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NSW › Terrigal › Vicary Rd

46 Vicary Rd, Terrigal NSW 2260

For saleRural Property for Sale

$2,900,000

For sale

Asking

3

Bedrooms

2

Bathrooms

2

Car spaces

10,117.141 m²

Land

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $2,900,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $2,900,000(Listing record · 27 Mar 2026)
  • FactLand 10,117 m²; no building size recorded.(Property record)
  • CalculationAsk is 78% above the Terrigal median recorded sale ($1,625,000, n=73, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Terrigal's advertised median rent ($805/wk), implied gross yield would be 1.44% — 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

$2,900,000

Asking · $287/m² of land

No recorded sale for this property.

Terrigal at a glance

13,414

People

$1,625,000

Median sale

$805/wk

Median rent

2.58%

Suburb gross yield

Median sale from 73 recorded sales (last 12 months) — a Districts calculation.

See the full Terrigal report →

Vs Terrigal

+78.5%

Median sale

Suburb $1,625,000

-1.14 pp

Gross yield

Suburb 2.58%

Suburb median $1,625,000 from 73 recorded sales (last 12 months) — a Districts calculation, not a portal figure.

Total cost to purchase

Purchase Price
$2,900,000
Stamp Duty (New South Wales)
$141,512
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
$3,045,379

$145,379 on top of the price (5.0% 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 Terrigal's advertised median rent — not a rent for this listing.

Net yield
-0.06%
Annual cashflow (pre-tax)
$-152,440
Interest cover (DSCR)
-0.01
Annual rent
$41,860
Operating expenses
$43,500
Loan amount
$2,320,000
Annual interest
$150,800
Gross yield
1.44%

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$2,900,000available27 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 $805/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 1.4%. 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

Terrigal in one glance

Terrigal at a glance

13,414

People

$1,625,000

Median sale

$805/wk

Median rent

2.58%

Suburb gross yield

Median sale from 73 recorded sales (last 12 months) — a Districts calculation.

See the full Terrigal report →

Keep researching

  • Why Terrigal? Read the area thesis →
  • What else is on the market in Terrigal →
  • Other records on Vicary Rd →

Listing material

Listed by PropertyCo

A Serene Terrigal Acreage with Sweeping Valley Views

Positioned in an elevated, whisper-quiet pocket just moments from Terrigal, this beautifully crafted single-level residence delivers a rare combination of privacy, scale and breathtaking natural outlooks. Set across just over one hectare of fully fenced land, the home captures sweeping 180-degree valley views and a cooling coastal breeze, creating a lifestyle defined by space, serenity and effortless living.

Architecturally designed and master built by Greg Windust of GW Building, the residence showcases quality at every turn. Polished spotted gum timber floors, 2.7m ceilings and a striking cathedral ceiling in the main living zone enhance the sense of openness, while expansive glass sliders frame the landscape and invite natural light throughout.

At the heart of the home, a well-appointed kitchen with premium finishes and high-end appliances connects seamlessly to the open-plan living and dining spaces, flowing out to wraparound hardwood decking designed for year-round entertaining. Overlooking the valley, the elevated pool and outdoor zones create a private retreat, perfectly positioned to enjoy sunsets and the peaceful surrounds.

Read the full description

Thoughtfully designed for both comfort and functionality, the home offers generous accommodation, multiple living zones and excellent storage, all complemented by energy-efficient inclusions and low-maintenance infrastructure.

Beyond the home, the land itself is a standout—featuring established gardens, an extensive fruit orchard and a large, usable upper plateau with approval for a shed and scope for a second dwelling (STCA), making this an exceptional lifestyle opportunity with future potential.

Key Features:

- Architecturally designed, north-westerly facing, master-built single-level residence (approx. 350sqm) set on 2.5 acres with sweeping 180-degree valley views

- Expansive open-plan living and dining with cathedral ceiling, polished spotted gum timber flooring and seamless indoor-outdoor connection

- High-spec polyurethane kitchen with premium appliances, quality tapware and generous island, perfectly positioned at the heart of the home

- Wraparound Blackbutt timber decking on three sides, plus covered entertaining deck capturing elevated outlooks and cooling coastal breezes

- Raised swimming pool set within low-maintenance ModWood decking, privately positioned to enjoy the surrounding landscape

- Spacious master retreat with walk-in robe and private ensuite, complemented by well-appointed additional bedrooms and bathrooms with full-height tiling

- Large glass sliding doors and windows throughout maximising natural light, airflow and the stunning valley outlook

- Ducted, reverse-cycle air conditioning with zoned control, high ceilings and LED lighting throughout

- Double garage with internal access, plus extensive under-house storage including standing-height areas and additional secure parking for equipment or machinery

- Solar electric gated entry with full concrete driveway, turning area and excellent accessibility across the property

- Established gardens with covered vegetable beds and an extensive orchard of 20+ mature fruit trees

- Fully fenced acreage with separate dog yard, excellent drainage and large usable upper plateau

- Energy-efficient home with full insulation, solar hot water and eco-friendly worm farm septic system with no ongoing running costs

- 5,000L water tank, town water connection + 3-phase power available if required

- Exceptional future potential with approved shed site and scope for a second dwelling (STCA) on the upper portion of the land

- Council rates: $4,215 (approx.) pa.

A rare offering combining lifestyle, scale and future potential, this is acreage living at its most refined, just moments from the coast.

For more details, contact Adrienn Stenner on 0414 729 453 or Daniella Szakacs on 0404 065 098. If you make an online enquiry and do not receive a response within 5 minutes, please check your junk or spam folder. If it has not arrived, please contact the agents directly.

DISCLAIMER: The information in this advertisement has been provided by third parties. While Prestige Properties Central Coast strives to ensure its accuracy, we do not guarantee or warrant its completeness. We accept no liability for errors, omissions, or misstatements and encourage prospective buyers to conduct their own independent investigations. All images are for illustrative purposes only.

Listing description written by Adrienn Stenner, PropertyCo — 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.