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3 PHYLLIS COURT VERMONT VIC 3133

HOUSE FOR SALE

$N/A

Estimated Valuation

3 PHYLLIS COURT VERMONT VIC 3133 Property Photo
Bedrooms

5

Bathrooms

2

Car Space

2

Land Size

645 m²

Year Built

2020

Property Type

House

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Added 4 hours ago
Listing Price

Price withheld

Listed By
Harcourts - Vermont South
This stunning 2020 custom build combines Mid-century Modern architecture with modern luxury, offering spacious open-plan living and high-end finishes throughout. Ideal for families prioritizing style, privacy, and proximity to top-rated schools, this home features a bespoke kitchen, luxury bathroom fittings, and an expansive landscaped garden perfect for entertaining.

Description

This bespoke Mid-century Modern home, built in 2020, is situated on a quiet court in Vermont and offers approximately 44.82 square meters of light-filled living across two levels. The property is designed for both formal and casual living, featuring a ground floor office and guest lounge alongside an expansive open-plan kitchen and family wing. The sophisticated interior showcases Tasmanian Oak floors, terrazzo tiling, and bespoke architectural details that maintain the home's 'like new' condition. A highlight of the residence is the showcase kitchen equipped with high-end Asko and Falmec appliances, including a pyrolytic self-cleaning oven, quartz stone countertops, and a mosaic tiled splashback, complemented by a butler's pantry breakfast station.

Upstairs, four spacious bedrooms are finished with double inlay wool carpets. The master suite provides a stunning district view via feature windows and includes a fitted dressing room. The bathrooms feature luxury Alape pressed steel and glass glazed basins, with the family bathroom offering a full-sized bath and the master ensuite featuring a walk-in shower. The exterior is equally impressive, boasting a tiered floral garden with magnolias and a breeze block pathway leading to the entrance.

The landscaped garden encourages al fresco entertaining with bench seating on a shady lower level, high Lilly Pilly hedges for privacy, flat lawn suitable for children, and a custom wood fire pizza oven. The home is positioned close to Rangeview Primary and Vermont Secondary schools, as well as Mitcham train station and Eastlink, making it an ideal turnkey luxury property for families seeking contemporary comfort in a central location.

Property Style & Condition

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

Key Features

Custom Mid-century Modern design
2020 build year
Approximately 44.82 square meters of living space over two levels
Ground floor office and guest lounge
Expansive custom-sized double glazing
Orb corrugated steel roof
Tasmanian Oak staircase and European Oak floors
Terrazzo tiling
Showcase kitchen with Asko and Falmec appliances
Pyrolytic self-cleaning oven
Butler''s pantry breakfast station
Quartz stone countertops and mosaic tiled splashback
Four upstairs bedrooms with double inlay wool carpets
Master suite with fitted dressing room and district views
Luxury Alape pressed steel basins
Full-sized bath in family bathroom
Walk-in shower in master ensuite
Tiered floral garden with magnolias
Custom wood fire pizza oven
Landscaped garden with privacy hedges
Quiet court location

Specifications

Property Details
Property Type House
Architectural Style contemporary,mid century modern
Stories 2
Parking Type attached garage
Construction steel
Windows double pane,floor to ceiling
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position interior lot
Views city skyline
Nearby Amenities
Near train station
Near bus stop
Near primary school
Near high school
Near shopping
Near parks
Near public transit
Rental Information
long term rental only

Exterior

patio
outdoor kitchen
bbq area
fenced yard
privacy fence
mature landscaping
garden
retaining walls
driveway
smart thermostat
gated community

Indoor

open floor plan
fireplace
hardwood floors
tile floors
carpet
walk in closet
kitchen island
quartz countertops
pantry
home office
primary suite
ensuite bathroom
soaking tub
dual vanity
rain shower
recessed lighting
sliding glass doors
oven
dishwasher
central
split system
alarm system
double story
Listed on 23 Sep 2026

Property Location Map

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    Property     VERMONT     LGA

Property Transaction History

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Price Positioning

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VERMONT 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

Walkability, Transit Access, and Green Space.

Crime Breakdown vs State Average

Key crime categories per 100K residents.

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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Crime in suburb of Vermont VIC

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Population

-

Crimes Committed

-

Crime Rate

- per 1,000

Safety Rank

-/100

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 Vermont VIC

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The True Cost of Buying this Property

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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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