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684 INVERLOCH-KONGWAK ROAD WATTLE BANK VIC 3995

FARM FOR SALE

$1,420,000

Estimated Valuation

684 INVERLOCH-KONGWAK ROAD WATTLE BANK VIC 3995 Property Photo
Bedrooms

4

Bathrooms

2

Car Space

10

Land Size

4.21 m²

Year Built

-

Property Type

Farm

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Added 14 hours ago
Listing Price

$1,395,000

Listed By
Inverloch3996 | @realty - INVERLOCH
A massive rural holding in Wattle Bank offering 4 bedrooms and space for up to 10 vehicles, ideal for hobby farmers or families needing extensive workspace. While the interior features an outdated timber-heavy aesthetic that may require updating, the property boasts significant land size (4.21 hectares), solar power independence, and substantial outbuildings.

Description

This single-level residence is set on a sprawling 4.21-hectare property in the tranquil hinterland of Wattle Bank, designed for those seeking a self-sufficient rural lifestyle without sacrificing comfort. The home features cathedral ceilings that accentuate the vastness of the main living areas and an open-plan layout connecting the kitchen, dining, and lounge spaces. The kitchen is equipped with stone benchtops, white cabinetry, and ample pantry storage. A generous second lounge area (approx 6.8m x 7.5m) offers a dedicated retreat for relaxation or hosting.

The property comprises four bedrooms, including a master suite with a walk-in robe and ensuite, and a fourth bedroom currently utilized as an office, ideal for remote work. The interior style is standard to outdated, featuring extensive timber paneling on walls and ceilings (seen in the living areas) alongside tiled floors in entryways and hallways, creating a cozy but dated aesthetic. The condition appears fair; while maintained, the decor reflects an older era.

Externally, the home boasts extensive infrastructure, including a large undercover entertaining deck with remote patio blinds, wrap-around timber decks, and substantial parking for 10 vehicles within garaging and sheds—perfect for equestrian interests or hobby farming. The land is fenced and gated with productive veggie gardens and chicken coops. Energy independence is supported by a large solar array and battery storage system.

Property Style & Condition

Overall
outdated
fair
Condition
Exterior
farmhouse
good
Condition
Livingroom
outdated
fair
Condition
Bedrooms
standard
good
Condition
Kitchen
outdated
fair
Condition
Bathroom
outdated
fair
Condition
Yard
standard
good
Condition

Key Features

Single-level layout
Cathedral ceilings in living areas
Open-plan kitchen, dining, and lounge
Master suite with walk-in robe and ensuite
4th bedroom/office
Large undercover entertaining deck
Wrap-around timber decks
Parking for 10 vehicles (garaging/sheds)
Fenced and gated paddocks
Veggie gardens and chicken coops
Solar array with battery storage
Stone benchtops in kitchen
Timber paneling throughout

Specifications

Property Details
Property Type Farm
Stories 1
Parking Type detached garage, driveway
Construction wood frame
Windows double pane
Gas lpg gas
Internet nbn
Location & Setting
Setting rural
Lot Position corner lot
Views valley, forest
Beach Proximity short drive
Nearby Amenities
Near bus stop
Near primary school
Near supermarket
Near trails
Rental Information
long term rental only

Exterior

deck
timber deck
patio
covered patio
verandah
wrap around verandah
fenced yard
garden
shed
water tank
driveway
security gate
solar panels
battery storage
rainwater collection

Indoor

open floor plan
cathedral ceilings
fireplace
hardwood floors
tile floors
walk in closet
pantry
home office
primary suite
ensuite bathroom
ceiling fan
built in shelving
refrigerator
oven
dishwasher
fireplace
ceiling fan
gated entry
single story
Listed on 28 Aug 2026

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    Property     WATTLE BANK     LGA

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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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Interest on the borrowed deposit is also tax-deductible and is added to your gearing position. Your true out-of-pocket cash is reduced by whatever portion you borrow.
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Ownership structure & income splittingSole, joint (split income), company or trust?
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.
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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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

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Purchase Price
$850,000
AUD
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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 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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