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30 FREDA STREET PANANIA NSW 2213

HOUSE, GRANNY FLAT FOR SALE

$2,400,000

Estimated Valuation

30 FREDA STREET PANANIA NSW 2213 Property Photo
Bedrooms

4

Bathrooms

3

Car Space

4

Land Size

-

Year Built

-

Property Type

House, Granny_flat

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Added 11 hours ago
Listing Price

Auction

Auction
Listed By
PRD - Panania
Immaculate brick residence on a prime corner block in Panania South featuring dual-living potential with a fully detached granny flat. This fully renovated home offers modern living, separate income streams, and exceptional versatility for families or investors.

Description

Positioned on a prime corner block in sought-after Panania South, this immaculate brick residence offers a rare combination of space, versatility and exceptional dual-living potential. Fully renovated throughout and ready to enjoy, the property is further enhanced by a completely detached and separately accessed granny flat - ideal for extended family, guests or an additional rental income stream.

Main Residence: Immaculate brick home, fully renovated and beautifully presented throughout. As-new kitchen with breakfast bench, quality finishes and excellent storage. Spacious formal lounge plus separate dining area. Three generously sized bedrooms plus a separate study/home office. Two stylishly updated bathrooms. Air-conditioning, shutters and ceiling fans. North facing backyard. Large covered entertaining deck, perfect for year-round gatherings with family and friends. Two separate sheds providing excellent additional storage. Off-street parking at the front of the home. Secure direct yard access via an electric gate - perfect for boats, caravans, trailers or additional vehicles. Prime corner position offering excellent access, privacy and versatility.

Granny Flat: Rare fully detached design with its own separate entrance. Generous open-plan living, dining and bedroom area. Oversized separate kitchen with an abundance of bench space and storage - perfect for those who love to cook. Updated bathroom. Air-conditioning. Excellent separation from the main residence, providing genuine privacy and independence. Ideal for extended family, in-law accommodation or an additional income stream ($400pw).

Location: Within 1.4km to Panania Shops and Train Station. Minutes to the Georges River boat ramps and parks. Surrounded by great local schools and with easy access to M5 Motorway & Henry Lawson Drive.

The options here are endless. Move in and enjoy the entire property, retain the amazing existing tenants as an investment, or live in one residence while enjoying the rental income from the other. Whether you're an owner-occupier, investor or a family looking for genuine separate accommodation, this unique property provides the flexibility to adapt to your needs now and well into the future.

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

Immaculate brick home
Fully renovated throughout
As-new kitchen with breakfast bench
Spacious formal lounge plus separate dining area
Three generously sized bedrooms
Separate study/home office
Two stylishly updated bathrooms
Air-conditioning, shutters and ceiling fans
North facing backyard
Large covered entertaining deck
Two separate sheds
Off-street parking at the front of the home
Secure direct yard access via an electric gate
Completely detached granny flat with separate entrance
Granny flat features open-plan living, dining and bedroom area
Oversized separate kitchen in granny flat
Updated bathroom in granny flat
Air-conditioning in granny flat

Specifications

Property Details
Property Type House / granny flat
Stories 1
Parking Type driveway, security gate
Construction brick
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position corner lot
Nearby Amenities
Near train station
Near shopping
Near parks
Near highway
Near marina
Rental Information
long term rental only
current tenant occupied

Exterior

deck
covered patio
bbq area
fenced yard
colorbond fence
privacy fence
irrigation system
mature landscaping
granny flat
shed
boat ramp
security gate

Indoor

open floor plan
tile floors
kitchen island
granite countertops
stainless steel appliances
pantry
home office
ceiling fan
recessed lighting
sliding glass doors
refrigerator
oven
gas range
induction cooktop
dishwasher
barbeque
central
split system
ceiling fan
gated entry
single story
Listed on 24 Sep 2026

Property Location Map

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    Property     PANANIA     LGA

Property Transaction History

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Price Positioning

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PANANIA 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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Crime in suburb of Panania NSW

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Population

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Crimes Committed

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Crime Rate

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Safety Rank

-/100

Overall Crime

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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 Panania 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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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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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 + 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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