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497 BALMORAL ROAD COCKATOO VALLEY SA 5351

ACREAGE FOR SALE

$1,450,000

Estimated Valuation

497 BALMORAL ROAD COCKATOO VALLEY SA 5351 Property Photo
Bedrooms

3

Bathrooms

2

Car Space

4

Land Size

1.49 m²

Year Built

1990

Property Type

Acreage

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Added 9 hours ago
Listing Price

Auction

Auction
Listed By
Ray White Barossa Valley/ Two Wells
This exceptional 1.49-hectare rural sanctuary in Cockatoo Valley combines the luxury of modern living with the freedom of acreage. Perfect for those seeking a private resort-style retreat, it features a spacious home with open-plan entertaining zones, a pool and spa, and vast storage options in two large sheds.

Description

Situated on a sprawling 1.49-hectare rural living block in Cockatoo Valley, this property offers a rare combination of expansive acreage and modern comfort. Built in 1990, the residence is set back from the road, accessible via a gravel driveway that sweeps past established gardens to a home featuring a stone facade and wide verandahs. The interior layout is designed for entertaining, with a dedicated entry leading into a spacious games room complete with a pool table and bar area. This flows seamlessly into an open-plan living and dining zone characterized by polished timber floors, high ceilings, and a cozy fireplace.

The heart of the home is the modern kitchen, featuring white cabinetry, extensive bench space, and a massive walk-in pantry, which connects to a separate family room and a bright laundry with outdoor access. The accommodation wing includes three bedrooms; the master suite is a private retreat boasting an exposed brick feature wall, walk-in robe, and ensuite, while two secondary bedrooms offer built-in storage. The main bathroom is well-appointed with a double vanity, freestanding soaking bath, and separate shower.

Outside, the grounds provide endless possibilities. A large swimming pool with spa jets sits beside a spacious covered entertaining area and pergola, ideal for year-round hosting. The property includes two substantial sheds (approx. 6m x 14m) providing ample workshop or storage space, along with a fire pit nestled among mature native trees. Toward the rear, a flat parcel of land offers a 'blank canvas' for future additions (STCC). With easy access to Gawler and Lyndoch, this property suits families seeking space, privacy, and a true country lifestyle.

Property Style & Condition

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

Key Features

1.49-hectare rural block
Swimming pool with spa jets
Covered outdoor entertaining area and pergola
Two substantial sheds (approx. 6m x 14m)
Open-plan living and dining with fireplace
Modern kitchen with walk-in pantry
Games room with built-in bar and pool table
Master suite with exposed brick wall and ensuite
Three bedrooms total
Main bathroom with freestanding soaking bath
Circular gravel driveway
Wide verandahs
Fire pit area
Ducted air conditioning and heating
Flat rear parcel of land (STCC)
Mature landscaping and gardens

Specifications

Property Details
Property Type Acreage
Stories 1
Parking Type carport, driveway
Construction brick,stone
Windows double pane
Gas propane
Internet nbn
Location & Setting
Setting rural
Lot Position interior lot
Views valley, forest
Nearby Amenities
Near parks
Near shopping
Near primary school
Rental Information
long term rental only

Exterior

pool
spa
deck
patio
covered patio
alfresco
verandah
pergola
bbq area
fire pit
fenced yard
privacy fence
mature landscaping
garden
native garden
workshop
shed
driveway
circular driveway
rainwater collection

Indoor

open floor plan
fireplace
hardwood floors
walk in closet
pantry
walk in pantry
laundry room
primary suite
ensuite bathroom
soaking tub
dual vanity
ceiling fan
recessed lighting
built in shelving
dishwasher
central
central ac
single story
Listed on 17 Sep 2026

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    Property     COCKATOO VALLEY     LGA

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COCKATOO VALLEY Statistics

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Crime in suburb of Cockatoo Valley SA

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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)

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Victimization Probability

Violent Crime Chance 1 in X
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.
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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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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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