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NSW › Warrawong › Cowper St

312 Cowper St, Warrawong NSW 2502

For saleHouse for Sale

$859,000–$899,000

For sale

Asking range

4

Bedrooms

1

Bathrooms

1

Car spaces

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $859,000–$899,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $859,000–$899,000(Listing record · 20 Mar 2026)
  • CalculationAsk is 7% below the Warrawong median recorded sale ($920,000, n=33, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Warrawong's advertised median rent ($489/wk), implied gross yield would be 2.96% — 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

$859,000–$899,000

Asking range

No recorded sale for this property.

Warrawong at a glance

4,692

People

$920,000

Median sale

$489/wk

Median rent

2.76%

Suburb gross yield

Median sale from 33 recorded sales (last 12 months) — a Districts calculation.

See the full Warrawong report →

Vs Warrawong

-6.6%

Median sale

Suburb $920,000

+0.20 pp

Gross yield

Suburb 2.76%

Suburb median $920,000 from 33 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
$859,000
Stamp Duty (New South Wales)
$33,067
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
$895,934

$36,934 on top of the price (4.3% 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 Warrawong's advertised median rent — not a rent for this listing.

Net yield
1.46%
Annual cashflow (pre-tax)
$-32,125
Interest cover (DSCR)
0.28
Annual rent
$25,428
Operating expenses
$12,885
Loan amount
$687,200
Annual interest
$44,668
Gross yield
2.96%

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$859,000–$899,000available20 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

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 $489/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 3.0%. 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

Warrawong in one glance

Warrawong at a glance

4,692

People

$920,000

Median sale

$489/wk

Median rent

2.76%

Suburb gross yield

Median sale from 33 recorded sales (last 12 months) — a Districts calculation.

See the full Warrawong report →

Keep researching

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

Listing material

Listed by Ray White South Wollongong

Flexible Family Living in Fantastic Warrawong

Offering space, versatility, and comfort, this well presented four bedroom double storey home is perfect for growing families or buyers looking for extra room to spread out. Positioned centrally in a convenient pocket of Warrawong, the home provides a functional layout with multiple living areas and plenty of natural light throughout.

Downstairs welcomes you with a large bedroom, along with generous living and dining spaces that flow through to a well appointed kitchen featuring ample storage and bench space. The layout is ideal for both everyday family living and entertaining, serviced by a character filled main bathroom.

Upstairs, you will find three additional well sized bedrooms, all offering comfortable accommodation for the whole family, along with pleasant ocean glimpses.

Read the full description

Outside, the property offers a low maintenance yard with enough space for kids and pets to enjoy, while remaining easy to care for.

Property Features:

• Four spacious bedrooms, one with large walk in robe

• Functional double storey layout

• Multiple living and dining areas

• Well appointed kitchen with ample storage

• Main family bathroom plus additional toilet in laundry

• Tandem carport and plenty of driveway space

• Currently on expired lease of $590/week- potential for $620-$650/week

• Low maintenance 558sqm block

• 16.6m frontage

Conveniently located close to local shops, schools, parks, and public transport, and only a short walk to Westfield Warrawong, this home offers a fantastic opportunity to secure a spacious family property in a highly accessible location.

An excellent opportunity for families, first home buyers, and investors alike. Enquire with Mathew Niksic on 0421 475 872 to arrange your inspection.

Listing description written by Mathew Niksic, Ray White South Wollongong — 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.