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.
$872,500
Last sold
15 June 2026
3
Bedrooms
1
Bathrooms
2
Car spaces
453 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
Last sold
$872,500
15 June 2026 · derived via latest_sale
Local land rate: recorded House sales in Cardiff (last 5 years) with land size have a median of $1,447/m² of land (n=122). 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
-4.0%
Median sale
Suburb $909,000
+0.16 pp
Gross yield
Suburb 3.75%
Suburb median $909,000 from 56 recorded sales (last 12 months) — a Districts calculation, not a portal figure.
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.
Yield cannot be shown without both a price and a rent figure. Net yield is not estimated from gross advertising copy. 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
UnknownArea
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 MacquarieWelcome to 2 James Street, Cardiff, a cherished family home being offered to the market for the very first time since its construction in 1971.
Lovingly maintained by the same owner for over 55 years, this immaculately presented residence is a rare find.
Neat, clean and exceptionally well cared for throughout, the home offers an inviting blend of comfort, character and potential, providing the perfect opportunity for its next owners to simply move in and enjoy or add their own personal touches over time.
Nestled within a peaceful cul-de-sac and positioned on a level 453sqm block with a generous 15-metre frontage and 30-metre depth, this delightful home enjoys a highly convenient location within easy walking distance to Cardiff CBD and a wide range of local amenities.
Stepping inside, you'll immediately appreciate the sense of space created by the high ceilings throughout.
The home features three comfortable bedrooms, including a spacious master bedroom complete with plantation shutters and ceiling fan.
At the heart of the home is the large central lounge room, offering a warm and welcoming space for family living.
Featuring plantation shutters, ceiling fan, reverse-cycle split system air conditioning and a gas bayonet for bottled gas heating, you'll enjoy year-round comfort regardless of the season.
The original retro-style bathroom remains in immaculate condition and includes a bathtub, separate shower, vanity and separate toilet, reflecting the quality craftsmanship of its era, and ready for a makeover in the future if you desire.
The updated modern kitchen is positioned at the rear of the home and is both practical and inviting.
Well-appointed with electric appliances, generous bench space and ample storage, it provides the perfect environment for preparing family meals.
The adjoining dining area offers a seamless space for everyday dining and entertaining with family and friends.
Additional features include a spacious internal laundry, large carport and lock-up garage, providing excellent vehicle accommodation and storage options.
Outside, the fully fenced backyard offers a safe and easy-care environment for children and pets, with plenty of lawn space to enjoy without excessive maintenance.
Environmentally conscious buyers will appreciate the inclusion of 30 solar panels (5.5kW - Sunboost), helping to significantly reduce electricity costs while enhancing energy efficiency.
Freshly painted in neutral tones and complemented by new carpet throughout, the home presents beautifully and provides a versatile palette to suit any decorating style.
Convenience is one of the key attractions of this outstanding location. Enjoy an easy walk to local parks, playgrounds, tennis courts, cricket fields and off-leash dog exercise areas.
Families will appreciate the proximity to both public and Catholic primary schools, Cardiff High School and Cardiff Train Station.
The property is also ideally positioned between major shopping and entertainment destinations including Charlestown Square, Westfield Kotara and Glendale Shopping Centre and sporting precinct.
The stunning shores of Lake Macquarie are only moments away, while the vibrant café and restaurant scene of Warners Bay provides the perfect destination for weekend dining and recreation.
Whether you're a first-home buyer, young family, downsizer or investor, this much-loved home offers an exceptional opportunity to secure a quality property in one of Cardiff's most convenient and desirable locations.
Properties with such a proud history of ownership, impeccable presentation and unbeatable convenience are becoming increasingly difficult to find.
This is a home that will capture your heart from the moment you arrive and is sure to impress even the most discerning buyer.
Property Features
• First time ever offered for sale
• Original owner since built in 1971
• Three bedrooms with high ceilings throughout
• Master bedroom with plantation shutters and ceiling fan
• Spacious lounge room with ceiling fan, plantation shutters and gas heating
• Reverse-cycle split system air conditioning
• Immaculate retro-style bathroom with separate toilet
• Updated modern kitchen with electric appliances and ample storage
• Separate dining area adjoining kitchen
• Large internal laundry
• Lock-up garage plus generous carport
• Freshly painted throughout in neutral tones
• Brand new carpet throughout
• 30 solar panels (5.5kW - Sunboost) for energy efficiency and reduced power bills
• Fully fenced, level 453sqm block
• Quiet cul-de-sac location
• Easy walk to Cardiff CBD, schools, parks and train station
• Minutes to Lake Macquarie, Warners Bay, Charlestown Square, Westfield Kotara and Glendale Shopping Centre
A truly special home where all the hard work has been done - simply move in, unpack and enjoy.
Land Size Approx. 453sqm with 15m Frontage and 30m Depth
Land Rates Approx. $569.01 Per Quarter
Potential Rental Return Approx. $700 Per Week
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.
NSW 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.