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178 PENINSULA DRIVE BILAMBIL HEIGHTS NSW 2486

HOUSE FOR SALE

$1,500,000

Estimated Valuation

178 PENINSULA DRIVE BILAMBIL HEIGHTS NSW 2486 Property Photo
Bedrooms

4

Bathrooms

3

Car Space

3

Land Size

-

Year Built

1980

Property Type

House

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Added 15 hours ago
Listing Price

Expressions of Interest

Listed By
RBR Property Consultants - COOLANGATTA
A versatile split-level home offering dual-living potential and direct access to water activities via the nearby Oyster Track. This property stands out for its spectacular views, massive parking capacity including boat storage, and established gardens on a sloping block.

Description

This architecturally designed home at 178 Peninsula Drive in Bilambil Heights is positioned on a sloping block with sweeping views of the river and ocean. Built in 1980, the residence features a split-level layout that maximizes the terrain and vistas. The upper level includes a spacious open-plan living area characterized by high vaulted ceilings, timber linings, and a fireplace, flowing into a large kitchen with an island bench and gas stovetop. This level also houses the master suite with water views and built-in robes, alongside two additional bedrooms served by a main bathroom.

Downstairs offers excellent versatility with dual-living potential, featuring a separate open living area, a large bedroom with deck access, and its own bathroom. The property is heavily focused on outdoor lifestyle, boasting extensive decking, established gardens, and exceptional parking including a double garage with automatic doors, a carport suitable for a boat or jet ski, and space for a caravan.

While the interior style leans towards an outdated aesthetic with heavy timber features and older fixtures visible in the photos, the condition appears fair to good given the inclusion of a new air conditioner, dishwasher, and solar system. The home requires some cosmetic updates but offers solid structural bones and significant lifestyle potential for water enthusiasts.

Property Style & Condition

Overall
outdated
fair
Condition
Exterior
contemporary
good
Condition
Livingroom
standard
good
Condition
Bedrooms
standard
fair
Condition
Kitchen
outdated
good
Condition
Bathroom
contemporary
good
Condition
Yard
sloped
good
Condition

Key Features

Spectacular river and ocean views
Split-level design with dual-living potential
High vaulted ceilings with timber linings
Large kitchen with island bench and gas stovetop
Master bedroom with balcony access and ensuite
Double garage with automatic door and carport for boat/jet ski
Kayak rack with direct access to Oyster Track
Established gardens and grassed areas
4kW solar system
Separate downstairs living area and bedroom
3 x 890 litre water tanks

Specifications

Property Details
Property Type House
Stories 2
Parking Type attached garage, carport
Construction wood frame
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position corner lot
Views river, ocean panoramic
Waterfront riverfront
Beach Proximity short drive
Nearby Amenities
Near parks
Near shopping
Near supermarket
Rental Information
long term rental only

Exterior

deck
timber deck
patio
garden
rainwater tank
shed
carport
double carport
water tank
driveway
solar panels
rainwater collection

Indoor

open floor plan
vaulted ceilings
cathedral ceilings
fireplace
kitchen island
walk in closet
ensuite bathroom
ceiling fan
sliding glass doors
built in shelving
dishwasher
gas range
heat pump
split system
ceiling fan
single story
Listed on 02 Oct 2026

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    Property     BILAMBIL HEIGHTS     LGA

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BILAMBIL HEIGHTS Statistics

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Crime in suburb of Bilambil Heights NSW

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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)

Violent vs Property vs Other

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Victimization Probability

Violent Crime Chance 1 in X
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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Interest on the borrowed deposit is also tax-deductible and is added to your gearing position. Your true out-of-pocket cash is reduced by whatever portion you borrow.
Borrowing capacity & serviceabilityCan you actually get the loan? Lender stress test.
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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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net rent + unrealised equity gain (no sale, no CGT yet)
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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.

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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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