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NSW › Anna Bay › Nelson Bay Rd

U319, 4495 Nelson Bay Rd, Anna Bay NSW 2316

For saleRetirement

$900,000

For sale

Asking

3

Bedrooms

2

Bathrooms

2

Car spaces

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $900,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $900,000(Listing record · 15 July 2026)
  • CalculationAsk is 22% below the Anna Bay median recorded sale ($1,155,000, n=31, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Anna Bay's advertised median rent ($691/wk), implied gross yield would be 3.99% — 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

$900,000

Asking

No recorded sale for this property.

Anna Bay at a glance

4,377

People

$1,155,000

Median sale

$691/wk

Median rent

3.11%

Suburb gross yield

Median sale from 31 recorded sales (last 12 months) — a Districts calculation.

See the full Anna Bay report →

Vs Anna Bay

-22.1%

Median sale

Suburb $1,155,000

+0.88 pp

Gross yield

Suburb 3.11%

Suburb median $1,155,000 from 31 recorded sales (last 12 months) — a Districts calculation, not a portal figure.

Total cost to purchase

Purchase Price
$900,000
Stamp Duty (New South Wales)
$34,912
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
$938,779

$38,779 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 Anna Bay's advertised median rent — not a rent for this listing.

Net yield
2.49%
Annual cashflow (pre-tax)
$-24,368
Interest cover (DSCR)
0.48
Annual rent
$35,932
Operating expenses
$13,500
Loan amount
$720,000
Annual interest
$46,800
Gross yield
3.99%

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$900,000available15 July 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 $691/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 4.0%. 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

Anna Bay in one glance

Anna Bay at a glance

4,377

People

$1,155,000

Median sale

$691/wk

Median rent

3.11%

Suburb gross yield

Median sale from 31 recorded sales (last 12 months) — a Districts calculation.

See the full Anna Bay report →

Keep researching

  • Why Anna Bay? Read the area thesis →
  • What else is on the market in Anna Bay →
  • Other records on Nelson Bay Rd →

Listing material

Listed by Ingenia Lifestyle

Effortless Style, Everyday Comfort

Situated in the exclusive Latitude One, this spacious and functional home offers luxury living without compromising space or creature comforts. Beautifully appointed and thoughtfully designed, this high-quality residence delivers a refined standard of relaxed, low-maintenance living, with premium finishes, generous interiors and a seamless connection to outdoor entertaining.

The open plan living and dining area is light-filled and inviting, enhanced by hybrid timber flooring, raked ceilings, ceiling fans and modern lighting throughout. Ducted air-conditioning and plantation shutters add to the home’s polished finish, creating a comfortable and sophisticated space to enjoy year-round.

At the heart of the home, the entertainer’s kitchen is a true standout, featuring 20mm stone benchtops with striking waterfall ends, pendant lighting, a skylight and a breakfast bar designed for easy living. Integrated appliances, induction cooking, a plumbed fridge cavity, walk-in pantry and convenient drawer storage combine style and function, making this kitchen ideal for both everyday meals and entertaining.

Read the full description

Accommodation includes two spacious carpeted bedrooms with built-in robes and ceiling fans, with the master bedroom enjoying a private ensuite and walk-in robe. An additional multipurpose room or third bedroom provides flexibility for guests, hobbies or extra living space. Both bathrooms are finished to a luxurious standard, showcasing wall-to-ceiling tiles, stone-top vanities and semi-frameless shower screens.

Outdoors, the spacious under-roof entertainment area faces out towards green space pathways, offering a peaceful setting to relax or entertain. Landscaped surrounds to the front and rear, artificial turf, a fully fenced yard and side access gate add to the home’s easy-care appeal, while security doors and windows provide added peace of mind.

Completing the home is a separate laundry positioned off the kitchen with access to the garage, a double remote garage with epoxy flooring and built-in storage, plus a water tank and 3.9kW solar system for added everyday efficiency. This beautifully finished home offers an exceptional lifestyle opportunity, ready to move in and enjoy.

Home Features:

• Two spacious carpeted bedrooms with built-in robes & ceiling fans

• Master bedroom with private ensuite and walk-in robe

• Additional multipurpose room or third bedroom for added living space

• Two lux bathrooms with wall to ceilings tiles, stone top vanities and semi frameless shower screens

• Open plan living and dining area with hybrid timber flooring, raked ceilings, ceiling fans and modern lighting throughout

• Entertainers’ kitchen with 20mm stone benchtops and stone waterfall ends, skylight, plumbed fridge cavity, integrated appliances, walk in pantry, convenient drawer storage, induction cooking, pendant lighting and breakfast bar for easy living

• Ducted air conditioning and plantation shutters throughout

• Spacious under roof outdoor entertainment area facing out to green space pathways

• Separate laundry off kitchen with access to garage

• Double remote garage with epoxy flooring, built in storage

• Landscaped surrounds to front and rear with artificial turf

• Fully fenced pet friendly home with side access gate

• Security Doors and Windows

• Water tank

• 3.9kw Solar

• Pet friendly community

• No Exit Fees – No Rates – No Stamp Duty!

Latitude One by Ingenia Lifestyle is located within the picturesque Anna Bay, surrounded by bushland and with proximity to stunning beaches. A few minutes' drive and you'll arrive at the coastline, shopping precincts and the stunning Nelson Bay Marina.

Be part of an established community at Latitude One, with a gold class clubhouse at its heart that is seamlessly integrated into the beautifully landscaped subtropical surrounds. Enjoy walking paths throughout the entire community, travelling through the beautiful gardens and showcasing the breathtaking views.

Community facilities include:

• Taylors Function Centre

• The Leading Jack premium bowling green

• Star Cinema, featuring a selection of your favourite movies

• Harper Square, outdoor alfresco entertaining and BBQ area

• The Sterling sports lounge

• Beauty & Consultant's rooms, for visiting health practitioners

• Library and Business Centre, a private space to retreat and work

• Craft room

• Soul Works Wellness Centre, comprising of a heated indoor pool and a heated outdoor pool, spa, sauna, and a gym designed for over 55s, overlooking Lake Latitude

A land lease home operates under the land lease model, supported by specific government legislation which guarantees ongoing financial security and peace of mind.

The model lets you enjoy the benefits of conventional home ownership, with residents owning their own home, without the cost of buying the land and paying council rates.

Should you ever wish to sell, the capital gain is all yours, without exit fees. You also enjoy some of the advantages with no council rates or stamp duty, just a weekly site fee which eligible residents offset with rental assistance.

Community living has never been easier. Whether you are looking at your downsizing options or just looking to form friendships and find new hobbies, the community at Latitude One will welcome you with open arms.

Come and discover how you can start your new lifestyle at Latitude One. Contact our friendly team today.

Listing description written by Cameron Bayles, Ingenia Lifestyle — reproduced as published, not verified by Districts.

Property features

  • Built-in Robes
  • Dishwasher
  • Ducted Cooling
  • Ensuites: 1
  • Fully Fenced
  • Outdoor Entertaining
  • Remote Garage
  • Solar Panels
  • Water Tank

Also look at

Also for sale in Anna Bay

  • U81, 4495-4497 Nelson Bay Rd, Anna Bay NSW 2316

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  • U155, 4495-4497 Nelson Bay Rd, Anna Bay NSW 2316

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  • 75/4320 Nelson Bay Rd, Anna Bay NSW 2316

    3-bed retirement. Asking $410K–$450K.

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  • U132, 4495-4497 Nelson Bay Rd, Anna Bay NSW 2316

    3-bed retirement. Asking $960K.

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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.