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NSW › Cameron Park › Harris St

64/40 Harris St, Cameron Park NSW 2285

For saleStudio

$430,000

For sale

Asking

0

Bedrooms

0

Bathrooms

0

Car spaces

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $430,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $430,000(Listing record · 12 Dec 2025)
  • CalculationAsk is 58% below the Cameron Park median recorded sale ($1,025,000, n=115, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Cameron Park's advertised median rent ($892/wk), implied gross yield would be 10.79% — 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

$430,000

Asking

No recorded sale for this property.

Cameron Park at a glance

10,424

People

$1,025,000

Median sale

$892/wk

Median rent

4.53%

Suburb gross yield

Median sale from 115 recorded sales (last 12 months) — a Districts calculation.

See the full Cameron Park report →

Vs Cameron Park

-58.0%

Median sale

Suburb $1,025,000

+6.26 pp

Gross yield

Suburb 4.53%

Suburb median $1,025,000 from 115 recorded sales (last 12 months) — a Districts calculation, not a portal figure.

Total cost to purchase

Purchase Price
$430,000
Stamp Duty (New South Wales)
$13,762
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
$447,629

$17,629 on top of the price (4.1% 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 Cameron Park's advertised median rent — not a rent for this listing.

Net yield
9.29%
Annual cashflow (pre-tax)
$17,574
Interest cover (DSCR)
1.79
Annual rent
$46,384
Operating expenses
$6,450
Loan amount
$344,000
Annual interest
$22,360
Gross yield
10.79%

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$430,000available12 Dec 2025

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 $892/week — not this address. An inferred likely-rent range is not shown until official bond series are loaded for this dwelling type and bedrooms. No recorded off-street parking — often a discount versus the suburb median for the same beds.

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 10.8%. 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

Cameron Park in one glance

Cameron Park at a glance

10,424

People

$1,025,000

Median sale

$892/wk

Median rent

4.53%

Suburb gross yield

Median sale from 115 recorded sales (last 12 months) — a Districts calculation.

See the full Cameron Park report →

Keep researching

  • Why Cameron Park? Read the area thesis →
  • What else is on the market in Cameron Park →
  • Other records on Harris St →

Listing material

Listed by First National Real Estate Lake Macquarie

CAREFREE COMFORT IN RETIREMENT

Located within the peaceful Cameron Glen Retirement Village, 64/40 Harris Street offers a warm, welcoming haven for anyone seeking a relaxed over-55s lifestyle.

Surrounded by beautifully landscaped gardens and lush green grounds, this villa is perfect for an elderly person or couple hoping to downsize into a quiet, friendly community where comfort, convenience and independence come together effortlessly.

Inside, the home is meticulously maintained and instantly inviting.

Read the full description

A light-filled loungeroom sits at the front of the residence, enhanced by high ceilings, a ceiling fan and a split-cycle air conditioner to keep the space comfortable year-round.

The galley-style kitchen provides generous bench and cupboard space, and includes a dishwasher, oven and a cleverly concealed laundry complete with washing machine and dryer - offering practicality without compromising on style.

The oversized bedroom is a true retreat, featuring a large built-in robe and its own reverse-cycle air conditioner for cosy winters and cool summers.

The spacious bathroom acts as an ensuite and is thoughtfully designed for accessibility, supporting ease of movement and everyday comfort.

Glass sliding doors from the bedroom lead to a private undercover alfresco area with astroturf, creating a lovely, low-maintenance outdoor space to sit, entertain friends and family, or simply unwind with a morning cuppa.

This seamless indoor-outdoor flow elevates the home's charm and enhances the ease of everyday living.

Set within a boutique community of just 71 villas, you'll enjoy the company of like-minded neighbours along with the social connection, amenities and tranquility that Cameron Glen is known for.

This is a home that supports independence, simplicity and quality of life in your later years - a place to feel safe, settled and completely at ease.

Important Information:

- Must be over 55 and retired to be eligible

- No stamp duty payable as this is a leasehold arrangement

- Buyer requires a suitability assessment by the Cameron Glen nurse

- Additional services available, including laundry, meals, and home cleaning at an extra cost

- Weekly fee of $206 covers land and water rates, external maintenance, community electricity, live- in alarms with 24/7 emergency care staff, and weekday morning tea in the community centre

- The village is small dog-friendly, and has its own dog exercise and leash-free area for your fur child

Don't miss this opportunity to enjoy hassle-free, comfortable living in a welcoming community. Call us today or send an enquiry to learn more. For further information contact the local area's first choice for real estate Troy Duncan on 4950 8555

First National Real Estate Lake Macquarie are your local experts for the Lake Macquarie and Newcastle area, we proudly market this home and are always looking for more homes to sell. If you would like honest, expert advice and achieve excellent results, call us on 4950 8555 to discuss your home.

Disclaimer: All information contained herein is gathered from sources we deem reliable. However, we cannot guarantee its accuracy and act as a messenger only in passing on the details. Interested parties should rely on their own enquiries. Any personal information given to us during the course of the campaign will be kept on our database for follow up and to market other services and opportunities unless instructed in writing.

Listing description written by Troy Duncan, First National Real Estate Lake Macquarie — 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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