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NSW › South Tamworth › Oak St

35 Oak St, South Tamworth NSW 2340

For saleHouse for Sale

$550,000

For sale

Asking

3

Bedrooms

1

Bathrooms

2

Car spaces

1,107 m²

Land

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $550,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $550,000(Listing record · 20 Aug 2026)
  • FactLand 1,107 m²; no building size recorded.(Property record)
  • CalculationIf it leased at South Tamworth's advertised median rent ($416/wk), implied gross yield would be 3.93% — 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

$550,000

Asking · $497/m² of land

No recorded sale for this property.

South Tamworth at a glance

6,779

People

No data

Median sale

$416/wk

Median rent

No data

Suburb gross yield

See the full South Tamworth report →

Total cost to purchase

Purchase Price
$550,000
Stamp Duty (New South Wales)
$19,162
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
$573,029

$23,029 on top of the price (4.2% 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

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

Net yield
2.43%
Annual cashflow (pre-tax)
$-15,218
Interest cover (DSCR)
0.47
Annual rent
$21,632
Operating expenses
$8,250
Loan amount
$440,000
Annual interest
$28,600
Gross yield
3.93%

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$550,000available20 Aug 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 $416/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 3.9%. 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. 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

South Tamworth in one glance

South Tamworth at a glance

6,779

People

No data

Median sale

$416/wk

Median rent

No data

Suburb gross yield

See the full South Tamworth report →

Keep researching

  • Why South Tamworth? Read the area thesis →
  • What else is on the market in South Tamworth →
  • Other records on Oak St →

Listing material

Listed by @realty

Huge Block, Great First Home or Investment with Development Upside

Nestled on a generous 1,107 square metre block in the heart of South Tamworth, this charming 3-bedroom house presents an exceptional opportunity for families seeking space, convenience, and potential. With its solid foundation and prime position on Oak Street, this property combines comfortable living with the promise of future enhancement in one of Tamworth's most sought-after residential areas.

Step inside to discover three well-proportioned bedrooms that offer flexibility for growing families or those working from home. The thoughtful layout maximizes the available space, creating a warm and welcoming atmosphere throughout. The single bathroom serves the home efficiently, while the practical design ensures comfortable day-to-day living for the whole family.

Outside, the property truly shines with dual carport accommodation providing secure parking for two vehicles. The expansive grounds offer endless possibilities for families who love outdoor living With over a quarter-acre of land, there's ample room for a pool, workshop, or even subdivision potential, subject to council approval.

Read the full description

Location is everything, and this property delivers in spades. South Tamworth is renowned as a largely residential suburb that perfectly balances established charm with modern convenience. The area features a desirable mix of well-established estates alongside contemporary housing developments, creating a diverse and vibrant community atmosphere.

Families will appreciate the excellent educational opportunities right on their doorstep:

• South Tamworth Public School for primary education

• Tamworth High School for secondary students

• Saint Edwards Primary School offering alternative educational options

• Bullimbal School providing specialized learning environments

Daily conveniences are never far away, with Southgate Shopping Centre and Robert Street Shopping Centre both located within South Tamworth. These local retail hubs ensure that grocery shopping, dining, and essential services are all easily accessible without the need to travel into the city centre.

When it's time to unwind, residents can enjoy the green spaces of Chaffey Park and Hyman Park, both situated within the suburb. These recreational areas provide perfect settings for family picnics, weekend sports, or peaceful morning walks, contributing to the area's reputation as an ideal place to raise a family.

The property's position south of Tamworth's central business district means you can enjoy the peace and space of suburban living while maintaining easy access to the city's employment opportunities, shopping precincts, and cultural attractions. This balance makes South Tamworth particularly appealing to professionals who want the best of both worlds.

Whether you're a first-home buyer ready to put down roots, a growing family needing more space, or an investor recognizing the enduring appeal of South Tamworth real estate, this property ticks all the boxes. The established neighborhood character, combined with the potential for enhancement and personalization, creates a rare opportunity to secure your piece of this thriving community.

Disclaimer: While every effort has been made to ensure the accuracy of these particulars, no warranty is given by the vendor or the agent as to their accuracy. Interested parties should not rely on these particulars as representations of fact but must satisfy themselves by inspection or otherwise. Although high standards have been used in preparing this document, no legal responsibility can be accepted for any loss or damage resulting from the content or use of this information. Any photographs show only certain parts of the property as they appeared when taken. Areas, amounts, measurements, distances, and all other numerical information are approximate only. Note: Every care has been taken to verify the accuracy of the details in this advertisement; however, we cannot guarantee its correctness. Prospective purchasers are requested to take necessary action to satisfy themselves with any pertinent matters.

Listing description written by Stuart Watts, @realty — reproduced as published, not verified by Districts.

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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.