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VIC › Lake Wendouree › Mill St

204 Mill St, Lake Wendouree VIC 3350

For saleHouse for Sale

$3,900,000–$4,290,000

For sale

Asking range

5

Bedrooms

3

Bathrooms

2

Car spaces

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $3,900,000–$4,290,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $3,900,000–$4,290,000(Listing record · 16 Mar 2026)
  • CalculationAsk is 474% above the Lake Wendouree median recorded sale ($680,000, n=17, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Lake Wendouree's advertised median rent ($433/wk), implied gross yield would be 0.58% — 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

$3,900,000–$4,290,000

Asking range

No recorded sale for this property.

Lake Wendouree at a glance

2,704

People

$680,000

Median sale

$433/wk

Median rent

3.31%

Suburb gross yield

Median sale from 17 recorded sales (last 12 months) — a Districts calculation.

See the full Lake Wendouree report →

Vs Lake Wendouree

+473.5%

Median sale

Suburb $680,000

-2.73 pp

Gross yield

Suburb 3.31%

Suburb median $680,000 from 17 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
$3,900,000
Stamp Duty (Victoria)
$233,500
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
$4,140,814

$240,814 on top of the price (6.2% 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 Lake Wendouree's advertised median rent — not a rent for this listing.

Net yield
-0.92%
Annual cashflow (pre-tax)
$-238,784
Interest cover (DSCR)
-0.18
Annual rent
$22,516
Operating expenses
$58,500
Loan amount
$3,120,000
Annual interest
$202,800
Gross yield
0.58%

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$3,900,000–$4,290,000available16 Mar 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 $433/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 0.6%. 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

Lake Wendouree in one glance

Lake Wendouree at a glance

2,704

People

$680,000

Median sale

$433/wk

Median rent

3.31%

Suburb gross yield

Median sale from 17 recorded sales (last 12 months) — a Districts calculation.

See the full Lake Wendouree report →

Keep researching

  • Why Lake Wendouree? Read the area thesis →
  • What else is on the market in Lake Wendouree →
  • Other records on Mill St →

Listing material

Listed by Ballarat Real Estate

'GANNEREW' - A TERRY & OAKDEN MASTERPIECE

An Architectural Treasure of National Significance

Set upon a rare and expansive landholding of verdant grounds, just steps from the tranquil shores of Lake Wendouree, 'Gannerew' circa 1883 represents one of the most historically significant High Victorian family residences in regional Australia.

Provenance Beyond Compare

Read the full description

Designed by the esteemed architectural partnership of Leonard Terry and Percy Oakden the visionaries behind The Melbourne Club, Myer Bourke Street, and St Paul's Cathedral,'Gannerew' is one of only three residential commissions undertaken by this legendary firm. With most of Terry & Oakden's original architectural drawings lost to fire, the surviving plans for 'Gannerew', which were exhibited at the Ballarat Art Gallery, represent an irreplaceable piece of Australian architectural history.

Commissioned in 1883 by prominent grain trader and merchant Charles Vaughan Esq., no expense was spared in creating this substantial family villa.

A Restoration Without Compromise

Following a meticulous twelve-year restoration 'Gannerew' has been returned to its former grandeur whilst thoughtfully integrating the luxuries required for contemporary family living.

Architectural Distinction

The residence showcases elaborate period features throughout: rare celery top floorboards, 400mm moulded skirting boards, ornate ceiling roses, deep cornicing, original 1877 brass hardware, etched glass, hipped verandahs, and soaring 4.6 metre ceilings. A mix of marble and timber feature fireplaces anchor the principal rooms, including the gracious formal sitting room crowned by a restored 1883 French crystal chandelier.

Sophisticated Living Spaces

Five bedrooms, three bathrooms, and multiple living zones provide exceptional flexibility. The vast family living room opens to both south and western verandahs. A purpose built entertainer's dining room with Cheminée Philippe features French doors to lush gardens. The guest wing offers completely self contained accommodation potential, ideal for multigenerational living.

At the heart of the home, the designer kitchen presents five Smeg ovens, professional Qasair exhaust, two Shaws of Darwen fireclay sinks, and a 2.6 metre marble island, complemented by a butler's pantry with cellar access for the discerning collector.

Modern Comforts

Ambient hydronic heating split over two circuits, double glazed windows throughout, natural stone flooring in all wet areas, and Perrin & Rowe tapware in antique nickel speak to the thoughtful integration of contemporary luxury.

Rare Opportunity

The prestigious corner allotment provides secure car access, detached box room and coach house (currently artist's studio and garaging), established gardens with century old plantings, and ample space for enhancement including pool installation.

This is only the fourth time in 141 years that 'Gannerew' will change hands a once in a lifetime opportunity in this tightly held pocket close to the hospitals, CBD, and Ballarat's most elite schools.

For private inspection or further information, please contact Allister Morrison on 0438 508 855.

JD1703

Listing description written by Allister Morrison, Ballarat Real Estate — 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.