Districts
SuburbsBlogSearch
Sign inGet started
Districts
SuburbsBlogSearch
Sign inGet started

VIC › St Arnaud › Sturt St

3 Sturt St, St Arnaud VIC 3478

For saleHouse for Sale

$365,000

For sale

Asking

3

Bedrooms

1

Bathrooms

1

Car spaces

1,314 m²

Land

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $365,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $365,000(Listing record · 18 July 2026)
  • CalculationLand 1,314 m² against a 108 m² dwelling — the land is most of what is being bought.(Districts calculation)
  • CalculationAsk is 16% above the St Arnaud median recorded sale ($315,500, n=12, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at St Arnaud's advertised median rent ($344/wk), implied gross yield would be 4.90% — this is not a rent for this listing.(Districts scenario calculation)

What could make it worth more?

  • InterpretationA large lot with a small dwelling means the value case rests on the land and what the zone allows on it, not the house.

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

$365,000

Asking · $278/m² of land

No recorded sale for this property.

St Arnaud at a glance

2,234

People

$315,500

Median sale

$344/wk

Median rent

5.67%

Suburb gross yield

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

See the full St Arnaud report →

Vs St Arnaud

+15.7%

Median sale

Suburb $315,500

-0.77 pp

Gross yield

Suburb 5.67%

Suburb median $315,500 from 12 recorded sales (last 12 months) — a Districts calculation, not a portal figure.

Total cost to purchase

Purchase Price
$365,000
Stamp Duty (Victoria)
$16,970
Transfer/Registration Fee
$958
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
$386,628

$21,628 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

Pre-filled with St Arnaud's advertised median rent — not a rent for this listing.

Net yield
3.40%
Annual cashflow (pre-tax)
$-6,567
Interest cover (DSCR)
0.65
Annual rent
$17,888
Operating expenses
$5,475
Loan amount
$292,000
Annual interest
$18,980
Gross yield
4.90%

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$365,000available17 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

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 $344/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 4.9%. 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

St Arnaud in one glance

St Arnaud at a glance

2,234

People

$315,500

Median sale

$344/wk

Median rent

5.67%

Suburb gross yield

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

See the full St Arnaud report →

Keep researching

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

Listing material

Listed by Horsham Real Estate

Character Home with Modern Comforts

Full of warmth and character, this well-presented three-bedroom home combines classic features with modern comforts, creating a property that's easy to enjoy from day one.

Inside, polished floorboards flow throughout the home, while French doors add charm and natural light to the living spaces and bedrooms. The country-style kitchen offers plenty of character and functionality, complete with electric cooking, dishwasher, and a wood heater that helps create a warm and inviting heart of the home.

The lounge is serviced by a split system for year-round comfort, with an additional split system in the master bedroom.

Read the full description

The modern bathroom has been tastefully updated and features a walk-in shower, freestanding bath, and vanity, creating a space that's both practical and stylish.

Outside, the large yard provides plenty of room to enjoy, while the open shed, carport, and external laundry add further convenience.

Features include:

- Three bedrooms

- Polished floorboards throughout

- French doors in the lounge and bedrooms

- Country-style kitchen with dishwasher and wood heater

- Split system heating and cooling

- Modern bathroom with freestanding bath

- External laundry

- Open shed and carport

- Large yard

A charming home with plenty of character, modern comforts, and room to move.

Currently tenanted until 17/10/2025 at $450 per week

Listing description written by Brad Judd, Horsham 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.

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.