contemporary Ensuite with Floor-to-Ceiling Tiling
Freestanding Clawfoot Bath in Main Bathroom
Kitchen with Stone Benchtops and Farmhouse Sink
Detached Workshop
Solar Power
Rainwater Tank
Side Access to Backyard
Mature Landscaping

Specifications

Property Details
Property Type House
Architectural Style heritage,character
Stories 1
Parking Type attached garage, carport
Construction brick,stone
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position corner lot
Nearby Amenities
Near parks
Near shopping
Rental Information
long term rental only

Exterior

verandah
covered patio
pergola
fenced yard
privacy fence
mature landscaping
garden
rainwater tank
workshop
carport
side access
solar panels
tankless water heater
rainwater collection

Indoor

fireplace
hardwood floors
tile floors
walk in closet
laundry room
home office
primary suite
ensuite bathroom
soaking tub
dual vanity
rain shower
skylight
crown molding
ceiling fan
sliding glass doors
built in shelving
oven
gas range
washer
central
forced air
split system
gated entry
single story
Listed on 24 Sep 2026

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    Property     GAWLER SOUTH     LGA

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GAWLER SOUTH Statistics

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

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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.
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Calculating…Verdict ?
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rent cash flow + capital gain − all costs & tax
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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.

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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.

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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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