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27 GALE COURT THURGOONA NSW 2640

HOUSE FOR SALE

$4,500,000

Estimated Valuation

27 GALE COURT THURGOONA NSW 2640 Property Photo
Bedrooms

6

Bathrooms

5

Car Space

5

Land Size

2.95 m²

Year Built

1860

Property Type

House

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Added 9 hours ago
Listing Price

Expressions Of Interest Closing 8th Oct at 1pm

Listed By
Stean Nicholls - Albury
Thurgoona Park is an extraordinary estate of historic significance set on nearly 7.3 acres of meticulously landscaped grounds, including original Edna Walling gardens and a tennis court. This landmark property offers unparalleled luxury with a main homestead featuring modern amenities, a charming 1860s cottage, a self-contained apartment loft, and extensive outdoor entertaining areas.

Description

This magnificent estate, known as Thurgoona Park, is situated on one of the suburb's largest landholdings, comprising approximately 7.295 acres (29,520sqm). The property features a distinguished main homestead with soaring ceilings and lush parkland grounds that include original Edna Walling gardens, notable specimen trees, a swimming pool, and a tennis court. The residence is steeped in heritage yet reimagined for contemporary living, offering over 70 squares of flexible living space across the main home, a charming cottage, and an elevated apartment loft.

The main homestead features hydronic heating, Tasmanian Oak floors, and six sets of glass doors that blur the lines between indoor and outdoor living. The designer kitchen includes Miele appliances, stainless steel benches, a butler’s pantry, and a commercial rangehood. A sophisticated study hub integrates CCTV, gate intercom, wired internet, and an AV system. The parents' retreat has an upgraded wood fireplace and bespoke cabinetry, flowing into an opulent master suite with impressive dressing room and skylit ensuite.

A dedicated children's wing provides outstanding family flexibility, offering two playrooms, a billiards zone, and three oversized bedrooms with built-ins, hydronic heating, and individual reverse-cycle units. The estate also includes a newly built alfresco pavilion with a louvre roof, built-in bar, spa, fireplace, exterior TV, and Weber BBQ.

The 1860s cottage, originally built in the 1860s and rebuilt twenty years ago, offers three inviting rooms plus an ensuite, a gas fireplace, and two reverse-cycle units. Beneath the cottage lies a stone-walled cellar with integrated wine racks. A purpose-built structure provides a triple garage with storage rooms and a self-contained apartment loft above, featuring a full kitchen, laundry, private bedroom, and elegant ensuite.

The property is positioned at the end of a private no-through road, enjoying direct rear access to tranquil Creekside walking trails. Everyday amenities, including Coles, Woolworths, Kinross, and Thurgoona Golf Club, are just a short five-minute stroll away, while Albury’s vibrant CBD can be reached in under ten minutes.

Property Style & Condition

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

Key Features

7.295 acres (approx. 29,520sqm) land size
Original Edna Walling gardens
Notable specimen trees
Swimming pool
Tennis court
Main homestead with soaring ceilings and Tasmanian Oak floors
Hydronic heating throughout the main residence
Designer kitchen with Miele appliances, stainless steel benches, and butler’s pantry
Sophisticated study hub with CCTV, gate intercom, wired internet, and AV system
Parents'' retreat with upgraded wood fireplace and opulent master suite
Dedicated children''s wing with playrooms, billiards zone, and three oversized bedrooms
Newly built alfresco pavilion with louvre roof, spa, fireplace, and BBQ
1860s cottage with three rooms, ensuite, and stone-walled cellar
Triple garage with storage rooms
Self-contained apartment loft above the garage
Private no-through road location
Direct rear access to Creekside walking trails

Specifications

Property Details
Property Type House
Architectural Style heritage,modern refinement
Stories 1
Parking Type attached garage, detached garage, driveway
Construction brick,stone
Windows double pane
Gas natural gas
Internet nbn,fiber
Location & Setting
Setting rural
Lot Position cul de sac
Views golf course, park
Nearby Amenities
Near golf course
Near trails
Near shopping
Near supermarket
Near restaurants

Exterior

pool
spa
patio
covered patio
alfresco
verandah
outdoor kitchen
bbq area
fenced yard
mature landscaping
garden
driveway
security gate
intercom
smart thermostat
walking trails

Indoor

open floor plan
vaulted ceilings
fireplace
hardwood floors
walk in closet
kitchen island
stainless steel appliances
pantry
walk in pantry
laundry room
home office
primary suite
ensuite bathroom
soaking tub
dual vanity
rain shower
skylight
heated floors
ceiling fan
recessed lighting
french doors
sliding glass doors
built in shelving
refrigerator
oven
gas range
dishwasher
wine fridge
barbeque
central
heat pump
split system
alarm system
security cameras
video doorbell
gated entry
single story
Listed on 03 Sep 2026

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    Property     THURGOONA     LGA

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THURGOONA Statistics

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Education Quality & Safety Index

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High Owner Occupier % and Family Household %.

Livability Scores

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Crime Breakdown vs State Average

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Crime in suburb of Thurgoona NSW

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Safety Rank

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Overall Crime

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5-Year Crime Trend (2020 - 2024)

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Violent vs Property vs Other

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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.
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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.

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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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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