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84 PINE STREET NORTH IPSWICH QLD 4305

HOUSE FOR SALE

$920,000

Estimated Valuation

84 PINE STREET NORTH IPSWICH QLD 4305 Property Photo
Bedrooms

3

Bathrooms

2

Car Space

2

Land Size

1,013 m²

Year Built

1900

Property Type

House

COMPARE LISTINGS
Added 14 hours ago
Listing Price

$899,000

Listed By
NGU Real Estate Ipswich Central
84 Pine Street is a stunning example of a fully renovated character home that successfully merges early 1900s charm with contemporary luxury living. With its in-ground pool, expansive entertaining alfresco area, and high-end interior finishes, this property offers an exceptional lifestyle on a generous 1,013m² allotment in North Ipswich.

Description

This circa 1900 character home in North Ipswich offers a unique blend of historical charm and modern functionality. Set on a spacious 1,013m² block, the property is framed by established gardens and a classic white picket fence. The exterior features a traditional front verandah with VJ detailing, leading to a comprehensive renovation inside that maintains the home's original personality through high ceilings and exposed timber elements.

The heart of the home is the renovated kitchen, featuring stone-look benchtops, a large island bench with bar seating, and Blaupunkt appliances. This space opens effortlessly into the living and dining areas via a striking barn-style sliding door. A butler's pantry/laundry adds practicality for daily living. The main living area benefits from hardwood floors, split-system air conditioning, and ample natural light.

The accommodation consists of three bedrooms. The master suite is a private retreat located behind the statement sliding door, complete with a walk-in robe and a renovated ensuite featuring a glass shower screen and vessel sink. Two additional bedrooms feature plush carpeting and ceiling fans. The property includes two beautifully renovated bathrooms with stone-look tiling and modern fixtures.

Outdoor living is a major highlight, with an enormous covered entertaining area that extends the living space. This alfresco zone includes an outdoor bar, perfect for entertaining, overlooking a landscaped backyard with an in-ground swimming pool and sandstone retaining walls. The property also offers two-car parking via side access and a garden shed.

Property Style & Condition

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

Key Features

Fully renovated character home
1,013m² allotment with established gardens
In-ground swimming pool with landscaped surrounds
Enormous covered alfresco entertaining area with outdoor bar
Renovated kitchen with stone-look benchtops and island
Master suite with walk-in robe and ensuite
Statement barn-style sliding door separating master suite
Original character features including high ceilings and VJ detailing
Hardwood floors in living areas
Two-car parking with side access
Butler''s pantry/laundry
Rinnai split-system air conditioning
Three bedrooms, two renovated bathrooms

Specifications

Property Details
Property Type House
Stories 1
Parking Type driveway, side access
Construction wood frame
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position corner lot
Views sunset
Rental Information
long term rental only

Exterior

pool
alfresco
outdoor kitchen
verandah
fenced yard
mature landscaping
shed
side access
retaining walls

Indoor

open floor plan
hardwood floors
kitchen island
walk in pantry
laundry room
primary suite
ensuite bathroom
rain shower
ceiling fan
recessed lighting
refrigerator
dishwasher
microwave
barbeque
split system
Listed on 22 Sep 2026

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    Property     NORTH IPSWICH     LGA

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NORTH IPSWICH Statistics

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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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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.
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rent cash flow + capital gain − all costs & tax
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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

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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