Cumbalum at a glance
2,843
People
$1,190,000
Median sale
$1,107/wk
Median rent
4.84%
Suburb gross yield
Median sale from 11 recorded sales (last 24 months) — a Districts calculation.
NSW › Cumbalum › Hartigan St
$850,000–$900,000
For sale
Asking range
$700,000
Last sold
5 Sept 2023
0
Bedrooms
0
Bathrooms
1
Car spaces
812 m²
Land
Districts View
No detected risks — but see the checklist: absence of evidence is not an all-clear.
No verification items generated for this record.
Each line above is labelled. A fact is quoted from the named source, with its date. A calculation is worked out by Districts from those facts — you can check the arithmetic. An interpretation is Districts' opinion of what the evidence means, not a fact, a valuation, or advice. Anything we haven't retrieved yet is marked as missing rather than treated as a pass.
Price evidence
Asking
$850,000–$900,000
Asking range · $1,047/m² of land
Last recorded sale $700,000 (5 Sept 2023).
Local land rate: recorded Land sales in Cumbalum (last 5 years) with land size have a median of $1,000/m² of land (n=13). Districts calculation from recorded sales — not a valuation.
Cumbalum at a glance
2,843
People
$1,190,000
Median sale
$1,107/wk
Median rent
4.84%
Suburb gross yield
Median sale from 11 recorded sales (last 24 months) — a Districts calculation.
Vs Cumbalum
-28.6%
Median sale
Suburb $1,190,000
+1.93 pp
Gross yield
Suburb 4.84%
Suburb median $1,190,000 from 11 recorded sales (last 24 months) — a Districts calculation, not a portal figure.
Based on the low end of the asking range, not a contract price.
$36,529 on top of the price (4.3% extra)
Estimates only, at standard investor rates — no first-home or owner-occupier concessions applied. Not included: lenders mortgage insurance (usually applies when borrowing more than 80% of the price), loan application and settlement fees from your lender, the foreign-purchaser duty surcharge, and building insurance — in Queensland the property is at your risk from the first business day after signing, not from settlement. Verify with your conveyancer.
Stamp duty and transfer fees: New South Wales schedules from 2026-07-01. Ongoing council rates and land tax are not included.
Based on the low end of the asking range, not a contract price.
Pre-filled with Cumbalum's advertised median rent — not a rent for this listing.
Gross yield is weekly rent × 52 ÷ price. Net yield subtracts operating expenses. Cashflow then subtracts interest-only interest on price × LVR. Tax, vacancies, and principal repayments are not included.
Planning
Planning scheme
Ballina Local Environmental Plan 2012
Zone
Medium Density Residential
R3
Jurisdiction
Ballina
Ballina, NSW
Data unavailable
Source
Planning facts are copied from official government GIS where available. Where an official property PDF exists (VicPlan, PlanBuild), Districts stores and serves that original document. Neither is a planning certificate, survey, or advice.
Site
Terrain has not been calculated for this property yet.
Slope is calculated on a projected metric grid from a public DEM clip of the official parcel. This is not a survey, engineering, or insurance assessment.
Flood exposure has not been retrieved from any source for this property yet. Unknown is not the same as clear.
Bushfire exposure has not been retrieved from any source for this property yet. Unknown is not the same as clear.
The official layer was queried and no heritage listed area was detected on this parcel (NSW ePlanning Spatial Viewer, retrieved 1 Sept 2026). Mapped layers change — this is the strongest all-clear Districts can give, not a certificate.
Records
Events are recorded observations from public listings, kept with their source and date. Missing values are shown as unknown, never estimated.
Capital growth
NSWZoned Medium Density Residential · R3 (Ballina Local Environmental Plan 2012). Official parcel area about 814 m². Dual occupancy is a permitted housing type in this NSW zone under statewide settings, subject to DCP and site constraints. That is not confirmation this lot qualifies. Two-lot subdivision is unknown without minimum lot size and frontage. This is a screen, not a planning certificate. If the dual occupancy pathway survives a planner’s check, this lot can outperform a same-suburb house that is hold-as-is only. That is not a forecast. Funded catalyst catchments are not loaded. A TOD badge is not this product.
Flood overlay has not been queried for this lot. Missing layer is unknown, not “no.” Minimum lot size is not loaded, so two-lot subdivision is not confirmed. NSW has a statewide DA API. Nearby (100–800 m) applications are not loaded for this property yet.
Rental
No advertised rent is recorded. Suburb median rent $1,107/week — not this address. An inferred likely-rent range is not shown until official bond series are loaded for this dwelling type and bedrooms. No recorded off-street parking — often a discount versus the suburb median for the same beds.
