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35 NORTHSHORE AVENUE TOOGOOM QLD 4655

HOUSE FOR SALE

$1,100,000

Estimated Valuation

35 NORTHSHORE AVENUE TOOGOOM QLD 4655 Property Photo
Bedrooms

4

Bathrooms

2

Car Space

4

Land Size

969 m²

Year Built

2010

Property Type

House

COMPARE LISTINGS
Added 5 hours ago
Listing Price

$1,125,000

Listed By
Allen Property - Hervey Bay

Experience the best of coastal living in this spacious 4-bedroom lakefront home situated on a massive 969m² allotment. With stunning views of Kalvert Lake from the open-plan living areas and easy access to Toogoom Beach, this property offers a rare combination of space, comfort, and lifestyle potential.

Description

Located in the relaxed seaside suburb of Toogoom, this single-story brick home sits on a generous 969m² fully fenced allotment with direct views over Kalvert Lake. The residence offers approximately 300m² of living space, featuring four large bedrooms and a dedicated office. The main bedroom is a king-sized retreat complete with an ensuite, walk-in robe, and air conditioning. High ceilings throughout the home create a sense of spaciousness.

The open-plan kitchen, dining, and living area serves as the heart of the home, designed to capture the lake views while opening directly onto a covered outdoor entertaining area. The kitchen is described as galley-style with stainless steel appliances and ample bench space. Additional interior features include multiple living areas, a separate media room or formal lounge, and split-system air conditioning throughout.

Externally, the property boasts a double garage and a paved driveway. The backyard is landscaped with mature vegetation leading down to a stone path along the lake edge, utilizing a bore for irrigation. Safety features include security screens on all windows and external doors. The home is positioned approximately 200 meters from Toogoom Beach and within walking distance to local cafes, offering a blend of waterfront lifestyle and coastal proximity.

Property Style & Condition

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

Key Features

4 large bedrooms
Separate office
King-sized main bedroom with walk-in robe and ensuite
Direct views over Kalvert Lake
Approximately 300m² of home and outdoor living
2.7 metre high ceilings throughout
Open plan kitchen, dining and living area
Galley style kitchen with stainless steel appliances
Covered outdoor entertaining area overlooking the lake
Separate media room or formal lounge
Double garage
Fully fenced 969m² allotment
Solar hot water and solar power system
Security screens to windows and doors
Bore for garden watering
Approximately 200 metres from Toogoom Beach

Specifications

Property Details
Property Type House
Stories 1
Parking Type attached garage
Construction brick
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position waterfront lot
Views lake
Waterfront lakefront
Beach Proximity within walking distance
Nearby Amenities
Near beach
Near shopping
Near restaurants
Rental Information
long term rental only

Exterior

covered patio
patio
bbq area
fenced yard
mature landscaping
garden
bore water
shed
double carport
driveway
security gate
solar panels

Indoor

open floor plan
kitchen island
stainless steel appliances
walk in closet
ensuite bathroom
home office
ceiling fan
sliding glass doors
tile floors
carpet
refrigerator
oven
dishwasher
barbeque
split system
split system
security gate
single story
Listed on 24 Aug 2026

Property Location Map

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    Property     TOOGOOM     LGA

Floorplan & Spaces

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Property Transaction History

Sale and rental history records

4 sale and 0 rent events during 2010 – 2018
Sold Rented
Total capital growth
+205.3%
+$308,000 gained over 7.7 yrs
This property has gained +$308,000 in value across its recorded sales since 2010.
$150,000 → $458,000 · 3.1× value · +15.7% p.a.
Sale price journey
$150,000Aug 2010→$458,000Apr 2018
First sold
2010
at $150,000
Value multiple
▲3.1×
worth 3.1× the first sale
Annual growth
▲+15.7% p.a.
compounded over 7.7 yrs
Doubling time
▲4.8 yrs
to double at this rate
Strongest run
▲+52.8% p.a.
Aug 2010 – May 2012
Avg hold
2.6 yrs
between sales
Price Positioning

How This Property Compares

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TOOGOOM 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

Population age bands.

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

Median household income compared to weekly expenses.

Childcare Availability & Quality

Centres count, NQS ratings, avg daily fees.

Economy & Income

Location Profile

Education

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Local Places & Amenities

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Crime in suburb of Toogoom QLD

Exclusive access to crime statistics from 2020 to 2025.

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 Toogoom QLD

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Is This Investment Right for You?

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Fully updated to reflect the latest Federal Budget provisions, it analyses rental yield, cash flow, and overall Return on Investment (ROI), giving you the clarity to assess whether a property truly aligns with your financial objectives.

The True Cost of Buying this Property

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Mortgage Calculator

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Buyer Fees Calculator

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Investment Calculator

  Investment Viability Engine · 2026 Tax Rules

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Fill in the essentials on the left. The verdict and your projected take-home profit update live on the right.

Select property type and purchase date to see which tax regime applies.

1 The Property

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2 Your Situation

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3 Costs & Assumptions

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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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