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21 THORNE STREET EAST GEELONG VIC 3219

HOUSE FOR SALE

$1,025,000

Estimated Valuation

21 THORNE STREET EAST GEELONG VIC 3219 Property Photo
Bedrooms

3

Bathrooms

1

Car Space

0

Land Size

353 m²

Year Built

-

Property Type

House

COMPARE LISTINGS
Added 12 hours ago
Listing Price

$1,000,000 - $1,100,000

Listed By
Jellis Craig - Geelong
Step into this elegantly renovated Victorian home in East Geelong's Golden Triangle, where period charm meets modern comfort. With stunning open-plan living, a designer kitchen, and three spacious bedrooms, this property offers the perfect blend of historic character and contemporary lifestyle.

Description

This elegant double-fronted Victorian home in the heart of East Geelong’s Golden Triangle seamlessly blends beautiful period features with modern design. The property sits comfortably in a leafy streetscape of quality period homes, close to cafes, restaurants, the hospital precinct, Garden Street shops, schools, Eastern Park, Botanical Gardens, the city, beach, and waterfront.

The home has a charming presence with wide verandah, lacework, tessellated tiles, picket fence, and neat, landscaped garden. Inside the stained-glass entrance, you’ll immediately notice high ceilings, tall architraves, decorative cornice, rosettes, polished timber floors, and timber hallway arches that create a sense of warmth and charm.

Three double bedrooms each have plush carpets and ceiling fans. Two have BIRs, plantation shutters to filter the light, and one has a steel-grate fireplace set into an exposed brick chimney.

A generous family room features a central fireplace with built-in cabinetry and bookcases either side. This cosy and sophisticated retreat creates an intimate space and is the perfect place to relax and unwind.

The stunning living space beyond introduces light-filled open-plan living. A timber-topped island bench anchors the elegant kitchen which features panelled cabinetry, gas cooktop, Asko oven, integrated Inalto dishwasher, and premium Shaws butler sink with brass tapware.

This large, bright, north-facing space is the heart of the home. Extra large sliding glass doors enable the living/dining space to spill out onto a big timber deck and private rear yard with tall hedging, brick-edged garden beds, and rear lane access. It’s the perfect spot to languish on a long warm evening or to entertain when the crowd drops by.

The home includes a designer family bathroom with oval freestanding bath, walk-in frameless shower, toilet, and double basin set on a stone vanity. A large laundry has abundant floor-to-ceiling storage.

This beautifully-presented home is equipped with modern features including ducted heating and split system air-conditioning.

Property Style & Condition

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

Key Features

Victorian home
East Geelong location
Golden Triangle
Double-fronted
Wide verandah
Lacework
Tessellated tiles
Picket fence
Landscaped garden
Stained-glass entrance
High ceilings
Tall architraves
Decorative cornice
Polished timber floors
Three double bedrooms
Plush carpets
Ceiling fans
Built-in robes (BIRs)
Plantation shutters
Steel-grate fireplace
Exposed brick chimney
Family room with central fireplace
Built-in cabinetry
Bookcases
Open-plan living
Timber-topped island bench
Elegant kitchen
Panelled cabinetry
Gas cooktop
Asko oven
Inalto dishwasher
Shaws butler sink
Brass tapware
North-facing
Sliding glass doors
Timber deck
Private rear yard
Tall hedging
Brick-edged garden beds
Rear lane access
Designer family bathroom
Oval freestanding bath
Walk-in frameless shower
Double basin stone vanity
Large laundry
Floor-to-ceiling storage
Ducted heating
Split system air-conditioning

Specifications

Property Details
Property Type House
Architectural Style victorian,modern
Stories 1
Parking Type street parking
Construction brick
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting urban
Lot Position interior lot
Beach Proximity within walking distance
Nearby Amenities
Near beach
Near downtown
Near hospital
Near primary school
Near high school
Near tafe
Near university
Near shopping
Near restaurants
Near parks
Rental Information
long term rental only

Exterior

deck
timber deck
verandah
fenced yard
privacy fence
mature landscaping
garden
retaining walls

Indoor

open floor plan
fireplace
hardwood floors
tile floors
carpet
built in shelving
ceiling fan
recessed lighting
sliding glass doors
oven
gas range
dishwasher
central
split system
single story
Listed on 29 Aug 2026

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    Property     EAST GEELONG     LGA

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EAST GEELONG Statistics

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Property Price History

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Market Activity (Sales Volume)

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Education Quality & Safety Index

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Community Stability

High Owner Occupier % and Family Household %.

Livability Scores

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Crime Breakdown vs State Average

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Local School ICSEA Scores

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Age Distribution Profile

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Crime in suburb of East Geelong VIC

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Population

-

Crimes Committed

-

Crime Rate

- per 1,000

Safety Rank

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Overall Crime

-

5-Year Crime Trend (2020 - 2024)

Crime Composition (2024)

Violent vs Property vs Other

Top 10 Offense Types (2024)

Victimization Probability

Violent Crime Chance 1 in X
Property Crime Chance 1 in X
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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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.

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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Calculating…
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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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