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NSW › Surf Beach › Highlands Ave

10 Highlands Ave, Surf Beach NSW 2536

For saleHouse for Sale

$1,630,000

For sale

Asking

4

Bedrooms

2

Bathrooms

4

Car spaces

8,335 m²

Land

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $1,630,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $1,630,000(Listing record · 25 Aug 2026)
  • CalculationLand 8,335 m² against a 264 m² dwelling — the land is most of what is being bought.(Districts calculation)
  • CalculationAsk is 109% above the Surf Beach median recorded sale ($780,000, n=22, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Surf Beach's advertised median rent ($500/wk), implied gross yield would be 1.60% — this is not a rent for this listing.(Districts scenario calculation)

What could make it worth more?

  • InterpretationA large lot with a small dwelling means the value case rests on the land and what the zone allows on it, not the house.

What could make it worth less?

No detected risks — but see the checklist: absence of evidence is not an all-clear.

What should you verify next?

  1. 1Official planning layers are still retrieving for this parcel — check back before relying on zoning or overlay absence.
  2. 2No hazard layer has been retrieved — confirm flood, bushfire and heritage exposure from council mapping before an offer.

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

The ask against the evidence

Asking

$1,630,000

Asking · $196/m² of land

No recorded sale for this property.

Surf Beach at a glance

1,834

People

$780,000

Median sale

$500/wk

Median rent

3.33%

Suburb gross yield

Median sale from 22 recorded sales (last 12 months) — a Districts calculation.

See the full Surf Beach report →

Vs Surf Beach

+109.0%

Median sale

Suburb $780,000

-1.73 pp

Gross yield

Suburb 3.33%

Suburb median $780,000 from 22 recorded sales (last 12 months) — a Districts calculation, not a portal figure.

Total cost to purchase

Purchase Price
$1,630,000
Stamp Duty (New South Wales)
$71,662
Transfer/Registration Fee
$167
Mortgage Registration (est., if financed)
$200
Legal & Conveyancing (est.)
$2,000
Building & Pest Inspection (est.)
$700
Rates & Water Adjustment at Settlement (est.)
$800
Total cash required
$1,705,529

$75,529 on top of the price (4.6% extra)

  • Stamp Duty (New South Wales)
  • Transfer/Registration Fee
  • Mortgage Registration
  • Legal & Conveyancing
  • Building & Pest Inspection
  • Rates & Water Adjustment

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.

Rental yield

Pre-filled with Surf Beach's advertised median rent — not a rent for this listing.

Net yield
0.10%
Annual cashflow (pre-tax)
$-83,210
Interest cover (DSCR)
0.02
Annual rent
$26,000
Operating expenses
$24,450
Loan amount
$1,304,000
Annual interest
$84,760
Gross yield
1.60%

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.

Open the full yield calculator →

Planning

Planning and development

Planning data is being calculated

Development activity

Data unavailable

Source

  • Provider: unavailable
  • Dataset: unavailable
  • Retrieved: not yet retrieved
  • Version: planning-v1

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

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, bushfire and heritage

i

Flood

Not retrieved

Flood exposure has not been retrieved from any source for this property yet. Unknown is not the same as clear.

Bushfire

Not retrieved

Bushfire exposure has not been retrieved from any source for this property yet. Unknown is not the same as clear.

Heritage

Not retrieved

Heritage listing has not been retrieved from any source for this property yet. Unknown is not the same as clear.

Records

Property history

  1. Listed$1,630,000available25 Aug 2026

Events are recorded observations from public listings, kept with their source and date. Missing values are shown as unknown, never estimated.

Capital growth

NSW

Why this lot, not just this suburb

Why could this property outperform?

Planning layers have not been retrieved for this property yet. A suburb median or growth rate is not a reason this particular lot would outperform. Funded catalyst catchments are not loaded. A TOD badge is not this product.

What could kill that thesis?

Confidence: low

Official flood overlay has not been retrieved (pending). Missing layer is unknown, not “no.” NSW has a statewide DA API. Nearby (100–800 m) applications are not loaded for this property yet.

Rental

Income, competition, and yield

What will it realistically rent for?

Confidence: low

No advertised rent is recorded. Suburb median rent $500/week — not this address. An inferred likely-rent range is not shown until official bond series are loaded for this dwelling type and bedrooms.

What competition will it face?

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.

What does the yield actually look like?

Confidence: low

Gross yield if leased at the suburb aggregate is 1.6%. 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

What this means for this property

Districts view

Not enough official evidence yet to underwrite this as an investment.

Detail

The same ten questions apply to every property. Missing flood, nearby DAs, achieved rents, or lot geometry is unknown — not “no.”

Read more

Do not treat a suburb median, an advertised yield, or a listing score as the case for this lot.

