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37 FISHER STREET MANNS BEACH VIC 3971

HOUSE FOR SALE

$740,000

Estimated Valuation

37 FISHER STREET MANNS BEACH VIC 3971 Property Photo
Bedrooms

3

Bathrooms

1

Car Space

6

Land Size

1,012 m²

Year Built

-

Property Type

House

COMPARE LISTINGS
Added yesterday
Listing Price

$725,000

Listed By
Alex Scott and Staff - Yarram
This is a fully furnished waterfront property in Manns Beach offering immediate holiday rental income or a turnkey weekend escape. The home features an open-plan living area with water views, three bedrooms, and extensive storage including a workshop capable of holding a tractor and boat.

Description

This property is a waterfront home located at 37 Fisher Street in Manns Beach, Victoria. The listing presents the home as a fully furnished holiday rental or permanent residence.

The exterior of the house appears to be clad in white weatherboard with a dark roof and features a large deck wrapping around the upper level. Photos 0 and 2 show the structure is situated on a grassy block near the water, while photo 18 displays a separate shed with wooden interior paneling containing a ping pong table. Photo 19 shows a large steel-framed workshop or shed containing a tractor, indicating significant storage capacity.

Inside, the home features an open-plan layout. The kitchen (photos 3 and 6) has white cabinetry, laminate benchtops, and stainless steel appliances including a gas range. The living area (photos 1, 5, 12, 13) is spacious with timber flooring and large windows providing sweeping water views. It is furnished with a blue sectional sofa and dining set. The bedrooms (photos 7, 8, 10) are carpeted and feature white walls, split-system air conditioning units, and beds dressed in striped linens. The bathroom (photo 9) includes a vanity and a shower screen.

Condition: The property appears to be well-maintained but reflects the aesthetics of a holiday rental rather than a permanent residence. The furnishings are contemporary but functional. The kitchen is dated with laminate benchtops and older appliances. The outdoor shed has a concrete floor that shows signs of wear. While the interior is clean, the heavy use of holiday furniture suggests it may require updating for a permanent family lifestyle.

Property Style & Condition

Overall
contemporary
good
Condition
Exterior
weatherboard
good
Condition
Livingroom
contemporary
good
Condition
Bedrooms
standard
good
Condition
Kitchen
standard
fair
Condition
Bathroom
standard
fair
Condition
Yard
landscaped
good
Condition

Key Features

Waterfront position
Fully furnished
Open-plan living
Three bedrooms
One bathroom
Large shed/workshop
Boat ramp proximity
Split systems
Wood heaters
Oversized double garage
Outdoor shower

Specifications

Property Details
Property Type House
Stories 2
Parking Type attached garage, detached garage
Construction wood frame
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting rural
Lot Position waterfront lot
Views ocean panoramic, sunset
Waterfront oceanfront
Beach Proximity beachfront
Nearby Amenities
Near beach
Near trails
Rental Information
short term rental allowed
current tenant occupied

Exterior

deck
timber deck
outdoor shower
workshop
shed
water tank
garbage disposal
rainwater collection

Indoor

open floor plan
hardwood floors
carpet
kitchen island
stainless steel appliances
laundry room
split system air conditioning
refrigerator
oven
gas range
washer
dryer
dishwasher
heat pump
radiant
split system
double story
Listed on 26 Sep 2026

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    Property     MANNS BEACH     LGA

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MANNS BEACH Statistics

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Crime in suburb of Manns Beach VIC

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Safety Rank

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Overall Crime

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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?
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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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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 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.

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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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