Current comparable rental listings within 400 m of this lot are not loaded. NSW has a statewide DA API. Nearby (100–800 m) applications are not loaded for this property yet. Supply pressure needs comparable listings near this lot plus a nearby DA pipeline. Neither is loaded. Suburb vacancy or leased-tape days are not this property’s competition.
Gross yield if leased at the suburb aggregate is 6.8%. The yield that matters is the one on achieved rent, which has not been inferred for this address. Net yield (land tax, rates, insurance, vacancy) is not loaded. NSW net yield needs land tax and VG inputs that are not loaded. Gross yield from listings is not net yield.
Verdict
Districts view
This looks more compelling as a land / capital-growth play than a pure yield play — if the dual occupancy pathway survives a planner’s check.
Detail
Zoned Medium Density Residential · R3 (Ballina Local Environmental Plan 2012). Official parcel area about 814 m². Dual occupancy is a permitted housing type in this NSW zone under statewide settings, subject to DCP and site constraints. That is not confirmation this lot qualifies. Two-lot subdivision is unknown without minimum lot size and frontage. This is a screen, not a planning certificate.
Achieved rent for this address has not been inferred. Gross yield on advertising copy is not the deal.
Nearby DA pipeline is unknown, so neighbourhood change is not in this verdict.
Evidence
Districts asks the same ten questions of every property. If one shows as unknown, that data isn't published for this state or hasn't been loaded yet — the question stays visible so you can see exactly what's missing.
3 of 10 questions answered so far
Development optionality of this lot
KnownmediumZoned Medium Density Residential · R3 (Ballina Local Environmental Plan 2012). Official parcel area about 814 m². Dual occupancy is a permitted housing type in this NSW zone under statewide settings, subject to DCP and site constraints. That is not confirmation this lot qualifies. Two-lot subdivision is unknown without minimum lot size and frontage. This is a screen, not a planning certificate.
Nearby development pipeline
UnknownNSW has a statewide DA API. Nearby (100–800 m) applications are not loaded for this property yet.
Honest achievable rent
KnownlowThis is not “bond data says this address leases for $X.” The comparable figure is a suburb advertised/median rent, not this property. Official bond files (postcode or suburb × type × bedrooms) are not loaded yet.
Rental supply pressure
UnknownSupply pressure needs comparable listings near this lot plus a nearby DA pipeline. Neither is loaded.
Why is this cheap?
KnownmediumOfficial parcel about 814 m² — land size can look like optionality. No material overlays were returned that would explain a discount. That is not proof the price is fair. Nearby DAs, easements, and flood-layer gaps can still explain a cheap-looking listing — those are not all loaded.
Lot-level flood
UnknownFlood overlay has not been queried for this lot. Missing layer is unknown, not “no.”
Catalyst exposure
UnknownFunded catalyst catchments are not loaded. A TOD badge is not this product.
This lot's DA history
UnknownNo DA adapter returned applications for this parcel.
Statutory land value versus ask
UnknownNSW Valuer General land values are not loaded for this property yet.
Net yield / holding costs
UnknownNSW net yield needs land tax and VG inputs that are not loaded. Gross yield from listings is not net yield.
Area
Cumbalum at a glance
2,843
People
$1,190,000
Median sale
$1,107/wk
Median rent
4.84%
Suburb gross yield
Median sale from 11 recorded sales (last 24 months) — a Districts calculation.
Listing material
Listed by McGrath BallinaJust two years old and beautifully presented, this contemporary home offers all the benefits of modern living without the wait of building. Positioned on a quiet corner within the growing community of Cumbalum, it combines a practical floorplan, modern interiors and an easy-care design to create a home that's ready to simply move in and enjoy.
The light-filled open plan kitchen, living and dining area forms the heart of the home, flowing effortlessly to the outdoors and providing a welcoming space for everyday living and entertaining. Generous bedrooms, modern conveniences and a secure, low-maintenance yard make this an ideal home for families, first home buyers, downsizers or investors.
Enjoy the relaxed Cumbalum lifestyle, with parks, playgrounds and walking trails nearby, while remaining just minutes from schools, Ballina CBD, shopping centres, cafés and the region's stunning beaches.
- Near-new home, only two years old
- Three generous bedrooms, all with built-in wardrobes
- Master bedroom with private ensuite
- Light-filled open plan kitchen, living and dining area
- Modern kitchen with stone benchtops, overhead cabinetry and quality appliances
- Two bathrooms, including the main with shower and relaxing soaker bath
- Air conditioning and ceiling fans throughout for year-round comfort
- Single lock-up garage with secure internal access
- Fully fenced, low-maintenance front yard ideal for children and pets
- Move-in ready with nothing further to spend
- Peacefully positioned on a corner block in a family-friendly neighbourhood
- Close to parks, walking trails, schools, Ballina CBD and beautiful local beaches
Listing description written by Justine Smith, McGrath Ballina — reproduced as published, not verified by Districts.
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