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369 CUMMINS ROAD MINERS REST VIC 3352

HOUSE FOR SALE

$810,000

Estimated Valuation

369 CUMMINS ROAD MINERS REST VIC 3352 Property Photo
Bedrooms

4

Bathrooms

2

Car Space

2

Land Size

779 m²

Year Built

-

Property Type

House

COMPARE LISTINGS
Added 12 hours ago
Listing Price

$775,000 - $825,000

Listed By
Ray White - Ballarat
This impressive Twomey Homes residence in Miners Rest offers exceptional quality and functionality with its heightened ceilings and double-glazed windows throughout. Perfect for families, the home features a massive open-plan living area with an electric log fire, a gourmet kitchen with SMEG appliances, and a private master suite with an ensuite. The property includes four bedrooms, a study, two living zones, and a solar-powered backyard setup, making it a move-in ready haven.

Description

This impressive family residence located at 369 Cummins Road, Miners Rest is a thoughtfully designed home built by the reputable local builder Twomey Homes. The property features a custom floor plan with heightened 2550mm ceilings and square-set finishes that create an airy and spacious atmosphere. The home includes double-glazed Stegbar windows and excellent insulation throughout, including R2.5 wall and R6.0 ceiling insulation, ensuring energy efficiency and comfort year-round. Climate control is managed by a five-zone Braemar ducted heating system and evaporative cooling.

The heart of the home is the expansive open-plan kitchen, living, and dining zone, highlighted by an electric log fire and a stunning 2400mm-high double-glazed Stegbar stacker door with Crimsafe security that seamlessly connects to the undercover alfresco area. The kitchen itself is generous, featuring a 900mm SMEG oven and gas cooktop, a double-bowl undermount sink, and a spacious walk-in pantry with power. Custom soft-close cabinetry provides ample storage.

The master suite is privately positioned and incredibly generous, accommodating a super king bed with a ceiling fan, TV point, and a custom walk-in robe. The adjoining ensuite features a double vanity, rain shower, handheld shower head, and separate toilet. There are three additional bedrooms, each with built-in robes and ample space for queen or king beds. A central family bathroom includes a 1675mm bath, separate shower, and niche, alongside a separate powder room.

Further features include a dedicated study (potential fifth bedroom) with sliding-door storage, a substantial second living area at the rear of the home, and a well-appointed laundry with a dedicated drying cupboard. The property is equipped with a 7.02kW solar system, an Apricus heat-pump hot-water system, and a 3,000L rainwater tank.

Outside, the expansive secure backyard features a generous undercover alfresco, a cubby house, and side gate access wide enough for a car. A 3m x 3m garden shed provides additional storage, while an irrigation sprinkler system services the front yard. The home is described as turnkey, ready for immediate family living.

Property Style & Condition

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

Key Features

Built by Twomey Homes
Heightened 2550mm ceilings
Double-glazed Stegbar windows
R2.5 wall and R6.0 ceiling insulation
Five-zone Braemar ducted heating and evaporative cooling
Expansive open-plan kitchen, living, and dining zone
Electric log fire
2400mm double-glazed Stegbar stacker door to alfresco
SMEG oven and gas cooktop
Walk-in pantry with power
Custom soft-close cabinetry
Master suite with super king bed accommodation, walk-in robe, and ensuite
Ensuite features double vanity, rain shower, and separate toilet
Three additional bedrooms with built-in robes
Central family bathroom with 1675mm bath and separate shower
Separate powder room
Dedicated study or fifth bedroom
Second living area
Laundry with dedicated drying cupboard
7.02kW solar system (18 Trina panels, Fronius inverter)
Apricus 260L heat-pump hot-water system
3,000L rainwater tank
Undercover alfresco area
Cubby house included
Side gate access for car parking
3m x 3m garden shed
Irrigation sprinkler system

Specifications

Property Details
Property Type House
Architectural Style contemporary,modern
Stories 1
Parking Type attached garage, driveway
Construction brick
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position interior lot
Nearby Amenities
Near parks
Near shopping
Rental Information
long term rental only

Exterior

alfresco
covered patio
shed
irrigation system
rainwater tank
side access
solar panels
rainwater collection
heat pump

Indoor

open floor plan
fireplace
tile floors
carpet
walk in closet
kitchen island
stainless steel appliances
pantry
walk in pantry
laundry room
home office
primary suite
ensuite bathroom
dual vanity
rain shower
ceiling fan
recessed lighting
oven
gas range
microwave
washer
dryer
central
split system
security gate
single story
Listed on 25 Sep 2026

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MINERS REST Statistics

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Property Price History

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Market Activity (Sales Volume)

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Education Quality & Safety Index

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High Owner Occupier % and Family Household %.

Livability Scores

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Crime Breakdown vs State Average

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Age Distribution Profile

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Crime in suburb of Miners Rest VIC

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Population

-

Crimes Committed

-

Crime Rate

- per 1,000

Safety Rank

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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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  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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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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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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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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