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NSW › Bowral › Victoria St

U1, 3 Victoria St, Bowral NSW 2576

For saleApartment

$770,000–$820,000

For sale

Asking range

2

Bedrooms

2

Bathrooms

2

Car spaces

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $770,000–$820,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $770,000–$820,000(Listing record · 23 Sept 2025)
  • CalculationAsk is 43% below the Bowral median recorded sale ($1,355,000, n=54, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Bowral's advertised median rent ($808/wk), implied gross yield would be 5.46% — 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

$770,000–$820,000

Asking range

No recorded sale for this property.

Bowral at a glance

10,786

People

$1,355,000

Median sale

$808/wk

Median rent

3.10%

Suburb gross yield

Median sale from 54 recorded sales (last 12 months) — a Districts calculation.

See the full Bowral report →

Vs Bowral

-43.2%

Median sale

Suburb $1,355,000

+2.36 pp

Gross yield

Suburb 3.10%

Suburb median $1,355,000 from 54 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
$770,000
Stamp Duty (New South Wales)
$29,062
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
$802,929

$32,929 on top of the price (4.3% 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 Bowral's advertised median rent — not a rent for this listing.

Net yield
3.96%
Annual cashflow (pre-tax)
$-9,574
Interest cover (DSCR)
0.76
Annual rent
$42,016
Operating expenses
$11,550
Loan amount
$616,000
Annual interest
$40,040
Gross yield
5.46%

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$770,000–$820,000available23 Sept 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 $808/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 5.5%. 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. 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

Bowral in one glance

Bowral at a glance

10,786

People

$1,355,000

Median sale

$808/wk

Median rent

3.10%

Suburb gross yield

Median sale from 54 recorded sales (last 12 months) — a Districts calculation.

See the full Bowral report →

Keep researching

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

Listing material

Listed by Highlands Property

Walk to Everything - Contemporary Ground Floor Apartment in Central Bowral

Discover the perfect blend of modern comfort and small-town charm at this stunning ground floor apartment in the prestigious Floria complex. Positioned just meters from Bowral's vibrant town center, this immaculately designed home offers an enviable lifestyle where tranquility meets convenience.

Step into the thoughtfully crafted open-plan living and dining area, where north-facing windows bathe the space in natural light throughout the day. The efficiently designed kitchen showcases sleek countertops, creating the perfect hub for both everyday living and entertaining. Every detail has been carefully considered to maximize both style and functionality, while the well-appointed space flows seamlessly from one area to the next.

The apartment features two generous bedrooms plus a versatile study, all equipped with built-in mirrored robes for seamless storage. The master suite is a true retreat, complete with direct patio access and a generously sized ensuite, offering a private sanctuary at the end of each day. Each room has been designed with comfort and practicality in mind, ensuring every square meter works beautifully for modern living.

Read the full description

Embrace the Southern Highlands lifestyle with covered tile patio areas at both the front and rear of the property. These outdoor spaces extend your living area and provide the perfect setting for morning coffee or evening relaxation, all while maintaining complete privacy. The seamless indoor-outdoor flow creates a sense of space and connection with the peaceful surroundings.

Your investment in comfort extends beyond the apartment itself. The secure basement lock-up garage accommodates two vehicles with additional storage space, while the intercom system ensures peace of mind. A convenient internal laundry adds to the home's practical appeal, making daily life effortless and organised.

With Bowral train station just 450 meters away, seamless commuting to Sydney is at your fingertips. Yet you'll rarely want to leave, with an array of charming cafes, boutique shopping, and essential services all within easy walking distance. The Floria complex perfectly positions you to enjoy everything this sought-after township has to offer, where modern luxury meets country charm in one of Bowral's most desirable addresses.

For more information, or to arrange a private inspection, please contact Damien Ogilvy on 0423 548 147 damien@highlandsproperty.com.au or Christopher Hilder on 0419 999 871 christopher@highlandsproperty.com.au.

*Digital styling has been used for marketing purposes

Listing description written by Damien Ogilvy, Highlands Property — reproduced as published, not verified by Districts.

Property features

  • Balcony
  • Built-in Robes
  • Dishwasher
  • Living Areas: 1
  • Outdoor Entertaining
  • Reverse Cycle Aircon
  • Secure Parking
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.