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50 PALM STREET ROWES BAY QLD 4810

HOUSE FOR SALE

$2,650,000

Estimated Valuation

50 PALM STREET ROWES BAY QLD 4810 Property Photo
Bedrooms

5

Bathrooms

3

Car Space

2

Land Size

805 m²

Year Built

-

Property Type

House

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Added 11 hours ago
Listing Price

Offers Over $2,499,000

Listed By
McDonough Property Townsville - TOWNSVILLE CITY

A stunning five-bedroom coastal residence offering an exceptional lifestyle with direct views of Magnetic Island and proximity to the beach. This property stands out for its versatile layout, including a self-contained guest suite, extensive entertaining areas with a pool and pavilion, and high-end finishes throughout.

Description

This striking five-bedroom family residence is perfectly positioned in a prime Rowes Bay location with sweeping coastal views towards Magnetic Island and Pallarenda Beach. The property features a crisp white exterior façade set on a generous 805sqm block, framed by established landscaping and lush lawns. A significant highlight is the private swimming pool with an adjoining timber deck and elevated timber pavilion, providing ample space for outdoor entertaining.

Upon entering, the interiors present a fresh, modern aesthetic following a recent internal repaint and the installation of new Karndean hybrid flooring. The open-plan living zone seamlessly connects the main living area, dining space, and kitchen. The kitchen is equipped with sleek white cabinetry, a deep pantry, an induction cooktop, and integrated under-bench wine fridges alongside a plumbed refrigerator. High-quality finishes are evident throughout, including Luxaflex blinds, plantation shutters, and new Crimsafe security doors and windows.

The ground floor offers versatility with a self-contained guest or multigenerational zone located towards the rear, complete with its own living area, bedroom, ensuite, kitchenette, and laundry. A secondary bedroom is positioned near the front, along with an additional laundry and powder room.

Upstairs, the home continues to impress with three additional bedrooms, two bathrooms, a second living area, and an expansive balcony capturing the coastal outlook. The master suite is exceptionally spacious, featuring a substantial walk-in wardrobe and a luxurious ensuite with floor-to-ceiling tiling and a dual vanity. A separate main bathroom includes a freestanding bath and shower.

Outside, the property extends beyond the pool area to a generous backyard suitable for children and pets. Vehicle accommodation is impressive, featuring a drive-through double garage leading to a substantial concrete area with access to a large shed equipped with industrial racking and boat storage. The home is further enhanced by a 28.6kW solar system with a Sigenergy inverter and battery, along with automatic irrigation.

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

Prime Rowes Bay position directly facing the water with views towards Magnetic Island
Swimming pool with adjoining timber deck and elevated entertaining pavilion
Five bedrooms, three bathrooms and multiple living areas across two levels
Expansive upstairs balcony with direct access from the impressive master suite
Drive-through double garage with rear access to a large shed with industrial racking and boat accommodation
28.6kW solar system with three-phase inverter and 10kWh battery
Fresh internal repaint, new Karndean hybrid flooring and new Crimsafe doors and windows
Self-contained guest/multigenerational living zone on the ground floor
Open plan kitchen with induction cooktop, wine fridges and deep pantry
Generous backyard with lush lawns and privacy

Specifications

Property Details
Property Type House
Architectural Style contemporary,coastal
Stories 2
Parking Type attached garage
Construction brick
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position waterfront lot
Views ocean panoramic, sunset
Waterfront oceanfront
Beach Proximity within walking distance
Nearby Amenities
Near beach
Near parks
Rental Information
long term rental only

Exterior

pool
timber deck
patio
verandah
balcony
alfresco
outdoor kitchen
bbq area
fenced yard
privacy fence
irrigation system
mature landscaping
garden
shed
driveway
solar panels
battery storage

Indoor

open floor plan
kitchen island
walk in pantry
wine cellar
ensuite bathroom
dual vanity
rain shower
ceiling fan
recessed lighting
sliding glass doors
built in shelving
refrigerator
oven
induction cooktop
wine fridge
heat pump
split system
ceiling fan
smart locks
double story
Listed on 09 Sep 2026

Property Location Map

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    Property     ROWES BAY     LGA

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ROWES BAY Statistics

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Property Price History

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Market Activity (Sales Volume)

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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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Age Distribution Profile

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Income vs Cost of Living

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Crime in suburb of Rowes Bay QLD

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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

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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?
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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.
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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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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