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5 CLIFFORD STREET UMINA BEACH NSW 2257

DUPLEX FOR SALE

$1,250,000

Estimated Valuation

5 CLIFFORD STREET UMINA BEACH NSW 2257 Property Photo
Bedrooms

4

Bathrooms

3

Car Space

1

Land Size

335.2 m²

Year Built

2024

Property Type

Duplex

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Added 13 hours ago
Listing Price

Price withheld

Listed By
One Agency Umina Beach & Woy Woy
Brand-new luxury Torrens title duplex located in Umina Beach, offering four bedrooms and stunning ocean views. This property features a sophisticated open-plan design, two master suites, and a north-facing backyard perfect for entertaining.

Description

This brand-new, luxurious Torrens title duplex in Umina Beach offers a sophisticated blend of contemporary design and practical living. The property features four spacious bedrooms, including two master suites with walk-in robes and ensuites, ensuring privacy and comfort for all occupants. The ground floor includes a primary bedroom suite, while the upper level provides a second living area and three additional bedrooms.

At the heart of the home is a contemporary kitchen featuring a large stone island benchtop, quality appliances, gas cooking, and a generous walk-in pantry. The open-plan design seamlessly connects the interior living areas to the outdoors via a covered alfresco entertaining area equipped with a BBQ kitchen. This space overlooks a north-facing backyard, offering ample room for a plunge pool (STCA) and outdoor relaxation.

Interior finishes include ducted air conditioning throughout, hardwood floors in the main living areas, and carpet in the bedrooms. Additional features comprise a stylish main bathroom, a full-size internal laundry with clothesline access, and an alarm & intercom system. The property is set in a sought-after pocket of Umina Beach, within easy walking distance to local shops, cafés, and just 650m from the beach.

Exterior features include a single garage with auto access, a low-maintenance lawn area, and modern fencing. The home's exterior presents a clean, modern aesthetic with stone cladding accents and neutral tones. Overall, this property is in excellent condition, having never been lived in, making it an ideal turnkey option for families or investors seeking a high-quality new build near the coast.

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

Torrens title duplex
Four generously sized bedrooms with built-in robes
Two master suites with walk-in robes and ensuites
Two separate living areas
Ducted air conditioning
Full-size internal laundry with clothesline access
Contemporary kitchen with stone island benchtop
Gas cooking and quality appliances
Large walk-in butler''s pantry
Covered alfresco entertaining area with BBQ kitchen
North-facing backyard
Single garage with auto access
Alarm & intercom system

Specifications

Property Details
Property Type Duplex
Architectural Style contemporary,modern
Stories 2
Parking Type attached garage
Construction brick,stone
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position interior lot
Views ocean panoramic, ocean partial
Beach Proximity within walking distance
Nearby Amenities
Near beach
Near shopping
Near supermarket
Near restaurants
Rental Information
long term rental only

Exterior

alfresco
outdoor kitchen
bbq area
fenced yard
colorbond fence
clothesline
intercom
driveway

Indoor

open floor plan
hardwood floors
carpet
walk in closet
kitchen island
quartz countertops
stainless steel appliances
pantry
walk in pantry
laundry room
primary suite
ensuite bathroom
soaking tub
dual vanity
rain shower
ceiling fan
recessed lighting
gas range
barbeque
central ac
central ac
alarm system
intercom
single story
Listed on 11 Sep 2026

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    Property     UMINA BEACH     LGA

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UMINA BEACH Statistics

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Crime in suburb of Umina Beach NSW

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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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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.
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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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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.

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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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