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38 IRONBARK DRIVE FERN BAY NSW 2295

HOUSE FOR SALE

$N/A

Estimated Valuation

38 IRONBARK DRIVE FERN BAY NSW 2295 Property Photo
Bedrooms

3

Bathrooms

2

Car Space

2

Land Size

699.7 m²

Year Built

2010

Property Type

House

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Added 16 hours ago
Listing Price

Price withheld

Listed By
Clarke & Co Estate Agents - EAST MAITLAND
Modern family living meets coastal convenience in this stylish Fern Bay home featuring a gourmet kitchen with Caesarstone benchtops and a seamless indoor-outdoor flow to the timber deck alfresco. Built in 2010, this turnkey residence offers quality finishes, solar power, and easy access to Newcastle's city and coastline.

Description

This Fern Bay residence, built by Montgomery Homes in 2010, presents a polished and functional layout suitable for family living. The property sits on a generous block with a fully fenced yard featuring landscaped gardens, raised veggie patches, and an automatic irrigation system fed by an artesian bore. The exterior is characterized by brickwork and a tiled roof, with an attached double garage providing internal access. Inside, the home features quality tile and carpet flooring throughout, complemented by LED downlights and plantation shutters. The gourmet kitchen is a standout feature, boasting 20mm Caesarstone benchtops, a waterfall edge island bench with breakfast bar, a built-in pantry, and quality appliances including an Electrolux oven and Bosch dishwasher. The open-plan living and dining area flows directly onto the timber deck alfresco, which includes wired fairy lights and a built-in BBQ area. There are three bedrooms; the main bedroom is equipped with plush carpet, a ceiling fan, Daikin split system air conditioning, and twin walk-in robes. A stylish ensuite features a floating Caesarstone vanity and a rain showerhead. The family bathroom offers practicality with a separate WC and built-in bath. Additional inclusions include a 3kW solar system, heat pump hot water, FTTP NBN connectivity, and Crimsafe security screens.

Property Style & Condition

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

Key Features

Timber deck alfresco with built-in BBQ area
Gourmet kitchen with 20mm Caesarstone benchtops and waterfall edge island
Open plan living and dining area
Three bedrooms, main with twin walk-in robes
Stylish ensuite with floating vanity and rain showerhead
Fully fenced yard with landscaped gardens and irrigation system
Artesian bore water supply
3kW solar system and heat pump hot water
FTTP NBN connection
Crimsafe security screens
Attached double garage with internal access
Split system air conditioning in living and main bedroom
Separate WC in family bathroom

Specifications

Property Details
Property Type House
Stories 1
Parking Type attached garage
Construction brick
Windows double pane
Gas natural gas
Internet FTTP
Location & Setting
Setting suburban
Lot Position interior lot
Beach Proximity within walking distance
Nearby Amenities
Near beach
Near downtown
Near airport
Near shopping
Rental Information
long term rental only

Exterior

timber deck
alfresco
bbq area
fenced yard
irrigation system
mature landscaping
garden
bore water
double carport
solar panels
heat pump

Indoor

open floor plan
tile floors
carpet
walk in closet
kitchen island
quartz countertops
pantry
walk in pantry
ensuite bathroom
rain shower
ceiling fan
recessed lighting
refrigerator
oven
gas range
dishwasher
barbeque
heat pump
split system
security gate
single story
Listed on 11 Sep 2026

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    Property     FERN BAY     LGA

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FERN BAY Statistics

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Property Price History

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Age Distribution Profile

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Crime in suburb of Fern Bay NSW

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Safety Rank

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Overall Crime

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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

Schools within the catchment Fern Bay NSW

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The True Cost of Buying this Property

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Investment Calculator

  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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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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net rent + gain after CGT, selling costs & loan payout
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net rent + unrealised equity gain (no sale, no CGT yet)
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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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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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