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VIC › Cheltenham › Paul St

40 Paul St, Cheltenham VIC 3192

For saleHouse for Sale

$1,350,000–$1,450,000

For sale

Asking range

4

Bedrooms

1

Bathrooms

2

Car spaces

587 m²

Land

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $1,350,000–$1,450,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $1,350,000–$1,450,000(Listing record · 15 May 2024)
  • FactLand 587 m²; no building size recorded.(Property record)
  • CalculationAsk is 2% above the Cheltenham median recorded sale ($1,325,000, n=19, last 24 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Cheltenham's advertised median rent ($655/wk), implied gross yield would be 2.52% — 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

$1,350,000–$1,450,000

Asking range · $2,300/m² of land

No recorded sale for this property.

Cheltenham at a glance

26,278

People

$1,325,000

Median sale

$655/wk

Median rent

2.57%

Suburb gross yield

Median sale from 19 recorded sales (last 24 months) — a Districts calculation.

See the full Cheltenham report →

Vs Cheltenham

+1.9%

Median sale

Suburb $1,325,000

-0.05 pp

Gross yield

Suburb 2.57%

Suburb median $1,325,000 from 19 recorded sales (last 24 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
$1,350,000
Stamp Duty (Victoria)
$74,250
Transfer/Registration Fee
$3,263
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
$1,431,213

$81,213 on top of the price (6.0% 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 Cheltenham's advertised median rent — not a rent for this listing.

Net yield
1.02%
Annual cashflow (pre-tax)
$-56,390
Interest cover (DSCR)
0.20
Annual rent
$34,060
Operating expenses
$20,250
Loan amount
$1,080,000
Annual interest
$70,200
Gross yield
2.52%

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$1,350,000–$1,450,000available15 May 2024

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 $655/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 2.5%. 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

Cheltenham in one glance

Cheltenham at a glance

26,278

People

$1,325,000

Median sale

$655/wk

Median rent

2.57%

Suburb gross yield

Median sale from 19 recorded sales (last 24 months) — a Districts calculation.

See the full Cheltenham report →

Keep researching

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

Listing material

Listed by Hodges Mentone / Chelsea

FAMILY SIZED ENTRY TO PRIME POCKET

Located in the much sought-after Pennydale precinct, this family sized entertainer offers exceptional possibilities. Currently tenanted for those seeking a secure investment, the beauty of this unique property lies in its potential. Make your mark and create a family home to suit your taste in this once emerging and now highly prized Bayside pocket.

Immediately comfortable and ready to move straight in while you contemplate future updates, this solid brick residence boasts a northern orientation with multiple living areas configured for maximum poolside enjoyment.

Access the covered alfresco by the pool from the kitchen/dining area and also via the expansive family room with its timber beamed ceiling and warm timber feature wall next to floor to ceiling windows overlooking the pool and soaking up the sun.

Read the full description

A second, spacious lounge with parquetry floors ensures the whole family is comfortably catered for. A private, walled courtyard offers the perfect spot for a quiet cup of tea in the secure front yard with plenty of lawn for the kids to explore. Inside, three bedrooms all offer built-in-robes, serviced by a tranquil, timber-clad family bathroom with dual vanity.

Additional features include; kitchen with good storage, gas cooking and dishwasher. Heating and air-conditioning with a ceiling fan in the family room and master bedroom, low maintenance backyard, bright entry hall, undercover carport and additional off-street parking in the driveway.

Peaceful and positioned for absolute convenience. Walk to the bus, Southland station, Westfield shopping, dining and entertainment. With Cheltenham station, Highett shops, Bay and Charman Road cafe strips close-by. Just a few minutes from Mentone and Beaumaris' beautiful beaches, foreshores and bay walking trail.

Stroll to Pennydale park and playground, your choice of Golf courses, Sir William Fry reserve and Olympic Avenue Kindergarten. Zoned for Cheltenham Primary and Secondary with a choice of top schools nearby.

For all enquiries please contact Andrew Plousi 0411 799 023 Hodges Mentone.

Listing description written by Andrew Plousi, Hodges Mentone / Chelsea — 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.