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60 VICTOR AVENUE VALENTINE NSW 2280

HOUSE FOR SALE

$1,600,000

Estimated Valuation

60 VICTOR AVENUE VALENTINE NSW 2280 Property Photo
Bedrooms

5

Bathrooms

4

Car Space

2

Land Size

561 m²

Year Built

1965

Property Type

House

COMPARE LISTINGS
Added 9 hours ago
Listing Price

$1,570,000

Listed By
Kathleen Matinlassi and Co
Discover the perfect blend of luxury and income potential in this Valentine retreat offering Lake Macquarie views. This spacious home features a main residence with 4 bedrooms, a separate lower-level Airbnb suite, and a resort-style outdoor area complete with a modern pool. Ideal for families or investors seeking a high-yield holiday rental property.

Description

This substantial family residence in Valentine, NSW, offers a unique combination of luxury living and investment potential on a spacious 561m² block. The home is designed for entertaining, featuring a stunning covered alfresco area that flows seamlessly from the large living room via stacking plantation doors. The property boasts views of Lake Macquarie, enhancing its appeal as a waterfront lifestyle retreat.

The interior features two distinct kitchens and two laundries, catering to both main living and the separate Airbnb/In-Law suite located on the lower level. The main kitchen is oversized, equipped with stone benchtops, a 6-burner gas stove, and an Ilve oven. Stylish hybrid flooring and original floorboards provide a mix of modern durability and classic charm, complemented by all-new LED lighting throughout.

Accommodation includes five bedrooms. The master suite is a king-sized retreat with mirrored wardrobes and a beautifully renovated ensuite featuring a skylight and double vanity. Bedrooms 2 and 3 are spacious, while Bedroom 4 serves as an office or guest room. The main family bathroom has been renovated with a soaking bath and double sink.

The lower level features a fully equipped Airbnb or In-Law living space with separate access to the pool. This area includes its own kitchenette, laundry, and renovated bathroom, offering potential for significant income generation ($290/night estimated in peak season). The outdoor area is centered around a concrete pool, approximately 5 years old, surrounded by elegant Travertine tiles and flat lawn areas suitable for play.

Practical features include solar panels for energy efficiency, split system air-conditioning in multiple rooms, and a shortened double garage with a separate toilet/shower plus a double carport. The property is built in 1965 but has been significantly renovated to modern standards.

Property Style & Condition

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

Key Features

5 Bedrooms, 4 Bathrooms
Separate Airbnb/In-Law Suite with kitchen and bathroom
Two fully-equipped kitchens and two laundries
Covered alfresco with views of Lake Macquarie
Concrete pool (approx. 5 years old) with Travertine tiles
Oversized main kitchen with stone benchtops and Ilve oven
Master suite with king-sized layout, mirrored wardrobe, and ensuite
Renovated family bathroom with soaking bath
Split system air-conditioning throughout
20 Solar panels for energy efficiency
Shortened double garage and double carport
Hybrid flooring and original floorboards
Flat outdoor areas suitable for trampoline/play area
Built in 1965

Specifications

Property Details
Property Type House
Architectural Style contemporary,modern
Stories 2
Parking Type attached garage, carport
Construction brick
Windows double pane,low e
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position interior lot
Views lake, sunset
Waterfront lakefront
Beach Proximity short drive
Nearby Amenities
Near beach
Near public transit
Near parks
Rental Information
short term rental allowed
current tenant occupied

Exterior

pool
deck
timber deck
covered patio
alfresco
fenced yard
colorbond fence
privacy fence
outdoor shower
double carport
solar panels
solar panels

Indoor

open floor plan
hardwood floors
tile floors
kitchen island
granite countertops
stainless steel appliances
laundry room
home office
primary suite
ensuite bathroom
soaking tub
dual vanity
skylight
ceiling fan
recessed lighting
sliding glass doors
built in shelving
refrigerator
oven
gas range
dishwasher
washer
dryer
garbage disposal
heat pump
split system
colorbond fence
double story
Listed on 23 Sep 2026

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    Property     VALENTINE     LGA

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VALENTINE Statistics

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Crime in suburb of Valentine NSW

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Safety Rank

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Overall Crime

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5-Year Crime Trend (2020 - 2024)

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Top 10 Offense Types (2024)

Victimization Probability

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Property Crime Chance 1 in X
State Average (Violent) 1 in 84

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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.

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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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