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40 TOD STREET GLENELG NORTH SA 5045

HOUSE FOR SALE

$3,800,000

Estimated Valuation

40 TOD STREET GLENELG NORTH SA 5045 Property Photo
Bedrooms

5

Bathrooms

4

Car Space

4

Land Size

597 m²

Year Built

2020

Property Type

House

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Added 6 hours ago
Listing Price

Best Offer By 5/10 at 12pm

Listed By
Belle Property Glenelg / Henley Beach - RLA 254416 / RLA 329240

This 2020 contemporary masterpiece offers luxury coastal living with high-end finishes like Carrara marble and integrated Miele appliances throughout. With five bedrooms, multiple entertainment zones, and a prime location overlooking Adelphi Reserve, it is an ideal choice for discerning buyers seeking a refined family retreat.

Description

This striking two-level residence in Glenelg North is a prime example of contemporary architectural design, built in 2020 on a substantial 597m² block. The home features a premium exterior with durable Silvertop Ash cladding and extensive landscaping that connects the interior to the outdoors. Inside, the ground floor offers an expansive open-plan living zone featuring hardwood oak flooring, a designer kitchen with Italian Carrara marble benchtops, integrated Miele appliances, and a walk-in pantry. A separate formal lounge and a dedicated indoor entertaining room with a suspended fireplace provide versatile living options.

The ground-floor master suite serves as a private sanctuary with garden outlooks, a dressing room, and a luxurious ensuite featuring a freestanding bath, double vanity, rainfall shower, and underfloor heating. Upstairs, the home continues its impressive scale with additional bedrooms, each boasting ensuites, built-in robes, and integrated desks. A second living area flows onto a large balcony overlooking Adelphi Reserve.

Key features include Daikin ducted zoned air conditioning, a 15kW solar system with battery storage, and premium window furnishings throughout. The property also includes DA approval for a future swimming pool and a substantial covered carport. Positioned in a desirable pocket near Glenelg's beaches and dining precincts, this home offers exceptional proportions and refined finishes suitable for families or entertainers.

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

Architecturally designed two-level residence
597m² land size
Premium Silvertop Ash external cladding
Hardwood oak flooring throughout
Designer kitchen with Italian Carrara marble benchtops
Integrated Miele appliances (induction cooktop, fridge)
Walk-in pantry
Built-in feature fireplace in main living area
Separate formal lounge
Ground-floor master suite with dressing room and walk-in robe
Deluxe master ensuite with freestanding bath, double vanity, rainfall shower, and underfloor heating
Indoor entertaining room with built-in barbecue and suspended fireplace
Additional ground-floor bathroom
Upstairs bedrooms with ensuites and integrated desks
Upper-level living area with balcony overlooking Adelphi Reserve
Dedicated study
Large laundry with stone benchtops and Miele washing machine
Guest powder room
Daikin ducted zoned reverse-cycle air conditioning
15kW solar system with battery storage
DA approval for swimming pool
Covered carport
Landscaped gardens and private courtyard

Specifications

Property Details
Property Type House
Architectural Style contemporary
Stories 2
Parking Type carport, ev charging
Construction wood frame
Windows double pane,floor to ceiling
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position interior lot
Views park, sunset
Beach Proximity within walking distance
Nearby Amenities
Near beach
Near parks
Near restaurants
Near shopping
Rental Information
long term rental only

Exterior

balcony
outdoor kitchen
bbq area
mature landscaping
garden
carport
double carport
driveway
solar panels
battery storage
none

Indoor

open floor plan
fireplace
hardwood floors
walk in closet
kitchen island
granite countertops
stainless steel appliances
pantry
walk in pantry
laundry room
home office
primary suite
ensuite bathroom
soaking tub
dual vanity
rain shower
heated floors
ceiling fan
recessed lighting
french doors
sliding glass doors
built in shelving
refrigerator
oven
induction cooktop
washer
barbeque
heat pump
radiant
central ac
gated entry
double story
Listed on 16 Sep 2026

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    Property     GLENELG NORTH     LGA

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GLENELG NORTH Statistics

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Suburb Statistcs:

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Property Price History

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Market Activity (Sales Volume)

Number of homes sold annually.

Education Quality & Safety Index

School Quality (ICSEA) vs Safety Index.

Community Stability

High Owner Occupier % and Family Household %.

Livability Scores

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Crime Breakdown vs State Average

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Local School ICSEA Scores

Individual school ICSEA scores vs national average (1000).

Age Distribution Profile

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Household Composition

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Health & Wellbeing Indicators

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Commute & Transport Mix

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Environment & Natural Hazards

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Income vs Cost of Living

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Crime in suburb of Glenelg North SA

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Population

-

Crimes Committed

-

Crime Rate

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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

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The True Cost of Buying this Property

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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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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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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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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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