Cowes at a glance
7,858
People
$711,250
Median sale
$508/wk
Median rent
3.71%
Suburb gross yield
Median sale from 82 recorded sales (last 12 months) — a Districts calculation.
$650,000–$715,000
For sale
Asking range
3
Bedrooms
2
Bathrooms
2
Car spaces
404 m²
Land
Districts View
No upside evidence detected in the data Districts holds for this lot.
No detected risks — but see the checklist: absence of evidence is not an all-clear.
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
Asking
$650,000–$715,000
Asking range · $1,609/m² of land
No recorded sale for this property.
Cowes at a glance
7,858
People
$711,250
Median sale
$508/wk
Median rent
3.71%
Suburb gross yield
Median sale from 82 recorded sales (last 12 months) — a Districts calculation.
Vs Cowes
-8.6%
Median sale
Suburb $711,250
+0.35 pp
Gross yield
Suburb 3.71%
Suburb median $711,250 from 82 recorded sales (last 12 months) — a Districts calculation, not a portal figure.
Based on the low end of the asking range, not a contract price.
$39,395 on top of the price (6.1% extra)
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.
Based on the low end of the asking range, not a contract price.
Pre-filled with Cowes's advertised median rent — not a rent for this listing.
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.
Planning
Planning data is being calculated
Data unavailable
Source
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 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 exposure has not been retrieved from any source for this property yet. Unknown is not the same as clear.
Bushfire exposure has not been retrieved from any source for this property yet. Unknown is not the same as clear.
Heritage listing has not been retrieved from any source for this property yet. Unknown is not the same as clear.
Records
Events are recorded observations from public listings, kept with their source and date. Missing values are shown as unknown, never estimated.
Capital growth
VICPlanning 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.
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
No advertised rent is recorded. Suburb median rent $508/week — not this address. An inferred likely-rent range is not shown until official bond series are loaded for this dwelling type and bedrooms.
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.
Gross yield if leased at the suburb aggregate is 4.1%. 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
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.”
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
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
UnknownPlanning layers have not been retrieved for this property yet.
Nearby development pipeline
UnknownVictoria has no public statewide property-level DA API. Nearby pipeline is unknown.
Honest achievable rent
KnownlowThis 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
UnknownSupply pressure needs comparable listings near this lot plus a nearby DA pipeline. Neither is loaded.
Why is this cheap?
UnknownThe constraint stack has not been retrieved for this lot, so Districts cannot explain a discount versus land size.
Lot-level flood
UnknownOfficial flood overlay has not been retrieved (pending). Missing layer is unknown, not “no.”
Catalyst exposure
UnknownFunded catalyst catchments are not loaded. A TOD badge is not this product.
This lot's DA history
UnknownDevelopment applications have not been queried for this parcel.
Statutory land value versus ask
UnknownStatutory land value is not available as free bulk data in this jurisdiction. Do not fake it with a suburb median.
Net yield / holding costs
UnknownNet yield / holding costs are not estimated outside NSW without inventing land tax.
Area
Cowes at a glance
7,858
People
$711,250
Median sale
$508/wk
Median rent
3.71%
Suburb gross yield
Median sale from 82 recorded sales (last 12 months) — a Districts calculation.
Listing material
Listed by Ray White Phillip IslandOffers Closing 14/09/2026 at 5pm (unless sold prior)
Perfectly positioned in a peaceful pocket of Cowes, 7 Dunes Road presents an appealing opportunity for retirees seeking low-maintenance living, first home buyers looking to enter the market, or those wanting a beautifully presented home in a convenient location.
Thoughtfully designed for easy living, the home offers three bedrooms and two bathrooms, complemented by a spacious open-plan kitchen, dining and living area. High ceilings enhance the sense of space, while polished flooring, quality finishes and an abundance of natural light create a warm and welcoming atmosphere throughout.
At the heart of the home, the well-appointed kitchen offers excellent storage and preparation space, with a generous central island overlooking the adjoining dining and living zones. Large windows provide leafy outlooks and a wonderful connection with the outdoors, while the open-plan layout makes everyday living and entertaining effortless.
Adding excellent versatility to the home is the double garage, which has been thoughtfully converted into a private office space. Ideal for those working from home, pursuing hobbies or simply requiring an additional room, this flexible space adds another dimension to the property, while also offering the option to be readily converted back to a traditional double garage should secure vehicle accommodation be preferred. Further enhancing the home's practicality and everyday efficiency is a 6.5kW solar system, helping to reduce household energy costs.
One of the property's standout features is its direct connection to the adjoining local park. Rather than looking onto a neighbouring property, the park effectively becomes an extension of your backyard, providing a wonderful sense of space, greenery and privacy. With private access directly from the property, the park is right on your doorstep-perfect for children to enjoy, morning walks or simply making the most of the peaceful surrounds.
The covered alfresco area further extends the home's living space outdoors, providing an inviting setting for afternoon entertaining, summer barbecues or enjoying a quiet morning coffee while taking in the tranquil surroundings.
Positioned within a quiet and established neighbourhood, yet only moments from the Phillip Island Golf Course and a selection of local amenities, this appealing location offers the perfect balance of peace, accessibility and lifestyle. Whether you're a retiree seeking an easy-care home, a first home buyer looking for a quality entry into the market, or simply searching for a well-presented property in a peaceful Cowes setting, 7 Dunes Road offers comfortable living in a sought-after pocket of the island.
PHOTO ID IS REQUIRED AT ALL INSPECTIONS
This property in Cowes is proudly for sale through Ray White Real Estate Phillip Island.
Listing description written by Jon Taylor, Ray White Phillip Island — reproduced as published, not verified by Districts.