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92 DEWHURST STREET WERRIS CREEK NSW 2341

HOUSE FOR SALE

$490,000

Estimated Valuation

92 DEWHURST STREET WERRIS CREEK NSW 2341 Property Photo
Bedrooms

3

Bathrooms

2

Car Space

6

Land Size

988.7 m²

Year Built

1910

Property Type

House

COMPARE LISTINGS
Added 11 hours ago
Listing Price

$485,000

Listed By
PRD Liverpool Plains
This circa 1910 former schoolhouse in Werris Creek offers a rare blend of heritage character and rural living potential. With its unique history, extensive outbuildings for hobbies or workshops, and established grounds, it is an ideal project for those seeking a story-rich property with significant land size.

Description

Located in the heart of Werris Creek, this unique circa 1910 residence offers a rare opportunity to own a piece of local history. Originally built as a school and transformed into a family home, the property blends heritage character with modern comfort. The exterior features a classic cottage aesthetic with an established garden setting, mature trees, and extensive outbuildings including a double Colorbond garage, additional carports, and workshop space suitable for hobbyists or commercial use. Inside, the home boasts high ceilings and pressed metal details in the lounge room and bedrooms, creating a distinct period atmosphere. The main living area includes a spacious lounge with a three-way combustion fireplace system that also heats the main bedroom and spare bedroom. Modern updates include a functional kitchen with ample storage and soft-close cabinetry, as well as laminate-style flooring in the main areas. The home contains three bedrooms, all carpeted, with the main bedroom featuring an arched window and built-in storage. Two split-system air conditioners are present in the lounge and one bedroom, though the sunroom unit is noted as non-functional. The property includes two bathrooms; one appears to be a standard family bathroom with a shower over bath (Photo 10), while the second is a separate toilet/shower facility likely in the workshop or rear area (Photo 13). The backyard is expansive, featuring a solar power system with approximately 22-24 panels and multiple garden sheds. While the property has significant history and potential, buyers should note that some features are dated and require inspection.

Property Style & Condition

Overall
traditional
fair
Condition
Exterior
cottage
good
Condition
Livingroom
traditional
fair
Condition
Bedrooms
standard
fair
Condition
Kitchen
standard
good
Condition
Bathroom
traditional
fair
Condition
Yard
landscaped
good
Condition

Key Features

Historic circa 1910 former schoolhouse
Three bedrooms with carpet flooring
Two bathrooms
Functional kitchen with soft-close cabinetry and electric appliances
Spacious lounge room with high ceilings and three-way fireplace
Pressed metal ceilings in main areas
Laminate-style flooring in living areas
Solar power system (22-24 panels)
Double Colorbond garage and additional carports
Workshop/locker room at the rear
Four concrete-floored garden sheds
Greenhouse and mature orange tree
Split-system air conditioning (partial functionality noted)

Specifications

Property Details
Property Type House
Architectural Style heritage,rustic
Stories 1
Parking Type attached garage, carport
Construction brick,wood frame
Windows single pane
Gas propane
Internet satellite
Location & Setting
Setting rural
Lot Position interior lot
Views valley, mountain
Nearby Amenities
Near trails
Near parks
Rental Information
long term rental only

Exterior

fenced yard
colorbond fence
mature landscaping
garden
rainwater tank
workshop
shed
double carport
solar panels
clothesline
solar panels
rainwater collection

Indoor

fireplace
tile floors
carpet
kitchen island
laundry room
home office
ceiling fan
built in shelving
refrigerator
oven
washer
dryer
radiant
split system
fenced yard
single story
Listed on 28 Aug 2026

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    Property     WERRIS CREEK     LGA

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WERRIS CREEK Statistics

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Property Price History

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Crime in suburb of Werris Creek NSW

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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.
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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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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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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