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NSW › Kiama Downs › North Kiama Dr

54 North Kiama Dr, Kiama Downs NSW 2533

For saleHouse for Sale

$1,175,000–$1,205,000

For sale

Asking range

2

Bedrooms

1

Bathrooms

2

Car spaces

557 m²

Land

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $1,175,000–$1,205,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $1,175,000–$1,205,000(Listing record · 18 Aug 2026)
  • FactLand 557 m²; no building size recorded.(Property record)
  • CalculationAsk is 11% below the Kiama Downs median recorded sale ($1,320,000, n=32, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Kiama Downs's advertised median rent ($766/wk), implied gross yield would be 3.39% — 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

$1,175,000–$1,205,000

Asking range · $2,110/m² of land

No recorded sale for this property.

Kiama Downs at a glance

5,000

People

$1,320,000

Median sale

$766/wk

Median rent

3.02%

Suburb gross yield

Median sale from 32 recorded sales (last 12 months) — a Districts calculation.

See the full Kiama Downs report →

Vs Kiama Downs

-11.0%

Median sale

Suburb $1,320,000

+0.37 pp

Gross yield

Suburb 3.02%

Suburb median $1,320,000 from 32 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
$1,175,000
Stamp Duty (New South Wales)
$47,287
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
$1,226,154

$51,154 on top of the price (4.4% 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 Kiama Downs's advertised median rent — not a rent for this listing.

Net yield
1.89%
Annual cashflow (pre-tax)
$-38,893
Interest cover (DSCR)
0.36
Annual rent
$39,832
Operating expenses
$17,625
Loan amount
$940,000
Annual interest
$61,100
Gross yield
3.39%

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$1,175,000–$1,205,000available17 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 $766/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 3.4%. 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

Kiama Downs in one glance

Kiama Downs at a glance

5,000

People

$1,320,000

Median sale

$766/wk

Median rent

3.02%

Suburb gross yield

Median sale from 32 recorded sales (last 12 months) — a Districts calculation.

See the full Kiama Downs report →

Keep researching

  • Why Kiama Downs? Read the area thesis →
  • What else is on the market in Kiama Downs →
  • Other records on North Kiama Dr →

Listing material

Listed by Shellharbour Marina Real Estate

Prime Coastal Block - Design, Develop and Secure the View

Positioned in a premium Kiama Downs location just moments from the pristine sands of Jones Beach, the spectacular Cathedral Rocks, and the iconic Boneyard surf break, this is the ultimate coastal canvas. While the property currently enjoys enticing water glimpses of the Boneyard, the true magic lies in the massive potential of this generous 557sqm block. Design a brand new, two storey dream home or luxury duplex development (STCA) to capture amazing, sweeping ocean views from a second level.

Don't let the modest, original cottage exterior fool you, step inside to find a surprisingly and beautifully modernised interior. It features two well appointed bedrooms with built-in-robes and ceiling fans, polished hardwood timber floors, a fully renovated kitchen, split-system air conditioner and a crisp, like new modern bathroom, providing fantastic, comfortable living straight out of the gate.

Complete with wide side access to a massive 11m x 8m garage, this incredibly versatile space is perfect for securely storing the boat, jet skis, or caravan, with plenty of room left over to set up a tradesman's workshop, a home gym, or the ultimate man cave. This property is as practical as it is promising.

Read the full description

For families, the property falls within the catchment zone for the highly regarded Minnamurra Public School and is located right on the school bus route, ensuring a great start to your children's education.

Whether you are a developer, an investor, or a buyer looking to build your forever home, you can take advantage of the brilliant holding income with an excellent rental return of $725 per week while you draw up the plans for your coastal masterpiece.

Renowned for its relaxed coastal lifestyle, Kiama Downs is a highly sought after seaside haven perfect for families, downsizers, and investors alike. Situated between the ocean and the pristine Minnamurra River, the suburb offers an incredible array of local attractions right at your doorstep. Spend your weekends swimming or surfing at the patrolled Jones Beach, exploring the fascinating geological formations at Cathedral Rocks, or snorkelling the sheltered waters of The Boneyard.

Commuting and exploring the wider Illawarra region is a breeze, with Minnamurra Train Station just a short distance away, providing direct access to Shellharbour, Wollongong and the Sydney CBD. Combining spectacular natural beauty with excellent community amenities, local cafes, and the nearby Kiama Golf Club, Kiama Downs delivers a coastal living experience that is truly second to none.

Disclaimer: Some images have been digitally altered using AI technology to remove existing furniture, add virtual styling, or include a virtual sunset.

Listing description written by Michelle Mannex, Shellharbour Marina Real Estate — reproduced as published, not verified by Districts.

Property features

  • Air Conditioning
  • Built-in Robes
  • Floorboards
  • Fully Fenced
  • Gas Heating
  • Secure Parking
  • Shed
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.