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98 MOORA ROAD RUSHWORTH VIC 3612

ACREAGE FOR SALE

$340,000

Estimated Valuation

98 MOORA ROAD RUSHWORTH VIC 3612 Property Photo
Bedrooms

1

Bathrooms

1

Car Space

2

Land Size

4,046.86 m²

Year Built

-

Property Type

Acreage

COMPARE LISTINGS
Added yesterday
Listing Price

$330,000 - $360,000

Listed By
Bolton Estate Agents
Discover endless potential in this one-acre period-style cottage featuring dual frontage and substantial outbuildings. With its established gardens, large workshop shed, and flexible interior layout, this property is perfect for buyers looking to add value through renovation or creative subdivision.

Description

Set on a magnificent one-acre allotment with the rare advantage of dual frontage, this character-filled period-style cottage offers substantial scope for creative renovation. The property is located only minutes from the heart of historic Rushworth. Inside, the cottage presents a comfortable living environment featuring a lounge and dining area that incorporates the kitchen. While the kitchen features character panelled walls, it includes a new electric stove, walk-in pantry, and an abundance of natural western light. A split-system air conditioner provides cooling, while a wood heater offers heating comfort.

The existing bedroom is versatile enough to serve as a study or part of a future extension plan. The bathroom is currently positioned externally, just beyond the rear door, presenting an opportunity to incorporate improved facilities into any future renovation. The exterior reveals established grounds with mature palms and gum trees creating a wonderful country atmosphere. A substantial powered and concreted shed (approx 12m x 6m) provides an outstanding workshop or storage area, complete with cold water connections. Additional features include an older bungalow requiring attention and approximately 20,000 litres of rainwater storage.

The property connects to town water and sewerage, ensuring modern conveniences despite its period charm. The layout offers flexibility for subdivision (subject to council approval) or creating a larger new home while retaining the original cottage for accommodation or rental income. This is an ideal project for those seeking space, character, and future possibilities on a generous block of land.

Property Style & Condition

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outdated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

Key Features

One-acre allotment
Dual frontage
Period-style cottage
Established gardens with mature palms and gum trees
Substantial powered shed (12m x 6m)
Split-system air conditioning
Wood heater
New electric stove
Walk-in pantry
Character panelled walls
External bathroom
Older bungalow for storage or renovation
Approximately 20,000 litres rainwater storage
Town water and sewerage connection

Specifications

Property Details
Property Type Acreage
Architectural Style colonial,federation,victorian
Stories 1
Parking Type detached garage, driveway
Construction weatherboard
Windows single pane
Gas lpg gas
Internet nbn
Location & Setting
Setting rural
Lot Position corner lot
Nearby Amenities
Near parks
Near shopping
Rental Information
long term rental only

Exterior

verandah
mature landscaping
garden
rainwater tank
workshop
shed
fenced yard
colorbond fence
rainwater collection

Indoor

open floor plan
fireplace
hardwood floors
walk in pantry
built in shelving
microwave
washer
dryer
heat pump
split system
single story
Listed on 12 Sep 2026

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    Property     RUSHWORTH     LGA

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RUSHWORTH Statistics

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Property Price History

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Education Quality & Safety Index

School Quality (ICSEA) vs Safety Index.

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High Owner Occupier % and Family Household %.

Livability Scores

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Crime Breakdown vs State Average

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Age Distribution Profile

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Crime in suburb of Rushworth VIC

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Population

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Crimes Committed

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Crime Rate

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Safety Rank

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Overall Crime

-

5-Year Crime Trend (2020 - 2024)

Crime Composition (2024)

Violent vs Property vs Other

Top 10 Offense Types (2024)

Victimization Probability

Violent Crime Chance 1 in X
Property Crime Chance 1 in X
State Average (Violent) 1 in 84

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The True Cost of Buying this Property

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  Investment Viability Engine · 2026 Tax Rules

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Fill in the essentials on the left. The verdict and your projected take-home profit update live on the right.

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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 + 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.

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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Calculating…
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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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