Fern Bay at a glance
4,339
People
$1,122,500
Median sale
$884/wk
Median rent
4.10%
Suburb gross yield
Median sale from 38 recorded sales (last 12 months) — a Districts calculation.
$1,580,000
Last sold
15 June 2026
5
Bedrooms
3
Bathrooms
2
Car spaces
660 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
Last sold
$1,580,000
15 June 2026 · derived via latest_sale
Local land rate: recorded House sales in Fern Bay (last 5 years) with land size have a median of $1,760/m² of land (n=111). Districts calculation from recorded sales — not a valuation.
Fern Bay at a glance
4,339
People
$1,122,500
Median sale
$884/wk
Median rent
4.10%
Suburb gross yield
Median sale from 38 recorded sales (last 12 months) — a Districts calculation.
Vs Fern Bay
+40.8%
Median sale
Suburb $1,122,500
-1.19 pp
Gross yield
Suburb 4.10%
Suburb median $1,122,500 from 38 recorded sales (last 12 months) — a Districts calculation, not a portal figure.
Planning
Planning scheme
Port Stephens Local Environmental Plan 2013
Zone
Low Density Residential
R2
Jurisdiction
Port Stephens
Port Stephens, NSW
Not detected
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 30 Aug 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 Low Density Residential · R2 (Port Stephens Local Environmental Plan 2013). Official parcel area about 661 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 $884/week — not this address. An inferred likely-rent range is not shown until official bond series are loaded for this dwelling type and bedrooms.
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.
Yield cannot be shown without both a price and a rent figure. Net yield is not estimated from gross advertising copy. 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 Low Density Residential · R2 (Port Stephens Local Environmental Plan 2013). Official parcel area about 661 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.
4 of 10 questions answered so far
Development optionality of this lot
KnownmediumZoned Low Density Residential · R2 (Port Stephens Local Environmental Plan 2013). Official parcel area about 661 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 661 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
KnownmediumNo development applications were returned for this parcel. That is not a statement about nearby lots.
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
Fern Bay at a glance
4,339
People
$1,122,500
Median sale
$884/wk
Median rent
4.10%
Suburb gross yield
Median sale from 38 recorded sales (last 12 months) — a Districts calculation.
Listing material
Listed by Ray White Newcastle | Lake MacquarieYou've seen the rest - now it's time to discover one of the finest homes in the estate.
Perfectly positioned in highly sought-after Seaside Village, 115 Dune Drive, Fern Bay delivers luxury family living with an unbeatable lifestyle to match. Situated directly opposite the dog park and bush reserve, this exceptional home enjoys the rare advantage of having no direct neighbours across the road, creating a peaceful outlook and beautiful sense of space.
Wake each morning in the stunning upstairs master retreat, complete with private balcony - the perfect place to sit back, relax and soak in the tranquil reserve views.
Designed for modern living and effortless entertaining, the heart of the home is the spectacular designer kitchen. Featuring a state-of-the-art stone island bench with an integrated dining table, premium finishes throughout and a spacious butler's pantry, this is a kitchen sure to impress the chef in the family.
The kitchen flows seamlessly into the expansive open-plan living and dining area, flooded with natural light from oversized glass doors that open onto the enclosed sunroom-an ideal year-round entertaining space.
Step outside and feel instantly transported to your own private resort. The beautifully landscaped backyard showcases a sparkling inground pool surrounded by tropical established gardens, creating a serene holiday-like atmosphere. By night, the colour-changing pool lights and tranquil waterfall feature transform the space into a relaxing day-spa retreat. An extended timber entertaining deck provides the perfect setting for BBQs, gatherings with friends and relaxed family afternoons, while the manicured grassed yard offers plenty of room for children and pets to play.
Inside, the home continues to impress with multiple living zones designed for growing families. Enjoy movie nights in the downstairs media room, one of three separate living spaces throughout the home. Upstairs, a further living area creates the ideal kids' retreat or playroom.
All five bedrooms are privately positioned upstairs, including the luxurious master suite featuring a double vanity ensuite, mirrored walk-in robe and private balcony. Another bedroom includes its own private water closet - perfect for teenagers or guests. The main family bathroom is beautifully appointed with separate shower and corner bath. An additional 6th bedroom downstairs or spacious home office with access to a private ensuite/third bathroom creates perfect guest accommodation.
Positioned on a generous 660sqm corner block, additional features include:
• Double lock-up garage
• Outdoor shower perfect after beach days
• Solar panels
• Zoned ducted air conditioning
• Quality finishes and upgrades throughout
It's easy to see why Seaside Village at Fern Bay is becoming one of the region's most desirable coastal communities. Enjoy an easy walk to Banksia Park, BBQ facilities and the local daycare centre, while less than 10 minutes away you'll find Stockton Village and the ferry terminal - placing Newcastle CBD just a quick 5-minute ferry ride away.
• Council Rates Approx: $576 Per Quarter
• Rental Appraisal: $900 to $950 Per Week.
Contact Mel Payne today and discover why 115 Dune Drive is the home you simply won't want to miss - where every day feels like a holiday.
Disclaimer: We have obtained this property information from sources we believe to be reliable; however, we cannot guarantee its accuracy. Prospective buyers are advised to carry out their own investigations.
• Please note some of the dusk photos are previous old marketing photos, buyers to do their own due diligence.
Listing description written by Mel Payne, Ray White Newcastle | Lake Macquarie — reproduced as published, not verified by Districts.