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38 CHISHOLM TRAIL OAK VALLEY QLD 4811

ACREAGE FOR SALE

$1,050,000

Estimated Valuation

38 CHISHOLM TRAIL OAK VALLEY QLD 4811 Property Photo
Bedrooms

3

Bathrooms

2

Car Space

5

Land Size

1.55 m²

Year Built

-

Property Type

Acreage

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Added 7 hours ago
Listing Price

Offers over $1,049,000

Listed By
Lynham & Co. - KIRWAN
38 Chisholm Trail offers a rare opportunity to secure 3.83 acres of private acreage living in Oak Valley while remaining close to Townsville. This solid masonry home features updated interiors, multiple carports, and a versatile separate one-bedroom granny flat, making it an ideal choice for large families or those seeking income potential.

Description

This substantial three-bedroom masonry block home sits on approximately 3.83 acres of established grounds in Oak Valley, offering a blend of acreage living and proximity to Townsville. The residence features a solid exterior with a full-length wrap-around verandah providing extensive outdoor coverage. Inside, the home offers generous living spaces defined by durable slate flooring in the main areas and carpeted bedrooms. The layout includes two distinct living zones: a formal lounge/dining area and a family room adjacent to the kitchen. The modern kitchen features white cabinetry, dark stone benchtops, an island breakfast bar with seating, and provisions for a double-door refrigerator.

The sleeping quarters comprise three well-proportioned bedrooms with built-in storage and split-system air conditioning. The master bedroom is notably large, featuring a substantial walk-through robe. While the home has been updated, the aesthetic leans towards a standard style rather than ultra-modern luxury. The family bathroom includes a separate shower, bathtub, and vanity, complemented by a second toilet for convenience. An internal laundry with storage completes the practical ground floor layout.

Outside, the property is designed for privacy and utility. It features an in-ground swimming pool, expansive lawn areas, and mature trees. Infrastructure includes a 9m x 6m powered shed, multiple carports accommodating numerous vehicles, two bores, irrigation, and a seasonal dam. A significant feature is the separate one-bedroom granny flat with its own bathroom and carport, offering excellent flexibility for extended family or rental potential. The setting is peaceful with mountain views, suitable for those seeking a rural-residential lifestyle without being disconnected from city amenities.

Property Style & Condition

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

Key Features

Approximately 3.83 acres of private land
Three-bedroom masonry block home
Separate one-bedroom granny flat with bathroom and carport
In-ground swimming pool
Two living areas (formal lounge and family room)
Modern kitchen with stone benchtops and island breakfast bar
Slate flooring in main areas
Carpeted bedrooms with built-in storage
Master bedroom with large walk-through robe
Updated family bathroom with separate shower and bath
Second toilet
Internal laundry
Full-length wrap-around verandah
9m x 6m powered shed
Multiple carports and vehicle accommodation
Two bores and irrigation system
Seasonal dam and fenced paddock
Mountain views
Split-system air conditioning throughout
5kW solar power system

Specifications

Property Details
Property Type Acreage
Architectural Style standard
Stories 1
Parking Type attached garage, detached garage, carport, driveway
Construction brick
Windows double pane
Gas lpg gas
Internet nbn
Location & Setting
Setting rural
Lot Position interior lot
Views mountain
Nearby Amenities
Near highway
Near university
Near hospital
Near shopping
Rental Information
long term rental only

Exterior

pool
deck
verandah
wrap around verandah
covered patio
alfresco
fenced yard
irrigation system
mature landscaping
garden
rainwater tank
outdoor shower
granny flat
workshop
shed
carport
double carport
water tank
bore water
driveway
solar panels
tankless water heater

Indoor

open floor plan
hardwood floors
tile floors
carpet
walk in closet
kitchen island
pantry
laundry room
ceiling fan
recessed lighting
built in shelving
refrigerator
oven
dishwasher
heat pump
split system
single story
Listed on 11 Sep 2026

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    Property     OAK VALLEY     LGA

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OAK VALLEY Statistics

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Property Price History

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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 in suburb of Oak Valley 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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  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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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.
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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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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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