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2 12 SWINBOURNE LANE MAROOCHYDORE QLD 4558

DUPLEX FOR SALE

$4,250,000

Estimated Valuation

2 12 SWINBOURNE LANE MAROOCHYDORE QLD 4558 Property Photo
Bedrooms

4

Bathrooms

3

Car Space

2

Land Size

300 m²

Year Built

2022

Property Type

Duplex

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Added 9 hours ago
Listing Price

Auction

Auction
Listed By
Ray White - Maroochydore
This stunning 2022-built duplex offers an exceptional blend of modern luxury and low-maintenance waterfront living with direct canal frontage. Featuring soaring ceilings, a massive master suite, and seamless indoor-outdoor flow to a pool and river access, it is the ideal choice for those seeking a hassle-free lifestyle in one of Maroochydore's most sought-after pockets.

Description

This property, located at 2/12 Swinbourne Lane in Maroochydore, is a contemporary duplex situated on 13m of direct canal frontage. Built in 2022 by DCM and Roonsleigh Construction, the home spans approximately 280m² of living space. The interior features an expansive open-plan kitchen, living, and dining area with soaring ceilings that flood the room with natural light. Key interior highlights include a large kitchen island with a servery window opening to an outdoor BBQ, dual shower heads in wet areas, a huge linen cupboard, and extensive under-stair storage.

The master suite is located upstairs, offering a spacious bedroom, enormous wardrobe, and ensuited bathroom. A separate second living area provides additional privacy for guests or family. The home includes three fully tiled bathrooms with a luxury hotel finish. The property features 13m of waterfrontage, allowing direct access to the Maroochy River via side launch access for kayaks and canoes. Outside, the backyard features a swimming pool, landscaped surrounds, artificial grass (astroturf) for low maintenance, and a covered entertaining area.

Technical specifications include ducting air-conditioning, three-phase power, Cat6 cabling, a 22kW fast EV charger in the garage, and solar panels on the roof. The home is positioned in a quiet one-way street yet remains convenient to Maroochydore CBD and motorway connections.

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

13m direct canal frontage
Swimming pool with sitting ledge
Side access for kayaks/canoes
Built in 2022
Approximately 280m² living area
Soaring ceilings and open plan design
Master suite with enormous wardrobe
Huge linen cupboard
Three-phase power
22kW fast EV charger
Cat6 cabling throughout
Solar panels fitted to roof
Ducted air-conditioning
Artificial grass (astroturf)
Cleverly designed bathroom (Jack-and-Jill access)
Second living/lounge upstairs
Covered entertaining area
Large roll-down sun blind
Open plan kitchen with servery window

Specifications

Property Details
Property Type Duplex
Architectural Style Contemporary,Waterfront Luxury
Stories 2
Parking Type attached garage, ev charging
Construction brick
Windows double pane,floor to ceiling
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position waterfront lot
Views river, bay
Waterfront canal
Beach Proximity within walking distance
Nearby Amenities
Near beach
Near downtown
Near highway
Near bus stop
Near shopping
Near supermarket
Near restaurants
Near parks
Rental Information
long term rental only

Exterior

pool
deck
covered patio
alfresco
outdoor kitchen
bbq area
fenced yard
privacy fence
irrigation system
mature landscaping
garden
clothesline
side access
solar panels

Indoor

open floor plan
vaulted ceilings
cathedral ceilings
tile floors
walk in closet
kitchen island
pantry
laundry room
home office
primary suite
ensuite bathroom
dual vanity
rain shower
ceiling fan
recessed lighting
sliding glass doors
built in shelving
oven
gas range
induction cooktop
microwave
dishwasher
washer
dryer
barbeque
central
central ac
double story
Listed on 29 Aug 2026

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    Property     MAROOCHYDORE     LGA

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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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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.

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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.

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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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