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28 JUDITH AVENUE MOUNT RIVERVIEW NSW 2774

HOUSE FOR SALE

$1,320,000

Estimated Valuation

28 JUDITH AVENUE MOUNT RIVERVIEW NSW 2774 Property Photo
Bedrooms

5

Bathrooms

2

Car Space

2

Land Size

645 m²

Year Built

-

Property Type

House

COMPARE LISTINGS
Added 15 hours ago
Listing Price

$1,280,000 - $1,330,000

Listed By
McGrath Lower Blue Mountains - BLAXLAND

Experience the ultimate Mount Riverview lifestyle in this private, split-level sanctuary situated on a generous corner block with backing bushland. This freshly renovated five-bedroom home offers uninterrupted views, multiple entertainment decks, and exceptional privacy suitable for families or those seeking a quiet retreat.

Description

Settled naturally into the slope of a quiet street in Mount Riverview, this remarkable split-level home offers a rare combination of privacy and space on a generous 645sqm block. The property has been freshly prepared for the market, featuring polished timber floors, fresh paint throughout, and extensive landscaping renewal. The ground level living area is highlighted by a striking raked timber ceiling and full-width sliding doors that open onto an elevated entertainer's deck with uninterrupted bush canopy views.

Living consists of five bedrooms across beautifully refreshed levels. The main bedroom features its own private ground-level deck, built-in robes, and a beautifully appointed ensuite complete with a rain shower and glass vessel vanity. Two additional bedrooms are located on the same level, sharing access to a three-way main bathroom. Three further bedrooms reside on the first floor, offering sunlight and access to an upper balcony.

Key features include an updated kitchen with white cabinetry, glass-fronted uppers, and a breakfast bar. A versatile lower ground multi-purpose room (8.2 x 5.2m) with a separate entrance is perfect for use as a home theatre, office, or teenager's retreat. The home sits in an outside corner position, bordered by a full-height brick boundary wall on one side and open aspect on the other. The rear boundary adjoins over four acres of designated public garden and recreation reserve, ensuring no neighbors at the back.

Exterior amenities include a private walled front garden, a double carport, garden shed/workshop, water tank, and generous storage. Air conditioning is installed in all five bedrooms and the main living area, supported by multiple gas outlets for heating. The property has been held by one family for almost thirty years and presents an excellent opportunity to move in and begin immediately.

Property Style & Condition

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

Key Features

Split-level design settled into the hillside
Outside corner position with full-height brick boundary wall
Adjoins over four acres of designated public garden reserve
Raked timber ceiling in living room
Polished timber floors throughout
Freshly painted and sanded floors
Five bedrooms across refreshed levels
Main bedroom with private ground-level deck
Beautifully appointed ensuite with rain shower
Three-way main bathroom
Updated kitchen with white cabinetry and breakfast bar
Multi-purpose lower ground room (8.2 x 5.2m) with separate entrance
Air conditioning to all bedrooms and living area
Double carport, shed/workshop, and water tank
Private walled front garden
Elevated entertainer''s deck with bush views

Specifications

Property Details
Property Type House
Stories 2
Parking Type carport
Construction brick
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position corner lot
Views forest, valley
Nearby Amenities
Near parks
Near trails
Rental Information
long term rental only

Exterior

deck
timber deck
balcony
fenced yard
privacy fence
mature landscaping
garden
rainwater tank
workshop
shed
double carport
water tank
retaining walls
driveway
rainwater collection

Indoor

open floor plan
vaulted ceilings
hardwood floors
kitchen island
walk in closet
pantry
home office
primary suite
ensuite bathroom
dual vanity
rain shower
ceiling fan
recessed lighting
sliding glass doors
built in shelving
oven
dishwasher
barbeque
gas
split system
privacy fence
double story
Listed on 22 Sep 2026

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    Property     MOUNT RIVERVIEW     LGA

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MOUNT RIVERVIEW Statistics

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Suburb Statistcs:

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Property Price History

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Market Activity (Sales Volume)

Number of homes sold annually.

Education Quality & Safety Index

School Quality (ICSEA) vs Safety Index.

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

Individual school ICSEA scores vs national average (1000).

Age Distribution Profile

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Household Composition

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Health & Wellbeing Indicators

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Commute & Transport Mix

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Environment & Natural Hazards

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Income vs Cost of Living

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Location Profile

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Local Places & Amenities

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Crime in suburb of Mount Riverview NSW

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Population

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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

Schools within the catchment Mount Riverview NSW

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The True Cost of Buying this Property

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Investment Calculator

  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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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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net rent + gain after CGT, selling costs & loan payout
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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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