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7 186 BEECROFT ROAD CHELTENHAM NSW 2119

TOWNHOUSE FOR SALE

$N/A

Estimated Valuation

7 186 BEECROFT ROAD CHELTENHAM NSW 2119 Property Photo
Bedrooms

3

Bathrooms

2

Car Space

2

Land Size

-

Year Built

-

Property Type

TownHouse

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Added 6 hours ago
Listing Price

Price withheld

Listed By
Stone Real Estate - Beecroft / Castle Hill / Epping
Set in the boutique 'The Millner' complex, this stunning 3-bedroom townhome offers single-level living with a spacious 148sqm layout and premium Miele kitchen. Ideal for downsizers or families seeking privacy, it features polished blackbutt floors, skylights, and access to communal gardens, all within walking distance of Cheltenham Station.

Description

This luxurious townhome secures a set-back position within the boutique community 'The Millner', offering over 55's comfort with space, privacy, and contemporary ease. The residence presents an elegant architectural facade and impressively spacious 148sqm internal layout that exudes warmth with premium fittings and thoughtful updates. The home is balanced by the functionality of single-floor access to its living spaces, main bedroom suite, laundry, and garage. A stunning private landscaped terrace as well as access to communal all-seasons gardens complete this townhome, which sits just a 550m stroll from Cheltenham Recreation Club and Station.

Key features include an abundantly scaled skylit open living/dining area with custom cabinetry and shelving. The home boasts polished blackbutt hardwood flooring, plantation shutters, and Luxaflex blinds throughout. There is seamless flow to a private undercover alfresco terrace and landscaped gardens. The grand entertainers' kitchen features Caesarstone benchtops, soft-close storage, and premium Miele appliances including a gas cooktop, oven/warming drawer, and semi-integrated dishwasher.

The residence includes spacious wool carpeted bedrooms with double built-ins, with a walk-in wardrobe to one. The ground floor main bedroom offers a pleasant garden outlook and a renovated ensuite. Additional amenities include a generous internal laundry with a powder room, pebbled side yard, video intercom, ducted air conditioning, security front door, and a large understair closet. Parking consists of a double auto lock-up garage with internal access, rear workshop, and shelving.

The complex is secure and neatly maintained with visitor parking and mature greenery. The location offers proximity to schools including Cheltenham Girls High (approx. 450m) and Beecroft Shopping Village (1.7km), along with multiple private school options like Arden Primary and Secondary.

Property Style & Condition

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

Key Features

3 Bedrooms
2 Bathrooms
Double auto lock-up garage with internal access
148sqm internal layout
Single-floor access
Polished blackbutt hardwood flooring
Caesarstone benchtops
Miele gas cooktop, oven/warming drawer, and dishwasher
Splendit skylights in living/dining area
Private undercover alfresco terrace
Landscaped gardens (private and communal)
Ducted air conditioning
Video intercom
Security front door
Wool carpeted bedrooms with double built-ins
Walk-in wardrobe
Renovated main bedroom ensuite
Generous internal laundry with powder room
Rear workshop and shelving
Visitor parking in complex
550m to Cheltenham Recreation Club and Station

Specifications

Property Details
Property Type townHouse
Architectural Style contemporary
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
Nearby Amenities
Near train station
Near high school
Near parks
Near shopping
Rental Information
long term rental only

Exterior

alfresco
covered patio
mature landscaping
garden
workshop
security gate
intercom
side access
solar panels
gated community
visitor parking
mature landscaping

Indoor

open floor plan
hardwood floors
kitchen island
quartz countertops
stainless steel appliances
walk in closet
primary suite
ensuite bathroom
skylight
dual vanity
rain shower
built in shelving
laundry room
sliding glass doors
recessed lighting
refrigerator
oven
gas range
dishwasher
central ac
central ac
alarm system
video doorbell
smart locks
single story
Listed on 02 Oct 2026

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    Property     CHELTENHAM     LGA

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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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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 + gain after CGT, selling costs & loan payout
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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.

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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.

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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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