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NSW › Cardiff › Mcintyre St

13 Mcintyre St, Cardiff NSW 2285

For saleHouse for Sale

$980,000–$1,020,000

For sale

Asking range

3

Bedrooms

1

Bathrooms

1

Car spaces

672 m²

Land

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $980,000–$1,020,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $980,000–$1,020,000(Listing record · 10 Aug 2026)
  • FactLand 672 m²; no building size recorded.(Property record)
  • CalculationAsk is 8% above the Cardiff median recorded sale ($909,000, n=56, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Cardiff's advertised median rent ($656/wk), implied gross yield would be 3.48% — this is not a rent for this listing.(Districts scenario calculation)

What could make it worth more?

No upside evidence detected in the data Districts holds for this lot.

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

$980,000–$1,020,000

Asking range · $1,458/m² of land

No recorded sale for this property.

Cardiff at a glance

7,014

People

$909,000

Median sale

$656/wk

Median rent

3.75%

Suburb gross yield

Median sale from 56 recorded sales (last 12 months) — a Districts calculation.

See the full Cardiff report →

Vs Cardiff

+7.8%

Median sale

Suburb $909,000

-0.27 pp

Gross yield

Suburb 3.75%

Suburb median $909,000 from 56 recorded sales (last 12 months) — a Districts calculation, not a portal figure.

Total cost to purchase

Based on the low end of the asking range, not a contract price.

Purchase Price
$980,000
Stamp Duty (New South Wales)
$38,512
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
$1,022,379

$42,379 on top of the price (4.3% 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

Based on the low end of the asking range, not a contract price.

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

Net yield
1.98%
Annual cashflow (pre-tax)
$-31,548
Interest cover (DSCR)
0.38
Annual rent
$34,112
Operating expenses
$14,700
Loan amount
$784,000
Annual interest
$50,960
Gross yield
3.48%

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$980,000–$1,020,000available10 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 $656/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 3.5%. 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

Cardiff in one glance

Cardiff at a glance

7,014

People

$909,000

Median sale

$656/wk

Median rent

3.75%

Suburb gross yield

Median sale from 56 recorded sales (last 12 months) — a Districts calculation.

See the full Cardiff report →

Keep researching

  • Why Cardiff? Read the area thesis →
  • What else is on the market in Cardiff →
  • Other records on Mcintyre St →

Listing material

Listed by Murdoch Property Co

Family Comfort In A Peaceful Yet Convenient Setting

Offered for the first time since it was completed in 1990, this much-loved home has been meticulously maintained and presents an outstanding opportunity for a new family to make it their own. Positioned in a quiet cul-de-sac on a generous 672sqm block with the bonus of dual street access via Wayne Place, it's just 1km from Cardiff Station and moments from Cardiff's town centre, supermarkets, cafés and everyday conveniences. With Cardiff North Public School only 350m away, it's a location that makes family life wonderfully easy.

Inside, the practical single-level layout offers three bedrooms and two separate living areas, giving everyone space to come together or enjoy a little quiet time. An updated kitchen and beautifully renovated bathroom mean there's nothing to do but move in and enjoy, while three split-system air conditioners and gas bayonets keep the home comfortable throughout the seasons. The internally accessed double garage features a rear roller door, providing handy access to the backyard.

A large, covered patio is the natural hub for entertaining, whether it's weekend barbecues or simply unwinding at the end of the day while taking in beautiful sunsets over Mount Sugarloaf. Less than 10 minutes from the lakeside dining, shopping and recreation at Warners Bay, and around 20 minutes from Newcastle CBD, this is a home that combines peaceful living with exceptional everyday convenience.

Read the full description

- Single level Masterton built home, 672sqm block dual access from Wayne Place

- Split system a/c to both living areas and main bedroom

- Heart of the home kitchen with updated gas cooktop, wall oven, dishwasher

- Renovated three way bathroom with ensuite access to main bedroom, handy second w/c

- All three bedroom with built-in robes and new carpet

- Internally accessed double garage with rear roller

- Covered alfresco entertaining area overlooks fenced yard, sunset views

- John Hunter Hospital – 5km, Warners Bay lake foreshore – 6km, Bar Beach – 12km

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.

Listing description written by Luke Murdoch, Murdoch Property Co — reproduced as published, not verified by Districts.

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.