The evidence loaded so far isn't enough on its own to change a buy, offer, or walk-away decision for this property.

Evidence

What is known for this property

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.

1 of 10 questions answered so far

  • Development optionality of this lot

    Unknown

    Planning layers have not been retrieved for this property yet.

  • Nearby development pipeline

    Unknown

    NSW has a statewide DA API. Nearby (100–800 m) applications are not loaded for this property yet.

  • Honest achievable rent

    Knownlow

    This 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

    Unknown

    Supply pressure needs comparable listings near this lot plus a nearby DA pipeline. Neither is loaded.

  • Why is this cheap?

    Unknown

    The constraint stack has not been retrieved for this lot, so Districts cannot explain a discount versus land size.

  • Lot-level flood

    Unknown

    Official flood overlay has not been retrieved (pending). Missing layer is unknown, not “no.”

  • Catalyst exposure

    Unknown

    Funded catalyst catchments are not loaded. A TOD badge is not this product.

  • This lot's DA history

    Unknown

    Development applications have not been queried for this parcel.

  • Statutory land value versus ask

    Unknown

    NSW Valuer General land values are not loaded for this property yet.

  • Net yield / holding costs

    Unknown

    NSW net yield needs land tax and VG inputs that are not loaded. Gross yield from listings is not net yield.

Area

Surf Beach in one glance

Surf Beach at a glance

1,834

People

$780,000

Median sale

$500/wk

Median rent

3.33%

Suburb gross yield

Median sale from 22 recorded sales (last 12 months) — a Districts calculation.

See the full Surf Beach report →

Keep researching

  • Why Surf Beach? Read the area thesis →
  • What else is on the market in Surf Beach →
  • Other records on Highlands Ave →

Listing material

Listed by Elders Real Estate Batemans Bay

Luxury Coastal Living with Stunning Views

This exceptional Surf Beach residence presents a rare opportunity to enjoy refined coastal living, elevated to capture uninterrupted ocean views, cooling sea breezes and an impressive outlook from throughout the home. Designed with space, comfort and flexibility in mind, it offers a lifestyle where the coast becomes part of everyday living.

From the moment you enter, expansive ocean views immediately set the scene. The thoughtfully considered floorplan makes excellent use of natural light and the home's elevated position, creating inviting spaces that feel open, comfortable and connected to the surrounding landscape.

The master suite provides a private retreat, complete with a walk in robe and beautifully appointed ensuite featuring a stone top vanity. Bedrooms two and three are fitted with built in robes and ceiling fans, while the versatile fourth bedroom has been pre plumbed for a second ensuite, providing excellent potential for guests, extended family or use as a private studio.

Read the full description

At the heart of the home, the gourmet kitchen combines quality finishes with everyday functionality. High end appliances, two pantries, sleek stone benchtops and a generous breakfast bar provide an impressive setting for both casual meals and entertaining.

A selection of living areas offers plenty of flexibility for families and guests. The formal lounge takes full advantage of the spectacular coastal outlook, while a separate family room with air conditioning, formal dining area and inviting rumpus room with a wood heater provide comfortable spaces to relax throughout the seasons.

Outside, the established gardens create a private and beautifully landscaped setting. A cascading waterfall flows through a series of tranquil ponds connected by a graceful steel bridge, adding a distinctive feature and a wonderful sense of serenity to the grounds. A rear shed provides additional storage and practicality.

An elevated viewing platform and covered entertaining area provide the perfect vantage point to relax, entertain and appreciate the breathtaking coastal scenery. With generous space and flexible zoning, there is also potential for a second dwelling, subject to council approval, adding further possibilities for the future.

Positioned in sought after Surf Beach, this impressive residence brings together panoramic coastal views, quality finishes, versatile living spaces and beautifully established surrounds. A rare opportunity to secure a distinctive home offering exceptional comfort and an enviable South Coast lifestyle.

DISCLAIMER: The information contained in the advertising of this property is based on information provided to the agents, and the vendor and agents expressly disclaim any liability arising therefrom. The accuracy of the information cannot be guaranteed, and prospective purchasers should make their own enquiries and form their own judgement as to these matters

Listing description written by Craig Shepheard, Elders Real Estate Batemans Bay — reproduced as published, not verified by Districts.

Property features

  • Air Conditioning
  • Balcony
  • Built-in Robes
  • Deck
  • Dishwasher
  • Ensuites: 1
  • Floorboards
  • Fully Fenced
  • Living Areas: 3
  • Outdoor Entertaining
  • Rumpus Room
  • Secure Parking
  • Toilets: 3
Districts

Australian property research from recorded sales, listings, and official layers. Missing data is shown as unavailable, never filled in.

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Research purposes only. Not personal financial advice, a valuation, or a planning certificate. Always speak to a licensed financial adviser before you act.