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364 LADY GOWRIE DRIVE OSBORNE SA 5017

HOUSE FOR SALE

$3,200,000

Estimated Valuation

364 LADY GOWRIE DRIVE OSBORNE SA 5017 Property Photo
Bedrooms

4

Bathrooms

3

Car Space

3

Land Size

591 m²

Year Built

2019

Property Type

House

COMPARE LISTINGS
Added 7 hours ago
Listing Price

Price withheld

Listed By
Klemich Real Estate - (RLA 174424)
Experience unparalleled coastal luxury in this substantial contemporary home located directly across from the beach in Osborne. This architectural masterpiece features 520sqm of built area, an Italian hydraulic elevator, and a designer kitchen with top-tier appliances, offering a seamless blend of sophisticated style and everyday functionality for the discerning buyer.

Description

This substantial contemporary residence in Osborne offers a rare combination of architectural scale and sophisticated simplicity, positioned directly across from the beach and coastal parkland. The home features approximately 520sqm of built area across two levels, boasting soaring ceilings, solid timber flooring, and extensive glass balustrading that maximizes natural light and ocean views. The interior is defined by Venetian feature plasterwork and architectural lighting, creating a bright and airy atmosphere.

The heart of the home is the designer 2PAC kitchen, which is both elegant and highly functional. It includes a butler's pantry, dedicated coffee station, Bosch appliances (including pyrolytic/convection ovens and warming drawer), Fisher & Paykel DishDrawers, induction cooking, and wine storage. Multiple living zones transition effortlessly to the outdoors via floor-to-ceiling curtains and automatic Phantom screens.

Luxury continues in the landscaped garden which surrounds a Hamilton designer concrete spa with gas heating, complemented by garden lighting and automatic irrigation. The property includes an Italian-made four-person hydraulic elevator connecting the levels, five remote-controlled Velux skylights, and zoned ducted reverse-cycle air conditioning. Vehicle accommodation is impressive with an oversized main garage, a separate rear workshop, drive-through access, and three-phase power.

Accommodation consists of two primary bedroom suites, additional bedrooms, and a dedicated home office with integrated joinery. The master suite features a spa-like ensuite with a soaking tub. Built approximately four years ago, this property represents a turnkey opportunity for those seeking high-end coastal living.

Property Style & Condition

Overall
contemporary
excellent
Condition
Exterior
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

Approximately 520sqm total built area
Two expansive levels with high ceilings (3m ground, 2.7m first floor)
Italian-made four-person hydraulic elevator
Designer 2PAC kitchen with butler''s pantry and coffee station
Bosch appliances including pyrolytic/convection ovens and warming drawer
Fisher & Paykel integrated DishDrawers
Dedicated wine storage
Architectural staircase with extensive glass balustrading
Solid timber flooring
Venetian feature plasterwork
Five remote-controlled Velux skylights
Zoned ducted reverse-cycle air conditioning and gas fireplace
Floor-to-ceiling curtains and blockout window treatments
Dedicated home office with integrated joinery
Hamilton designer concrete spa (35sqm) with gas heating
Automatic Phantom screens on alfresco area (27sqm)
Automated irrigation and landscaped garden lighting
Oversized main garage plus separate rear garage/workshop
Drive-through vehicle access
Three-phase power
Rooftop garden
Two primary bedroom suites
Multiple living areas

Specifications

Property Details
Property Type House
Architectural Style Contemporary,Luxury
Stories 2
Parking Type attached garage, driveway
Construction brick,concrete
Windows double pane,floor to ceiling
Gas natural gas
Internet nbn
Location & Setting
Setting urban
Lot Position interior lot
Views ocean panoramic, park, sunset
Waterfront oceanfront
Beach Proximity beachfront
Nearby Amenities
Near beach
Near parks
Near trails
Rental Information
long term rental only

Exterior

spa
deck
alfresco
balcony
rooftop terrace
outdoor kitchen
garden
mature landscaping
irrigation system
workshop
double carport
driveway
circular driveway

Indoor

open floor plan
vaulted ceilings
cathedral ceilings
fireplace
hardwood floors
kitchen island
pantry
walk in pantry
home office
primary suite
ensuite bathroom
soaking tub
dual vanity
skylight
wine cellar
smart home
ceiling fan
recessed lighting
built in shelving
elevator
refrigerator
oven
gas range
induction cooktop
double oven
microwave
dishwasher
wine fridge
central
forced air
central ac
security cameras
elevator
Listed on 26 Sep 2026

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OSBORNE Statistics

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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.
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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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.

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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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