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63 HODGKINSON STREET CHARTERS TOWERS CITY QLD 4820

HOUSE FOR SALE

$950,000

Estimated Valuation

63 HODGKINSON STREET CHARTERS TOWERS CITY QLD 4820 Property Photo
Bedrooms

6

Bathrooms

4

Car Space

5

Land Size

954 m²

Year Built

1890

Property Type

House

COMPARE LISTINGS
Added 14 hours ago
Listing Price

$930,000

Listed By
Jensens Real Estate & Livestock - Charters Towers
This is a rare opportunity to own a heritage-listed Queenslander steeped in history and character in Charters Towers City. Featuring six bedrooms, a swimming pool, and original craftsmanship like marble floors and timber stairs, it offers significant potential for restoration or preservation.

Description

Located at 63 Hodgkinson Street in Charters Towers City, Qld, this property is a significant heritage-listed Queenslander built in the 1890s by William White. The residence features a striking exterior with ornate cast-iron balustrading and sweeping timber verandahs on both levels. Inside, the home offers six bedrooms and four bathrooms across two stories. The grand entrance foyer displays original black-and-white chequerboard Italian marble flooring and a turned timber staircase. Living areas are spacious, featuring high ceilings, polished timber floors, and multiple fireplaces. The kitchen has been recently renovated with modern green cabinetry and stainless steel appliances while maintaining the home's scale. The property includes unique features such as a cellar, butler's kitchen, and extensive verandahs. Outside, there is an in-ground swimming pool, a pool house, and parking for approximately four cars.

The condition of the property reflects its age; it is an established heritage home requiring maintenance to preserve its character. The interior features, including the marble floors and timber stairs, are well-preserved but show signs of wear consistent with a 130-year-old building. The exterior verandahs appear structurally sound but retain a traditional aesthetic.

Property Style & Condition

Overall
traditional
fair
Condition
Exterior
queenslander
good
Condition
Livingroom
traditional
fair
Condition
Bedrooms
traditional
fair
Condition
Kitchen
modern
excellent
Condition
Bathroom
traditional
good
Condition
Yard
landscaped
good
Condition

Key Features

Heritage-listed residence
Six bedrooms
Four bathrooms
Original Italian marble flooring
Turned timber staircase
In-ground swimming pool
Sweeping verandahs
Cellar
Butler''s kitchen
Fireplaces
Polished timber floors
Pool house
Approximately four car spaces

Specifications

Property Details
Property Type House
Architectural Style heritage,queenslander
Stories 2
Parking Type driveway
Construction wood frame
Windows single pane
Location & Setting
Setting suburban
Lot Position interior lot
Nearby Amenities
Near parks
Near shopping
Rental Information
short term rental allowed

Exterior

pool
deck
timber deck
patio
verandah
balcony
garden
outdoor kitchen
bbq area
shed
carport
double carport

Indoor

fireplace
hardwood floors
kitchen island
pantry
laundry room
primary suite
ensuite bathroom
ceiling fan
french doors
built in shelving
wine cellar
refrigerator
oven
dishwasher
fireplace
ceiling fan
double story
Listed on 25 Sep 2026

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    Property     CHARTERS TOWERS CITY     LGA

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CHARTERS TOWERS CITY Statistics

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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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A negatively geared property usually works best held by the higher earner; a positively geared one benefits from being split to the lower earner. This is general information only.
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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.

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