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36 BANCROFT TERRACE DECEPTION BAY QLD 4508

HOUSE FOR SALE

$950,000

Estimated Valuation

36 BANCROFT TERRACE DECEPTION BAY QLD 4508 Property Photo
Bedrooms

3

Bathrooms

2

Car Space

2

Land Size

807 m²

Year Built

-

Property Type

House

COMPARE LISTINGS
Added 4 hours ago
Listing Price

Price withheld

Listed By
Ray White - Woody Point
Elevated and spacious, this versatile three-bedroom home sits on a massive 807sqm block with a huge detached shed perfect for hobbies or business. Ideally located moments from the waterfront, it offers excellent entertaining spaces and significant land value in a sought-after Deception Bay location.

Description

This spacious three-bedroom home sits on an elevated, generous 807sqm block in Deception Bay, offering a versatile layout suitable for families or those seeking workspace potential. The main level features open-plan living and dining areas that flow seamlessly to the outdoors, supported by timber-look flooring. Kitchen amenities include white cabinetry, stainless steel appliances, and a dishwasher, though the style appears dated compared to modern trends.

The property includes three bedrooms; the primary bedroom features a checkered bedspread and built-in shelving, while the second bedroom is furnished as a child's room. The home boasts two bathrooms: one main bathroom with a white bath and glass shower screen (Photo 6), and a separate downstairs area featuring a toilet, vanity, laundry facilities, and an additional shower stall (Photo 7).

Outside, the elevated position provides a large, terraced backyard with a concrete paved area covered by a corrugated metal roof, ideal for entertaining. The rear yard includes gravel sections with timber chairs and a fire pit. A significant feature is the huge detached shed accessible via a separate driveway, offering potential for a home business or workshop. The property also features an electric front gate for security.

While the interior finishes like the kitchen cabinets and bathroom tiling show signs of age and standard styling, the structure appears solid. The elevated block offers good separation from neighboring properties and views towards the waterfront area mentioned in the listing. This is a functional family home with strong potential for customization or expansion.

Property Style & Condition

Overall
standard
fair
Condition
Exterior
contemporary
good
Condition
Livingroom
standard
good
Condition
Bedrooms
standard
fair
Condition
Kitchen
outdated
fair
Condition
Bathroom
standard
good
Condition
Yard
sloped
good
Condition

Key Features

Elevated 807sqm block
Three generous bedrooms
Huge detached shed/workshop potential
Separately fenced rear yard with direct driveway access
Terraced backyard with covered entertaining area
Moments from Deception Bay waterfront
Electric front gate
Two bathrooms plus laundry/shower downstairs
Open-plan living zones
Timber-look flooring

Specifications

Property Details
Property Type House
Stories 2
Parking Type driveway, detached garage
Construction brick
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position interior lot
Views ocean partial
Waterfront bayfront
Beach Proximity within walking distance
Nearby Amenities
Near beach
Near parks
Near high school
Near shopping mall
Rental Information
long term rental only

Exterior

patio
covered patio
fire pit
fenced yard
privacy fence
mature landscaping
shed
workshop
driveway
retaining walls
security gate

Indoor

open floor plan
tile floors
carpet
kitchen island
laundry room
home office
built in shelving
ceiling fan
refrigerator
oven
microwave
dishwasher
heat pump
split system
ceiling fan
gated entry
double story
Listed on 10 Sep 2026

Property Location Map

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    Property     DECEPTION BAY     LGA

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DECEPTION BAY Statistics

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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

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Age Distribution Profile

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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 Deception Bay QLD

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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

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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?
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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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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