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.
$830,000–$850,000
For sale
Asking range
2
Bedrooms
1
Bathrooms
1
Car spaces
1,210 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
$830,000–$850,000
Asking range · $686/m² of land
No recorded sale for this property.
Local land rate: recorded House sales in Cardiff (last 5 years) with land size have a median of $1,451/m² of land (n=123). Districts calculation from recorded sales — not a valuation.
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.
Vs Cardiff
-8.7%
Median sale
Suburb $909,000
+0.36 pp
Gross yield
Suburb 3.75%
Suburb median $909,000 from 56 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.
$35,629 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 Cardiff'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 $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.
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 4.1%. 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
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.
Listing material
Listed by First National Real Estate Lake MacquarieOffered to the market for the first time ever in almost 100 years, "White Lodge" is more than just a home - it's a remarkable piece of Cardiff's history.
Lovingly held by the same family for five generations, this character-filled residence, believed to have been built in the late 1920s to early 1930s, is one of Cardiff's original homes and is ready for its next chapter.
Set on an enormous 1,210sqm parcel of land with an impressive 16-metre frontage and approximately 76 metres in depth, opportunities of this size and significance are becoming increasingly rare.
Perhaps the most exciting feature is the endless potential on offer.
As the home is not heritage listed, the choice is entirely yours.
Will you restore and re-imagine this historic residence, blending its timeless character with contemporary living?
Or will you unlock the potential of this substantial landholding and explore redevelopment opportunities (Subject to Council Approval)?
Whichever path you choose, this is an opportunity that rarely presents itself.
Stepping inside, you're welcomed by a charming enclosed front sun-room before entering the elegant lounge room, where soaring high ceilings and a stunning marble fireplace immediately capture your attention.
It's easy to imagine the countless family gatherings and treasured memories created here over the past century.
The home offers two generously proportioned bedrooms, with the main bedroom showcasing beautiful ornate cornices and a charming dressing or sitting area that reflects the craftsmanship of a bygone era.
The spacious timber kitchen provides an abundance of cupboard and bench space and includes a casual meals area, making it both functional and inviting.
At the rear of the home, the updated bathroom and laundry offer modern convenience, with the bathroom featuring a large shower, vanity and toilet.
Step outside and take in the elevated outlook across Cardiff towards Munibung Hill - a peaceful backdrop that further enhances the property's appeal.
Whether you're a visionary renovator with a passion for preserving character homes or a developer seeking a substantial parcel of land in a central location (STCA), "White Lodge" presents an exceptional opportunity to create something truly special.
Conveniently positioned just minutes from Cardiff Train Station, bus transport, Cardiff's shopping precinct, cafés, the Iron Horse Tavern, local schools, childcare facilities, sporting fields and parks, you'll also enjoy easy access to Westfield Kotara, Charlestown Square, Glendale Shopping Centre and the beautiful shores of Lake Macquarie.
Major arterial roads are nearby, making commuting throughout Newcastle and the Hunter Region effortless.
Properties with this combination of history, land size, flexibility and location are exceptionally rare.
The question is... what will you do? Restore a piece of history, or create something entirely new? The opportunity is yours to seize.
Land Rates Approx $589 Per Quarter
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For further information contact the local area's first choice for real estate Troy Duncan on 4950 8555.
First National Real Estate Lake Macquarie are your local experts for the Lake Macquarie and Newcastle area, we proudly market this home and are always looking for more homes to sell. If you would like honest, expert advice and achieve excellent results, call us on 4950 8555 to discuss your home.
Disclaimer: All information contained herein is gathered from sources we deem reliable. However, we cannot guarantee its accuracy and act as a messenger only in passing on the details. Interested parties should rely on their own enquiries. Any personal information given to us during the course of the campaign will be kept on our database for follow up and to market other services and opportunities unless instructed in writing.
Listing description written by Troy Duncan, First National Real Estate Lake Macquarie — reproduced as published, not verified by Districts.