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20 TORQUAY ROAD REDLAND BAY QLD 4165

HOUSE FOR SALE

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Estimated Valuation

20 TORQUAY ROAD REDLAND BAY QLD 4165 Property Photo
Bedrooms

5

Bathrooms

3

Car Space

4

Land Size

632 m²

Year Built

-

Property Type

House

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Added 14 hours ago
Listing Price

Price withheld

Listed By
feletti
Boasting panoramic Moreton Bay views and exceptional storage capabilities, this substantial two-story residence in Redland Bay combines coastal lifestyle living with unique infrastructure for boating enthusiasts. The property features premium finishes, recent maintenance, and a rare combination of expansive vehicle accommodation alongside three bathrooms.

Description

This substantial custom-built residence in the prestigious Orchard Beach enclave of Redland Bay offers approximately 360m² of living space situated just 330 meters from the Moreton Bay foreshore. The home features a two-level layout designed to maximize its elevated position, providing expansive water views across the upper level's living, dining, and kitchen areas which connect seamlessly to a covered alfresco balcony via large openings. The interior boasts rich timber flooring throughout the main living zones, creating a warm atmosphere complemented by a fireplace in the family room. Recent maintenance includes a full exterior repaint 16 months ago and an interior repaint 24 months ago.

The kitchen is equipped with durable Adelaide Black granite surfaces and stainless steel appliances. The upper level contains the main bedroom suite with a walk-in robe and an impressive ensuite featuring floor-to-ceiling dark stone-look tiling, twin vanities, and an oversized shower, alongside two additional bedrooms and a bathroom. The ground floor provides significant flexibility with a separate family room, office/fifth-bedroom option, laundry, and another bathroom.

The property's standout feature is its exceptional vehicle and workshop accommodation. It includes a substantial main garage (approx 6.1m x 7.4m), a huge third garage (approx 4.0m x 8.9m) with high clearance suitable for boats or large vehicles, drive-through access to the rear, and an additional detached shed (approx 6m x 4m). The home is constructed of brick and sits on a land size of approximately 632m² with established gardens.

Property Style & Condition

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

Key Features

Approximately 360m² floor area
Elevated Moreton Bay water views
Substantial brick construction
Rich timber flooring throughout upper living areas
Adelaide Black granite kitchen countertops
Upper level ducted air-conditioning (approx 2 years old)
Covered alfresco balcony
Main bedroom with walk-in robe and ensuite
Floor-to-ceiling dark stone-look tiling in main bathroom
Separate family room downstairs
Office or fifth-bedroom option
Approx 6.1m x 7.4m main garage
Approx 4.0m x 8.9m high-clearance third garage
Drive-through access to rear
Detached 6m x 4m shed/workshop
Established gardens
Fireplace in living area

Specifications

Property Details
Property Type House
Stories 2
Parking Type attached garage, detached garage, driveway
Construction brick
Windows floor to ceiling
Location & Setting
Setting suburban
Lot Position corner lot
Views ocean panoramic, bay
Waterfront bayfront
Beach Proximity within walking distance
Nearby Amenities
Near beach
Near high school

Exterior

deck
patio
covered patio
alfresco
balcony
fenced yard
mature landscaping
garden
workshop
shed
driveway
solar panels

Indoor

open floor plan
fireplace
hardwood floors
walk in closet
kitchen island
granite countertops
stainless steel appliances
laundry room
home office
primary suite
ensuite bathroom
dual vanity
rain shower
ceiling fan
recessed lighting
sliding glass doors
refrigerator
oven
dishwasher
central
central ac
double story
Listed on 27 Aug 2026

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    Property     REDLAND BAY     LGA

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REDLAND BAY Statistics

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Safety Rank

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Overall Crime

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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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Ownership structure & income splittingSole, joint (split income), company or trust?
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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.

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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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