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.
$1,100,000–$1,200,000
For sale
Asking range
4
Bedrooms
2
Bathrooms
2
Car spaces
525 m²
Land
Districts View
No upside evidence detected in the data Districts holds for this lot.
No detected risks — but see the checklist: absence of evidence is not an all-clear.
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
$1,100,000–$1,200,000
Asking range · $2,095/m² of land
No recorded sale for this property.
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
-2.0%
Median sale
Suburb $1,122,500
+0.08 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.
Based on the low end of the asking range, not a contract price.
$47,779 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 Fern Bay'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 data is being calculated
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.
Heritage listing has not been retrieved from any source for this property yet. Unknown is not the same as clear.
Records
Events are recorded observations from public listings, kept with their source and date. Missing values are shown as unknown, never estimated.
Capital growth
NSWPlanning 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.
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
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.
Gross yield if leased at the suburb aggregate is 4.2%. 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
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.”
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
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
UnknownPlanning layers have not been retrieved for this property yet.
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?
UnknownThe constraint stack has not been retrieved for this lot, so Districts cannot explain a discount versus land size.
Lot-level flood
UnknownOfficial flood overlay has not been retrieved (pending). 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
UnknownDevelopment applications have not been queried 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
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 Wilton Lemke StewartBuilt by Coral Homes with family living front of mind, this impressive single-level home combines generous proportions, quality finishes and an effortless indoor-outdoor design in the relaxed coastal community of Seaside Fern Bay.
Four bedrooms plus a versatile office, two bathrooms, multiple living zones and a beautifully appointed island kitchen with walk-in pantry provide all the space you need. The privately positioned main bedroom is a peaceful retreat with a walk-in robe, ensuite and sliding door access to the alfresco. Whether you're entertaining under the covered outdoor area, enjoying family movie nights in the media room or simply unwinding in the generous open plan living space, there's room for every occasion.
Life in Seaside Fern Bay has a holiday feel that's hard to shake. Spend weekends surfing, fishing, golfing or exploring the nearby dunes by four-wheel drive, then be back in Newcastle's CBD within a short drive or quick ferry trip from Stockton.
- Single level 4-bedroom, 2-bathroom, Steel frame home, 524.9sqm block
- Approximate internal floorspace of 171sqm including two separate living areas
- Ducted air-conditioning keeps things comfortable year round
- Stone kitchen benches, 900mm gas stove, walk-in pantry
- Milestones Early Learning Centre – 800m
- Newcastle Airport – 7km, Newcastle Interchange – 19km
- Potential Rental Return: Approx. $800-$850 p/w
- Council Rates: Approx. $2,150 p/a
- Water Rates: Approx. $850 p/a + usage
- Community Fee: Approx. $930 p/a
Disclaimer:
All information provided by Wilton Lemke Stewart in the marketing of a property for sale or lease has been sourced from various third-party outlets that we deem reliable. Nonetheless, Wilton Lemke Stewart cannot ensure its absolute accuracy, and we bear no responsibility and disclaim all liability for any errors, omissions, inaccuracies, or misstatements in the information provided. Prospective buyers and tenants are encouraged to conduct their own due diligence and rely on their own investigations. All images, measurements, diagrams, renderings, and data are indicative and for illustrative purposes only, subject to potential changes.
Listing description written by Nick Stewart, Wilton Lemke Stewart — reproduced as published, not verified by Districts.