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178 GIPPS STREET DUBBO NSW 2830

HOUSE FOR SALE

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Estimated Valuation

178 GIPPS STREET DUBBO NSW 2830 Property Photo
Bedrooms

5

Bathrooms

3

Car Space

4

Land Size

1,275 m²

Year Built

1917

Property Type

House

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Added 15 hours ago
Listing Price

Price withheld

Listed By
Ray White - Dubbo
Thorverton is an exceptional heritage home in South Dubbo that perfectly balances historic charm with contemporary functionality. With 5 bedrooms, a detached studio, extensive entertaining areas including a plunge pool, and significant recent renovations (circa 2015), this property offers a grand lifestyle for families seeking privacy and character in a central location.

Description

Located in a prestigious, tree-lined street in South Dubbo, 'Thorverton' is a rare Federation-style residence built circa 1917. The property features a regal façade and wide timber verandahs that frame the entrance to this home of significant character. The interior design successfully blends heritage elegance with modern refinement, featuring gloss polished floorboards, soaring 3.3m ceilings, ornate timberwork, and pressed metal ceilings throughout.

The living areas are expansive, offering multiple zones for flexibility. A dedicated dining room includes a gas wood fireplace and built-in bench seating, while the large rear living area boasts glass walls, plantation shutters, and northeast aspect for natural light. The updated kitchen is equipped with quality Bosch appliances, a 900mm gas stove, soft-close cabinetry, and overlooks the landscaped gardens via picture windows.

Accommodation comprises five bedrooms, including a detached studio with its own ensuite and built-in robes, ideal for guests or privacy. The main bathroom features semi-ensuite access, while a second bathroom is conveniently combined with the laundry. The home is serviced by ducted underfloor gas heating and split system air conditioners in select rooms.

The outdoor living spaces are extensive and well-appointed, featuring a saltwater plunge pool with lighting, paved surrounds, and a retractable awning over the entertaining deck. Additional features include wide timber verandahs, established hedging for privacy, and a separate dining area on the deck. The property includes a double lock-up garage with automatic access and side street entry.

Property Style & Condition

Overall
traditional
good
Condition
Exterior
federation
good
Condition
Livingroom
standard
good
Condition
Bedrooms
contemporary
excellent
Condition
Kitchen
modern
excellent
Condition
Bathroom
contemporary
good
Condition
Yard
landscaped
excellent
Condition

Key Features

Federation style home circa 1917
Five bedrooms plus detached studio with ensuite
Saltwater plunge pool with retractable awning
Double lock-up garage with automatic door
Gloss polished floorboards throughout
Soaring 3.3m ceilings with pressed metal details
Updated kitchen with Bosch appliances and gas stove
Ducted underfloor gas heating and split system air conditioning
Wide timber verandahs
Established gardens and mature trees
Double brick construction with iron roof
Side street access
NBN FTTP connectivity

Specifications

Property Details
Property Type House
Architectural Style heritage,modern living
Stories 1
Parking Type attached garage, driveway
Construction brick
Windows double pane
Gas natural gas
Internet nbn,FTTP
Location & Setting
Setting suburban
Lot Position interior lot
Views park
Nearby Amenities
Near parks
Near trails
Near shopping
Near high school
Near primary school
Rental Information
long term rental only

Exterior

plunge pool
deck
timber deck
patio
covered patio
alfresco
verandah
outdoor kitchen
fenced yard
privacy fence
irrigation system
mature landscaping
garden
double carport
side access

Indoor

open floor plan
vaulted ceilings
cathedral ceilings
fireplace
hardwood floors
kitchen island
walk in closet
pantry
laundry room
ensuite bathroom
dual vanity
rain shower
crown molding
ceiling fan
french doors
sliding glass doors
built in shelving
oven
gas range
dishwasher
washer
central
split system
alarm system
single story
Listed on 25 Sep 2026

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    Property     DUBBO     LGA

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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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Your take-home profit over — yrs ?
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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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