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3 BANK STREET YARRAWONGA VIC 3730

HOUSE FOR SALE

$2,650,000

Estimated Valuation

3 BANK STREET YARRAWONGA VIC 3730 Property Photo
Bedrooms

5

Bathrooms

5

Car Space

4

Land Size

773 m²

Year Built

2020

Property Type

House

COMPARE LISTINGS
Added 6 hours ago
Listing Price

$2,590,000

Listed By
Murray Valley Real Estate - YARRAWONGA
A massive 773sqm waterfront estate offering five ensuited bedrooms and expansive lake views across two levels. Ideally suited for families requiring space, accessibility, or significant vehicle storage, this modern home delivers luxury living with direct foreshore access.

Description

This substantial 5-bedroom waterfront residence at 3 Bank Street is situated on a massive 773sqm lot directly opposite the Yarrawonga foreshore and Lake Mulwala. Built approximately four years ago, this modern family home features uninterrupted lake views from both levels and offers exceptional flexibility for multi-generational living or entertaining. The property boasts five ensuited bedrooms, including a dedicated special-needs room with accessible bathroom facilities. The interior is defined by three distinct living zones designed to provide separation and privacy, complemented by high-quality finishes throughout.

The main kitchen is centrally located with an induction cooktop, quality appliances, and a substantial butler's pantry, while a separate upstairs kitchenette adds convenience for guests or extended family. High-standard bathrooms feature stone tiling, glass shower screens, and in one case, a standalone soaking tub. The home is equipped with modern infrastructure including solar panels, three-phase power, double-glazed tinted windows, and reverse-cycle ducted heating and cooling.

Exterior features include a secure gated side access capable of parking large caravans or boats, a therapeutic spa, an insulated utility shed, and a double garage with drive-through access. The landscaping is established with grassy areas leading down to the water's edge, offering direct access to walking paths and swimming areas. This property represents a rare opportunity to secure a large-scale waterfront home in one of Yarrawonga's most sought-after pockets.

Property Style & Condition

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

Key Features

5 Bedrooms with ensuite
773sqm Waterfront Land Size
Uninterrupted Lake Mulwala Views
Therapeutic Spa/Hot Tub
Special-needs accessible bedroom and bathroom
Butler''s Pantry
Upstairs Kitchenette
Double Garage with Drive-through Access
Secure Gated Side Access for Caravans/Boats
Solar Power System
Three-Phase Power
Insulated Utility Shed
Reverse-Cycle Ducted Heating/Cooling
Induction Cooktop
Double Glazed Windows
CCTV Security

Specifications

Property Details
Property Type House
Architectural Style contemporary,modern
Stories 2
Parking Type attached garage, driveway, rv parking
Construction brick,wood frame
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position waterfront lot
Views lake, sunset
Waterfront lakefront
Beach Proximity across the street
Nearby Amenities
Near parks
Near trails
Near shopping
Near restaurants
Rental Information
long term rental only

Exterior

spa
deck
balcony
covered patio
fenced yard
privacy fence
garden
rainwater tank
outdoor shower
workshop
shed
driveway
security gate
circular driveway
solar panels
rainwater collection

Indoor

open floor plan
hardwood floors
tile floors
carpet
kitchen island
pantry
walk in pantry
laundry room
ensuite bathroom
soaking tub
rain shower
ceiling fan
recessed lighting
sliding glass doors
built in shelving
refrigerator
induction cooktop
microwave
dishwasher
washer
dryer
barbeque
central
central ac
security cameras
gated entry
single story
wheelchair accessible
Listed on 01 Sep 2026

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    Property     YARRAWONGA     LGA

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YARRAWONGA Statistics

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Property Price History

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Crime in suburb of Yarrawonga VIC

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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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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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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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