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NSW › St Ives › Mona Vale Rd

U304, 183-185 Mona Vale Rd, St Ives NSW 2075

For saleApartment

$800,000

For sale

Asking

2

Bedrooms

2

Bathrooms

1

Car spaces

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $800,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $800,000(Listing record · 13 Aug 2026)
  • CalculationAsk is 78% below the St Ives median recorded sale ($3,560,000, n=54, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at St Ives's advertised median rent ($991/wk), implied gross yield would be 6.44% — 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

$800,000

Asking

No recorded sale for this property.

St Ives at a glance

19,647

People

$3,560,000

Median sale

$991/wk

Median rent

1.45%

Suburb gross yield

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

See the full St Ives report →

Vs St Ives

-77.5%

Median sale

Suburb $3,560,000

+4.99 pp

Gross yield

Suburb 1.45%

Suburb median $3,560,000 from 54 recorded sales (last 12 months) — a Districts calculation, not a portal figure.

Total cost to purchase

Purchase Price
$800,000
Stamp Duty (New South Wales)
$30,412
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
$834,279

$34,279 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

Pre-filled with St Ives's advertised median rent — not a rent for this listing.

Net yield
4.94%
Annual cashflow (pre-tax)
$-2,068
Interest cover (DSCR)
0.95
Annual rent
$51,532
Operating expenses
$12,000
Loan amount
$640,000
Annual interest
$41,600
Gross yield
6.44%

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$800,000available13 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 $991/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 6.4%. 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

St Ives in one glance

St Ives at a glance

19,647

People

$3,560,000

Median sale

$991/wk

Median rent

1.45%

Suburb gross yield

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

See the full St Ives report →

Keep researching

  • Why St Ives? Read the area thesis →
  • What else is on the market in St Ives →
  • Other records on Mona Vale Rd →

Listing material

Listed by Ray White Upper North Shore

Privacy, sunshine and village convenience in perfect balance

Wrapped in natural light and a remarkable sense of calm, this apartment proves that convenience and tranquillity can coexist. Positioned at the peaceful rear of architect-designed 'Jade Gardens,' this home enjoys the security of intercom and lift access. Oversized windows border a beautifully connected sequence of dining, lounge and kitchen spaces, balancing openness with clearly defined zones. Full-span sliders extend to a private covered terrace-style balcony, where indoor comfort gives way to open-air living.

Each bedroom enjoys individual climate control and mirrored built-in wardrobes, while the primary is complemented by a stylish ensuite finished to the same exceptional standard as the main bathroom. Nestled adjacent to the cafes, dining and shopping of St Ives Village, with bus services virtually at the doorstep, Pymble Golf Club, and excellent schools nearby, the lifestyle on offer is as refined as the home itself.

Accommodation Features:

Read the full description

• Light-filled throughout, LED downlights, split system air conditioning

• Dining with floor-to-ceiling sliders opening to balcony

• Lounge room with north-facing windows, kitchen with stone benchtops

• Franke appliances: gas cooktop, oven, dishwasher, under-mount sink

• Both bedrooms each offer a mirrored built-in wardrobes and split system air conditioning

• Primary includes an ensuite, secondary bedroom opens to the balcony

• Both bathrooms are fully tiled with a shower, and designer Italian mosaic tile feature wall, European-style laundry

External Features:

• Within 'Jade Gardens,' architect designed by 'Giles Tribe'

• Complex of only 23 apartments, video intercom, lift access

• Rear position, covered terrace-style balcony with privacy screen

• Basement car space, storage cage

Location Benefits:

• 80m to 195, 197 bus services to St Ives Chase, Gordon Train Station, Macquarie University, Mona Vale

• 400m to Pymble Golf Course

• 500m from St Ives Shopping Village, dining, and cafes

• 700m to St Ives Village Green

• 800m to Dalrymple-Hay Nature Reserve

• 1km to Masada College

• 1.7km to St Ives Public School

• 1.9km to St Ives High School

• 3.4km to Gordon Train Station

• Convenient to Brigidine College, Sydney Grammar School Preparatory School, Roseville College, Ravenswood School for Girls, Pymble Ladies' College, Knox Grammar, Abbotsleigh

Auction

Thursday 10th September, 6pm

In rooms - 2 Turramurra Avenue, Turramurra

Contact

Domenic Maxwell 0434 537 577

Disclaimer: All information contained here is gathered from sources we believe reliable. We have no reason to doubt its accuracy, however we cannot guarantee it.

Listing description written by Domenic Maxwell, Ray White Upper North Shore — reproduced as published, not verified by Districts.

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Australian property research from recorded sales, listings, and official layers. Missing data is shown as unavailable, never filled in.

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