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8A WALLAWA ROAD NELSON BAY NSW 2315

DUPLEX FOR SALE

$N/A

Estimated Valuation

8A WALLAWA ROAD NELSON BAY NSW 2315 Property Photo
Bedrooms

3

Bathrooms

2

Car Space

2

Land Size

-

Year Built

-

Property Type

Duplex

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Added 7 hours ago
Listing Price

Price withheld

Listed By
Raine & Horne - Port Stephens
Spectacular coastal views define this impressive four-level duplex in Nelson Bay, offering an expansive living experience with three spacious balconies and soaring ceilings. This versatile property is perfect for buyers seeking a low-maintenance lifestyle just steps from the beach or investors eyeing holiday let potential.

Description

This impressive four-level duplex located at 8a Wallawa Road in Nelson Bay is privately positioned to capture sweeping water views across the bay from multiple vantage points. The residence is designed to maximize its spectacular coastal setting, offering an enviable combination of space, versatility, and relaxed living. Thoughtfully designed across four levels, the home provides multiple living zones, three generous balconies, and a lower-level patio with garden area. High ceilings and abundant natural light enhance the sense of scale throughout.

The interior features a well-appointed open-plan kitchen with a breakfast bar that flows seamlessly into the dining area. The oversized main living room boasts soaring ceilings and direct access to the first alfresco entertaining deck. There is also an additional living zone opening to a private balcony and flowing through to a concrete courtyard. Three spacious balconies are strategically positioned to capture the spectacular water outlook, along with a lower-level patio.

Accommodation consists of three generous bedrooms, each featuring built-in wardrobes. The adult retreat is particularly spacious, complete with a walk-in wardrobe, recently renovated ensuite, and private balcony access capturing stunning bay views. The property includes two bathrooms: a main bathroom with a spa bath and the recently renovated ensuite.

Exterior features include a single lock-up garage plus an additional carport. The low-maintenance grounds are north-facing, designed for easy-care living. Ideally located just 450m to dog-friendly Bagnall Beach and under 600m to Dutchmans Beach, this home presents a seamless lifestyle or investment opportunity.

Property Style & Condition

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

Key Features

Four levels of living space
Sweeping water views across the bay
Three spacious bedrooms with built-in wardrobes
Adult retreat with walk-in wardrobe and private balcony
Recently renovated ensuite
Main bathroom with spa bath
Oversized main living room with soaring ceilings
Open-plan kitchen with breakfast bar
Dining area flowing to outdoor spaces
Additional living zone with concrete courtyard access
Three balconies capturing water outlooks
Lower-level patio and garden area
Single lock-up garage plus carport
North-facing low-maintenance outdoor areas
High ceilings and abundant natural light
Potential for holiday let
Close proximity to Bagnall Beach and Dutchmans Beach

Specifications

Property Details
Property Type Duplex
Stories 4+
Parking Type attached garage, carport
Construction brick
Windows double pane
Location & Setting
Setting suburban
Lot Position interior lot
Views ocean panoramic, bay
Waterfront bayfront
Beach Proximity within walking distance
Nearby Amenities
Near beach
Near marina
Near shopping
Rental Information
short term rental allowed

Exterior

balcony
deck
patio
alfresco
carport
double carport
driveway
garden
privacy fence

Indoor

open floor plan
vaulted ceilings
high ceilings
walk in closet
kitchen island
ensuite bathroom
sliding glass doors
balcony
ceiling fan
dishwasher
microwave
washer
dryer
split system
Listed on 25 Sep 2026

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    Property     NELSON BAY     LGA

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NELSON BAY Statistics

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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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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.
Borrowing capacity & serviceabilityCan you actually get the loan? Lender stress test.
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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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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.

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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Disclaimer: This calculator provides estimates only. It assumes interest rates remain constant for the life of the loan and does not account for offset accounts or extra repayments. Refinance costs vary by lender and state (typically including a discharge fee, application fee, and government mortgage registration fees). If your loan balance is above 80% of your property's value, you may also be required to pay Lenders Mortgage Insurance (LMI) when refinancing. Always seek professional financial advice.

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