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5 SURFSIDE COURT MIDDLETON SA 5213

HOUSE FOR SALE

$2,900,000

Estimated Valuation

5 SURFSIDE COURT MIDDLETON SA 5213 Property Photo
Bedrooms

4

Bathrooms

2

Car Space

4

Land Size

901 m²

Year Built

2015

Property Type

House

COMPARE LISTINGS
Added 9 hours ago
Listing Price

$2,750,000 - $3,000,000

Listed By
Elders Real Estate - Victor Harbor RLA 62833
Experience the ultimate in relaxed seaside living in this architecturally designed beachfront home at Middleton Beach. With its 180-degree ocean views, modern luxury finishes, and expansive open-plan living, this property offers a rare opportunity to secure a substantial residence in one of the area's most coveted locations.

Description

This exceptional architectural residence is set directly on the Esplanade at Middleton Beach, offering an irreplaceable beachfront position with only a green reserve and walking trail separating the home from the Southern Ocean. Built in 2015 by James Michael Homes, this substantial two-story property features high-quality construction and thoughtful design intended to capture sweeping 180-degree coastal panoramas of Middleton Point and Port Elliot. The home is designed around the ocean with full-height, double-glazed windows and doors that flood the interior with natural light.

The main living area on the upper level boasts soaring ceilings, bamboo timber flooring, and a spacious open-plan layout. It features a gourmet kitchen equipped with stone benchtops, an island bench, and quality appliances including a double oven. The living spaces are designed for entertaining, with large sliding glass doors leading to a full-length glass-fronted balcony perfect for sunset drinks and coastal lunches.

Accommodation includes four generous bedrooms. The master suite is positioned at the front of the home, offering spectacular ocean views, access to the balcony, a walk-in robe, and a private ensuite. Three additional double bedrooms are located downstairs, complemented by a second living area or TV room, all positioned to enjoy the ocean outlook. A separate powder room is conveniently located at the top of the stairs.

Outside, the property offers excellent practicality with a large undercover double garage, a separate storage/workshop area, and external access to an outdoor shower. The rear alfresco area provides year-round sheltered entertaining. Additional features include solar power, rainwater plumbing throughout, ducted reverse-cycle air conditioning, and rendered Hebel brick construction.

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
good
Condition

Key Features

Absolute beachfront position on the Esplanade
Sweeping 180-degree coastal and ocean panoramas
Built in 2015 by James Michael Homes
Double-glazed, full-height windows and doors
Bamboo timber flooring
Gourmet kitchen with stone benchtops and island bench
Double oven and quality appliances
Four bedrooms including a front-positioned master suite
Private balcony access from the master bedroom
Second living area or TV room downstairs
Stylish family bathroom with external access to outdoor shower
Solar power and rainwater plumbed throughout
Ducted reverse-cycle air conditioning
Rendered Hebel brick construction
Security alarm
Large undercover double garage with high clearance
Separate workshop/storage area
Outdoor shower with hot and cold water

Specifications

Property Details
Property Type House
Architectural Style modern,architectural
Stories 2
Parking Type attached garage
Construction brick
Windows double pane,floor to ceiling
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position waterfront lot
Views ocean panoramic, sunset
Waterfront oceanfront
Beach Proximity beachfront
Nearby Amenities
Near beach
Near trails
Rental Information
vacation rental licensed

Exterior

balcony
alfresco
outdoor shower
workshop
double carport
rainwater tank
fenced yard
mature landscaping
garden
solar panels
rainwater collection
walking trails

Indoor

open floor plan
vaulted ceilings
cathedral ceilings
hardwood floors
kitchen island
granite countertops
stainless steel appliances
laundry room
primary suite
ensuite bathroom
dual vanity
rain shower
ceiling fan
recessed lighting
sliding glass doors
built in shelving
refrigerator
oven
double oven
microwave
dishwasher
heat pump
central ac
alarm system
double story
Listed on 10 Sep 2026

Property Location Map

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    Property     MIDDLETON     LGA

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MIDDLETON 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

Walkability, Transit Access, and Green Space.

Crime Breakdown vs State Average

Key crime categories per 100K residents.

Local School ICSEA Scores

Individual school ICSEA scores vs national average (1000).

Age Distribution Profile

Population age bands.

Household Composition

Couples with kids, couples without, single parent, etc.

Health & Wellbeing Indicators

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Commute & Transport Mix

How residents get to work: car, train, bus, walk, WFH.

Environment & Natural Hazards

Air quality, tree canopy, parks coverage.

Income vs Cost of Living

Median household income compared to weekly expenses.

Childcare Availability & Quality

Centres count, NQS ratings, avg daily fees.

Economy & Income

Location Profile

Education

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Local Places & Amenities

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Crime in suburb of Middleton SA

Exclusive access to crime statistics from 2020 to 2025.

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

Schools within the catchment Middleton SA

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Fully updated to reflect the latest Federal Budget provisions, it analyses rental yield, cash flow, and overall Return on Investment (ROI), giving you the clarity to assess whether a property truly aligns with your financial objectives.

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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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.

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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