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NSW › Bowral › Victoria St

16/3 Victoria St, Bowral NSW 2576

For saleApartment

$840,000

For sale

Asking

3

Bedrooms

2

Bathrooms

2

Car spaces

6,088 m²

Land

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $840,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $840,000(Listing record · 17 Apr 2026)
  • CalculationLand 6,088 m² against a 104 m² dwelling — the land is most of what is being bought.(Districts calculation)
  • CalculationAsk is 38% below the Bowral median recorded sale ($1,355,000, n=54, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Bowral's advertised median rent ($808/wk), implied gross yield would be 5.00% — 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

$840,000

Asking · $138/m² of land

No recorded sale for this property.

Bowral at a glance

10,786

People

$1,355,000

Median sale

$808/wk

Median rent

3.10%

Suburb gross yield

Median sale from 54 recorded sales (last 12 months) — a Districts calculation.

See the full Bowral report →

Vs Bowral

-38.0%

Median sale

Suburb $1,355,000

+1.90 pp

Gross yield

Suburb 3.10%

Suburb median $1,355,000 from 54 recorded sales (last 12 months) — a Districts calculation, not a portal figure.

Total cost to purchase

Purchase Price
$840,000
Stamp Duty (New South Wales)
$32,212
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
$876,079

$36,079 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

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

Net yield
3.50%
Annual cashflow (pre-tax)
$-14,264
Interest cover (DSCR)
0.67
Annual rent
$42,016
Operating expenses
$12,600
Loan amount
$672,000
Annual interest
$43,680
Gross yield
5.00%

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$840,000available17 Apr 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 $808/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 5.0%. 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

Bowral in one glance

Bowral at a glance

10,786

People

$1,355,000

Median sale

$808/wk

Median rent

3.10%

Suburb gross yield

Median sale from 54 recorded sales (last 12 months) — a Districts calculation.

See the full Bowral report →

Keep researching

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

Listing material

Listed by DiJones Southern Highlands

In-town convenience & comfort

Inspections by Appointment

Positioned privately in a sought-after complex on the northern edge of Bowral's CBD, this ground-level, north-facing apartment blends convenience with comfort.

Just a level stroll from Bowral's vibrant high street, you're moments from cafés, restaurants, shops, the cinema and walking tracks. With an oversized secure double garage, leaving the car behind is easy.

Read the full description

Celebrating true indoor-outdoor living, the undercover patio - accessible from both the lounge and main bedroom is perfect for morning coffee, potted plants or evening barbecues. Overlooking a beautifully landscaped courtyard that bursts into colour each season, the space feels tranquil and private. Inside, an open-plan lounge and dining area features heating and air-conditioning for year-round comfort. The modern kitchen is well equipped with gas cooktop, dishwasher and rangehood. All bedrooms are generously sized and linked by a wide hallway, enhancing the apartment's sense of space.

- Double brick construction

- Master bedroom and living area open separately to the north-facing patio

- Kitchen with stone benchtops, four-burner gas cooktop, Smeg wall oven and dishwasher

- Double glazed windows and doors

- 2.7m high ceilings

- 2 x Split system air conditioners and wall-mounted bayonet for gas heating

- Large north-facing patio for entertaining

- Master bedroom with ensuite

- Second and third bedrooms open to a rear patio

- Repainted and recarpeted within the last two years

- New LED ceiling lighting

- Internal laundry

- Secure remote-controlled double garage and separate storage room

- Ground-level entry from Main Street

- Numerous undercover visitor parking bays

- Intercom to security gates

- A short stroll to Bowral railway station, cafes, boutiques, parks & galleries

Disclaimer: the information provided is for general informational purposes only and is not intended as legal, financial, or real estate advice. While every effort is made to ensure the accuracy of the information, we make no guarantees regarding its completeness or accuracy. Prospective parties are encouraged to conduct their own independent investigations. We are not responsible for any liabilities that arise from use of information provided.

Listing description written by Craig Symons, DiJones Southern Highlands — 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.