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57 SHOREBREAK WAY OCEAN GROVE VIC 3226

HOUSE FOR SALE

$1,180,000

Estimated Valuation

57 SHOREBREAK WAY OCEAN GROVE VIC 3226 Property Photo
Bedrooms

4

Bathrooms

2

Car Space

2

Land Size

489 m²

Year Built

2021

Property Type

House

COMPARE LISTINGS
Added 8 hours ago
Listing Price

$1,150,000 - $1,250,000

Listed By
Fletchers - Bellarine
Immaculately presented and built just three years ago, this contemporary four-bedroom family home in the popular Kingston Coast Estate features 2.7m-high ceilings, engineered timber floors, and a high-end kitchen with all-Smeg appliances. The property offers exceptional indoor-outdoor flow via a north-facing alfresco area and includes a flexible double garage, making it an ideal choice for families seeking coastal convenience and modern luxury.

Description

This immaculately presented contemporary four-bedroom family home in Ocean Grove's Kingston Coast Estate offers an exceptional blend of space, quality, and coastal convenience. Built approximately three years ago, the residence features a beautifully resolved single-level floorplan designed to separate a private parents' retreat from a dedicated children's wing. Upon entry, 2.7m-high ceilings and raised doors amplify the sense of light and volume throughout the home, complemented by warm engineered timber floors.

At the heart of the home lies a generous open-plan living and dining domain anchored by a mammoth stone-topped kitchen island with waterfall edges. The kitchen serves as a true family hub, equipped with all-Smeg appliances including a 900mm upright oven and dishwasher, plus a large walk-in pantry. North-facing glazing draws natural light deep into the room, opening to a covered alfresco patio fitted with a ceiling fan and tracked blinds for year-round entertaining.

The main bedroom acts as a genuine retreat, zoned alongside a second living room. It features a walk-in robe and a luxe, fully tiled ensuite complete with a stone-topped vanity, WC, and an oversized shower with recess. The rear of the home houses the children's wing, which includes three bedrooms with built-in robes, a third living room with a built-in desk ideal for homework, and a matching family bathroom featuring a freestanding tub, fully tiled finish, and separate WC.

Outdoors, the 490sqm (approx.) landscaped block offers grassy space bathed in all-day sun. The double garage features carpet tiles, allowing it to double as a games room, home gym, or additional living zone. Year-round comfort is assured with double glazing, ducted heating, split-system air conditioning, and ceiling fans in all bedrooms. Located near open parkland, Kingston Village, local schools, and Ocean Grove’s beaches, this superbly finished home offers a relaxed yet refined lifestyle.

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

Four bedrooms
Three living zones
2.7m-high ceilings
Raised doors
Engineered timber floors
All-Smeg appliances including 900mm upright oven
Mammoth stone-topped island with waterfall edges
Large walk-in pantry
North-facing alfresco patio with ceiling fan and tracked blinds
Parents'' retreat with second living room
Walk-in robe in main bedroom
Luxe fully tiled ensuite with stone-topped vanity
Children''s wing with built-in desk
Family bathroom with freestanding tub
Double garage with carpet tiles (flexible space)
Double glazing
Ducted heating and split-system air conditioning
Landscaped north-to-rear block (approx. 490sqm)

Specifications

Property Details
Property Type House
Architectural Style Contemporary,Modern
Stories 1
Parking Type attached garage
Construction brick
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position interior lot
Views park
Beach Proximity short drive
Nearby Amenities
Near beach
Near parks
Near schools
Near shopping
Rental Information
long term rental only

Exterior

timber deck
patio
covered patio
alfresco
fenced yard
colorbond fence
landscaped
garden
double carport
solar panels
gated community

Indoor

open floor plan
kitchen island
walk in pantry
primary suite
ensuite bathroom
soaking tub
dual vanity
rain shower
ceiling fan
recessed lighting
built in shelving
hardwood floors
refrigerator
oven
dishwasher
barbeque
central
split system
intercom
single story
Listed on 30 Sep 2026

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    Property     OCEAN GROVE     LGA

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OCEAN GROVE Statistics

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Property Price History

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Market Activity (Sales Volume)

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Education Quality & Safety Index

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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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Crime in suburb of Ocean Grove VIC

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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

Schools within the catchment Ocean Grove VIC

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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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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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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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