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VIC › Gisborne › Cotton Circuit

17 Cotton Circuit, Gisborne VIC 3437

For saleHouse for Sale

$1,950,000–$2,100,000

For sale

Asking range

5

Bedrooms

3

Bathrooms

4

Car spaces

2,088 m²

Land

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $1,950,000–$2,100,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $1,950,000–$2,100,000(Listing record · 17 Feb 2026)
  • FactLand 2,088 m²; no building size recorded.(Property record)
  • CalculationAsk is 101% above the Gisborne median recorded sale ($970,000, n=143, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Gisborne's advertised median rent ($642/wk), implied gross yield would be 1.71% — 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

$1,950,000–$2,100,000

Asking range · $934/m² of land

No recorded sale for this property.

Gisborne at a glance

11,514

People

$970,000

Median sale

$642/wk

Median rent

3.44%

Suburb gross yield

Median sale from 143 recorded sales (last 12 months) — a Districts calculation.

See the full Gisborne report →

Vs Gisborne

+101.0%

Median sale

Suburb $970,000

-1.73 pp

Gross yield

Suburb 3.44%

Suburb median $970,000 from 143 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
$1,950,000
Stamp Duty (Victoria)
$107,250
Transfer/Registration Fee
$3,614
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
$2,064,564

$114,564 on top of the price (5.9% extra)

  • Stamp Duty (Victoria)
  • 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: Victoria 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 Gisborne's advertised median rent — not a rent for this listing.

Net yield
0.21%
Annual cashflow (pre-tax)
$-97,266
Interest cover (DSCR)
0.04
Annual rent
$33,384
Operating expenses
$29,250
Loan amount
$1,560,000
Annual interest
$101,400
Gross yield
1.71%

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$1,950,000–$2,100,000available17 Feb 2026

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

Capital growth

VIC

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.” Victoria has no public statewide property-level DA API. Nearby pipeline is unknown.

Rental

Income, competition, and yield

What will it realistically rent for?

Confidence: low

No advertised rent is recorded. Suburb median rent $642/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. Victoria has no public statewide property-level DA API. Nearby pipeline is unknown. 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 1.7%. 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. Net yield / holding costs are not estimated outside NSW without inventing land tax.

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

    Victoria has no public statewide property-level DA API. Nearby pipeline is unknown.

  • 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

    Statutory land value is not available as free bulk data in this jurisdiction. Do not fake it with a suburb median.

  • Net yield / holding costs

    Unknown

    Net yield / holding costs are not estimated outside NSW without inventing land tax.

Area

Gisborne in one glance

Gisborne at a glance

11,514

People

$970,000

Median sale

$642/wk

Median rent

3.44%

Suburb gross yield

Median sale from 143 recorded sales (last 12 months) — a Districts calculation.

See the full Gisborne report →

Keep researching

  • Why Gisborne? Read the area thesis →
  • What else is on the market in Gisborne →
  • Other records on Cotton Circuit →

Listing material

Listed by Woodards Macedon Ranges

By Private Appointment - Contact Agent

Stunning Modern Luxury on 2,088m² (Approx.)

An executive residence of the highest calibre, this acreage-style home delivers sheer luxury on 2,087m² (approx.), presenting a wide frontage with a full veranda and a timeless façade. Colonial bar windows and San Selmo Italian reclaimed bricks enrich the exterior while internally, strong geometric lines and bold angles signal a classic country masterpiece created for modern living.

Opulent, classically inspired interiors reflect an elegant aesthetic with decorative finishes including classic panelling, imported British wallpaper, coffered ceilings with detailed cornices, downlights and statement bauble lighting. Hybrid Chestnut timber flooring is paired with 100% pure wool carpet underfoot, while an impressive total floor plan of 609.71m² (approx.) lends substance to the home's expansive shared spaces.

Read the full description

A formal entry vestibule introduces a vast open-plan living, dining and kitchen zone, where a Tasmanian log fireplace with a custom concrete hearth and hidden drawers anchors the room. The decadent kitchen is crowned by a 100mm, seamless 3.26m stone island with bar seating and a Zip Tap for hot and filtered cold water, complemented by an ILVE 900mm oven with 5-zone cooktop. A butler's kitchen adds further capability with an ILVE 600mm oven and an LG dishwasher. There's also a separate formal dining room, while a cinema room with a platformed seating area completes the indoor entertaining suite.

Outdoor living is equally compelling. Gatsby sliding doors open to a grand alfresco appointed with exterior fans, gorgeous wall sconces and a decked zone with 2 x 32-amp set-up. It's a very spacious outdoor area, fit for a family, with a large New Zealand outdoor fireplace, and various outdoor entertaining zones further complementing the opulent living within the home.

Accommodation is headlined by a palatial main suite with gas log fireplace, electrical blockout blinds, a spacious walk-in robe and a luxurious ensuite. To the west wing, a home office accompanies 4 further bedrooms including a 2nd main suite with walk-in robe and ensuite, plus a central bathroom with bath. Across all bathrooms, 40mm stone surfaces, heated towel rails and floor-to-ceiling tiling are matched with showers featuring inbuilt bench seating and dual shower heads, creating blissful 5-star havens.

Vehicle and business versatility is exceptional: a 12m x 6m garage accommodating 4 cars includes a kitchenette and powder room, complemented by double gated side access for large vehicles such as a caravan or boat, and an extended double driveway.

Premium inclusions are comprehensive: 3-phase power, double glazing throughout, premium-grade insulation with Anticon thermal control blanket, soft-close cabinetry and drawers throughout, a 12-zone 25kW ducted heating and refrigerated cooling system controlled via internal switch or phone Bluetooth, ceiling fans, 3 separate hot water systems to ensure water needs are not compromised, CCTV and alarm, 4 linen cupboards, ample laundry storage, plantation shutters, and a water tank.

Set on the largest block within the Willow estate, within easy walking distance to Willowbank Primary School and Willowbank Early Learning Centre, zoned for Gisborne Secondary College, and close to Gisborne's village shops, cafés, supermarkets, recreation facilities, amenities and freeway access, this is prestige living without compromise.

Listing description written by Jason Sheridan, Woodards Macedon Ranges — reproduced as published, not verified by Districts.

Property features

  • Toilets: 4
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.