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2882 PAYNES CROSSING ROAD WOLLOMBI NSW 2325

ACREAGE FOR SALE

$1,850,000

Estimated Valuation

2882 PAYNES CROSSING ROAD WOLLOMBI NSW 2325 Property Photo
Bedrooms

4

Bathrooms

3

Car Space

3

Land Size

-

Year Built

-

Property Type

Acreage

COMPARE LISTINGS
Added 16 hours ago
Listing Price

$1,800,000 - $1,980,000

Listed By
Musgrove Realty
Set on 2 acres adjoining Wollombi Brook, this architecturally designed board-and-batten timber treehouse offers a rare blend of privacy, character, and potential passive income via its separate studio. With soaring ceilings, hardwood floors, and sweeping rural views, it is an ideal retreat for those seeking lifestyle appeal within walking distance of the village.

Description

This architecturally designed board-and-batten timber treehouse is set on approximately 2 acres of picturesque land adjoining the Wollombi Brook. The property offers a rare blend of privacy, character, and convenience, located within easy walking distance of historic Wollombi village. The home features a unique construction using local grey gum and stringybark hardwoods with soaring ceilings, exposed timber beams, and hardwood floors. The interior includes a streamlined modern kitchen with stone benchtops, a freestanding gas cooktop, electric oven, and substantial walk-in pantry. The main bathroom is tastefully designed with louvre windows, a deep oval freestanding bath, separate shower with wide rain showerhead, and heated towel rails.

The residence features three oversized bedrooms: the master suite includes a mezzanine study, ensuite, walk-in robe, and private deck overlooking the sparkling inground pool. The two additional bedrooms open directly onto the covered rear verandah. A well-equipped studio, currently operating as a successful short-term rental, is positioned privately away from the main residence, offering potential passive income. Additional features include underfloor ducted reverse-cycle air conditioning, ceiling fans, mains power with an additional solar system, and approximately 50,000 litres of domestic water storage.

The grounds meander down to the banks of Wollombi Brook, providing a private park-like setting for recreation. The property includes a sunny north-facing Zen winter garden, fruit trees, and extensive banks of louvre windows and VELUX roof windows that promote light and airflow. The home is elevated to capture sweeping rural views across green paddocks and bush-clad hills.

Property Style & Condition

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

Specifications

Property Details
Property Type Acreage
Architectural Style Contemporary,Timber,Architectural
Stories 2
Parking Type driveway
Construction wood frame
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting rural
Lot Position waterfront lot
Views river, valley, sunset
Waterfront riverfront
Nearby Amenities
Near parks
Near trails
Rental Information
short term rental allowed

Exterior

pool
deck
timber deck
verandah
covered patio
garden
rainwater tank
water tank
retaining walls
driveway
security gate
solar panels
rainwater collection

Indoor

open floor plan
vaulted ceilings
cathedral ceilings
fireplace
hardwood floors
walk in closet
kitchen island
granite countertops
stainless steel appliances
pantry
walk in pantry
laundry room
home office
primary suite
ensuite bathroom
soaking tub
rain shower
skylight
ceiling fan
recessed lighting
sliding glass doors
built in shelving
refrigerator
oven
gas range
microwave
dishwasher
heat pump
split system
central ac
gated entry
double story
Listed on 05 Sep 2026

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    Property     WOLLOMBI     LGA

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WOLLOMBI 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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  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.
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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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rent cash flow + capital gain − all costs & tax
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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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