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20 CLAUSEN ROAD RUSHWORTH VIC 3612

ACREAGE FOR SALE

$950,000

Estimated Valuation

20 CLAUSEN ROAD RUSHWORTH VIC 3612 Property Photo
Bedrooms

5

Bathrooms

2

Car Space

8

Land Size

8.09 m²

Year Built

-

Property Type

Acreage

COMPARE LISTINGS
Added 14 hours ago
Listing Price

$980,000

Listed By
Janelle Puppa Real Estate - SEYMOUR
20 acres of peaceful rural land with a unique homestead offering 360-degree views and an impressive entertaining pavilion. While the property boasts modern mechanical systems and great potential, buyers should note the outdated interior styling characterized by extensive dark wood paneling in the living areas.

Description

Located on a hilltop position in Rushworth, this 20-acre lifestyle property features a substantial homestead with a distinctive architectural character. The exterior is defined by a long, single-story structure wrapped in a traditional three-metre verandah, offering extensive outdoor views of the surrounding countryside. The property includes a separate Dutch-style barn with secure parking and an elevated loft office or studio.

Inside, the home presents a mix of eras. The kitchen features Jarrah benchtops and stainless steel appliances on polished timber floors, though the layout is somewhat linear. The living areas are expansive but display a heavy use of dark wood paneling throughout bedrooms and bathrooms, giving the interior an outdated aesthetic typical of mid-20th-century design. The master suite includes direct access outdoors and an ensuite with a clawfoot bath. Four additional bedrooms share similar timber-lined styling.

The outdoor living is a highlight, featuring an 11m x 7m undercover entertaining pavilion suitable for gatherings. The fully fenced land offers versatile possibilities for hobby farming or livestock. While the property benefits from modern systems like a substantial 8kW solar system, ducted heating/cooling, and evaporative cooling, the heavy wood paneling in the living quarters suggests a need for significant cosmetic updates to suit contemporary tastes.

Property Style & Condition

Overall
outdated
fair
Condition
Exterior
farmhouse
good
Condition
Livingroom
outdated
fair
Condition
Bedrooms
outdated
fair
Condition
Kitchen
standard
good
Condition
Bathroom
outdated
fair
Condition
Yard
landscaped
good
Condition

Key Features

20-acre lifestyle land
Hilltop position with 360-degree views
Three-metre wrap-around verandah
15-metre living room
Kitchen with Jarrah benchtops and quality appliances
Master suite with walk-in robe and ensuite
Four additional bedrooms
Ducted reverse-cycle heating and cooling
Evaporative cooling
8kW solar system with 32 panels
11m x 7m undercover entertaining pavilion
Dutch-style barn with loft office/studio
Fully fenced property
Two 10,000-gallon rainwater tanks

Specifications

Property Details
Property Type Acreage
Stories 1
Parking Type detached garage, driveway
Construction wood frame
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting rural
Lot Position interior lot
Views valley
Nearby Amenities
Near trails
Rental Information
long term rental only

Exterior

verandah
wrap around verandah
covered patio
alfresco
fenced yard
rainwater tank
workshop
shed
solar panels
rainwater collection

Indoor

open floor plan
hardwood floors
walk in closet
kitchen island
primary suite
ensuite bathroom
soaking tub
ceiling fan
built in shelving
refrigerator
oven
dishwasher
central
split system
security cameras
single story
Listed on 26 Aug 2026

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    Property     RUSHWORTH     LGA

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RUSHWORTH Statistics

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Safety Rank

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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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Borrowing capacity & serviceabilityCan you actually get the loan? Lender stress test.
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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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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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