Districts
SuburbsBlogSearch
Sign inGet started
Districts
SuburbsBlogSearch
Sign inGet started

NSW › Speers Point › Speers St

21 Speers St, Speers Point NSW 2284

For saleHouse for Sale

$1,740,000–$1,850,000

For sale

Asking range

5

Bedrooms

4

Bathrooms

2

Car spaces

875 m²

Land

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $1,740,000–$1,850,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $1,740,000–$1,850,000(Listing record · 28 July 2026)
  • CalculationAsk is 55% above the Speers Point median recorded sale ($1,125,000, n=23, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Speers Point's advertised median rent ($705/wk), implied gross yield would be 2.11% — 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

$1,740,000–$1,850,000

Asking range · $1,989/m² of land

No recorded sale for this property.

Speers Point at a glance

3,737

People

$1,125,000

Median sale

$705/wk

Median rent

3.26%

Suburb gross yield

Median sale from 23 recorded sales (last 12 months) — a Districts calculation.

See the full Speers Point report →

Vs Speers Point

+54.7%

Median sale

Suburb $1,125,000

-1.15 pp

Gross yield

Suburb 3.26%

Suburb median $1,125,000 from 23 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
$1,740,000
Stamp Duty (New South Wales)
$77,712
Transfer/Registration Fee
$167
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
$1,821,579

$81,579 on top of the price (4.7% extra)

  • Stamp Duty (New South Wales)
  • 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: New South Wales 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 Speers Point's advertised median rent — not a rent for this listing.

Net yield
0.61%
Annual cashflow (pre-tax)
$-79,920
Interest cover (DSCR)
0.12
Annual rent
$36,660
Operating expenses
$26,100
Loan amount
$1,392,000
Annual interest
$90,480
Gross yield
2.11%

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$1,740,000–$1,850,000available28 July 2026

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

Capital growth

NSW

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.” NSW has a statewide DA API. Nearby (100–800 m) applications are not loaded for this property yet.

Rental

Income, competition, and yield

What will it realistically rent for?

Confidence: low

No advertised rent is recorded. Suburb median rent $705/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. 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.

What does the yield actually look like?

Confidence: low

Gross yield if leased at the suburb aggregate is 2.1%. 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

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

    NSW has a statewide DA API. Nearby (100–800 m) applications are not loaded for this property yet.

  • 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

    NSW Valuer General land values are not loaded for this property yet.

  • Net yield / holding costs

    Unknown

    NSW net yield needs land tax and VG inputs that are not loaded. Gross yield from listings is not net yield.

Area

Speers Point in one glance

Speers Point at a glance

3,737

People

$1,125,000

Median sale

$705/wk

Median rent

3.26%

Suburb gross yield

Median sale from 23 recorded sales (last 12 months) — a Districts calculation.

See the full Speers Point report →

Keep researching

  • Why Speers Point? Read the area thesis →
  • What else is on the market in Speers Point →
  • Other records on Speers St →

Listing material

Listed by The Kaprilian Edit

Some homes are simply about living, whilst others possess a gravity that draws family home.

As children grow and life takes on new rhythms, the moments spent together often take on a different shape.

Yet there are certain places that seem to become more important because of it. Places that become the setting for Christmas lunch, milestone birthdays, summer afternoons by the pool and conversations that continue long after the day was meant to end. Places that quietly become woven into family life.

Set high above Lake Macquarie, with panoramic views stretching across the water and beyond, this is a home shaped around exactly those moments.

Read the full description

Across three levels, everyday life unfolds between spaces designed for gathering and spaces designed for retreat. Panoramic views stretch across the lake from almost every level, creating a constant connection to the landscape beyond. Whether from the main living areas, the upper sitting room, the loft retreat above or the outdoor entertaining spaces below, the outlook remains ever present — changing with the light, the weather and the passing seasons.

The homes that bring people together are often the same homes that understand the importance of space apart.

Here, expansive living areas flow naturally towards a pool, spa, water feature, entertaining deck and outdoor kitchen designed for shared experiences and unhurried afternoons. Yet throughout the home, there are also quieter places to retreat. A sitting room overlooking the lake. A loft above the world below. A self-contained lower-level retreat offering flexibility for extended family, guests or the evolving needs that accompany different stages of life.

Securely positioned on an elevated parcel, the home balances openness with privacy — a setting that feels connected to its surroundings while remaining quietly removed from them.

Over time, every family seems to have a place that becomes more than a home. A place people return to without thinking. A place where stories accumulate, traditions take shape and new memories quietly replace old ones.

This feels very much like one of those places.

Further Notes

- Designed to balance gathering with retreat

- Seamless connection between indoor and outdoor living

- Multiple indoor and outdoor entertaining zones

- Resort-inspired pool with spa and water feature

- Expansive entertaining deck overlooking the lake

- Covered alfresco and outdoor kitchen for year-round entertaining

- Self-contained lower-level retreat with kitchenette and private amenities

- Flexible accommodation for extended family, guests or multi-generational living

- Secure front entry and elevated position

- Private setting with established grounds

- Moments from Speers Point Park and the lake foreshore

- Easy access to walking and cycling pathways along Lake Macquarie

- Conveniently positioned between Speers Point and Warners Bay CBD

- Accessible to major transport links and nearby train stations

- Well placed for travel towards Sydney, Newcastle and the Central Coast

- Solar System

- Air Conditioning

Disclaimer:

We have obtained this property information from sources we believe to be reliable; however, we cannot guarantee its accuracy. Prospective buyers are advised to carry out their own investigations.

Listing description written by Andrew Kaprilian, The Kaprilian Edit — 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.

Research

  • Property search
  • Suburb profiles
  • Blog
  • Calculators
  • Follow suburbs
  • Sign in

Learn

  • How we use data
  • What's covered
  • Questions
  • Who it's for
  • Access

Company

  • About
  • Contact
  • support@districts.com.au

Legal

  • Privacy
  • Terms

© 2026 Districts

districts.com.au

Research purposes only. Not personal financial advice, a valuation, or a planning certificate. Always speak to a licensed financial adviser before you act.