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NSW › Anna Bay › Nelson Bay Rd

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

For saleRetirement

$890,000

For sale

Asking

2

Bedrooms

2

Bathrooms

2

Car spaces

249 m²

Land

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $890,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $890,000(Listing record · 20 Aug 2026)
  • FactLand 249 m²; no building size recorded.(Property record)
  • CalculationAsk is 23% 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 4.04% — 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

$890,000

Asking · $3,574/m² of land

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

-22.9%

Median sale

Suburb $1,155,000

+0.93 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
$890,000
Stamp Duty (New South Wales)
$34,462
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
$928,329

$38,329 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
2.54%
Annual cashflow (pre-tax)
$-23,698
Interest cover (DSCR)
0.49
Annual rent
$35,932
Operating expenses
$13,350
Loan amount
$712,000
Annual interest
$46,280
Gross yield
4.04%

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$890,000available20 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 $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

Resort-Style Elegance and Just Steps from the Clubhouse

Perfectly positioned in one of Latitude One's most sought-after locations, with being close to the lake and bushland surrounds and only a short stroll from the community's premium clubhouse facilities, this beautifully appointed design delivers the ideal blend of luxury, lifestyle and low-maintenance living.

Designed for effortless entertaining and relaxed everyday comfort, the home showcases soaring raked ceilings, an abundance of natural light and a spacious open-plan layout that seamlessly connects indoor and outdoor living. Premium hybrid timber flooring flows throughout the main living areas, while ducted air-conditioning, ceiling fans and plantation shutters provide year-round comfort and style.

At the heart of the home, the stunning chef's kitchen impresses with expansive stone benchtops, quality SMEG appliances, pendant lighting, gas cooking, generous storage and a large breakfast bar that creates the perfect gathering space for family and friends. The kitchen overlooks the light-filled living and dining area before extending through wide glass doors to a spectacular tiled alfresco. Featuring high ceilings, an outdoor ceiling fan and all-weather blinds, this exceptional outdoor space effectively becomes an additional living room and is ideal for entertaining in every season.

Read the full description

The versatile floorplan offers two generous bedrooms plus a multipurpose room complete with storage, making it ideal as a media room, home office, hobby space or even a third bedroom for visiting family and guests. The spacious master suite enjoys direct access to the alfresco, a walk-in robe and a beautifully appointed ensuite, while the second bedroom is cleverly positioned with dual access to the main bathroom, creating a private guest retreat.

Additional highlights include:

• Spacious open plan living

• Two Bedrooms plus MPR/Study

• Master with ensuite, walk-in robe and alfresco access

• Stunning tiled alfresco area with enclosable all-weather blinds

• Ducted air-conditioning and heating

• Premium tiled flooring and modern finishes

• Ceiling fans, downlights and plantation shutters

• Kitchen with stone benchtops and feature lighting

• SMEG appliances and dishwasher

• Two bathrooms with floor to ceiling tiling

• Combined laundry to garage

• Double remote garage with epoxy flooring and storage

• Solar panels installed

• Fully fenced property

• Pet friendly community

• Pay no exit fees, no DMF or stamp duty

Combining an incredibly popular floorplan, premium inclusions and an unbeatable lifestyle location, this exceptional home offers the perfect opportunity to enjoy everything Latitude One has to offer. Move in and start living the resort lifestyle you've been dreaming of.

Latitude One by Ingenia Lifestyle is located within the picturesque Anna Bay, surrounded by bushland and within 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

• 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

• 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

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

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

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
  • Floorboards
  • Fully Fenced
  • Living Areas: 1
  • Outdoor Entertaining
  • Remote Garage
  • Secure Parking
  • Solar Panels
  • Study
  • Toilets: 2

Also look at

Also for sale in Anna Bay

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  • U319, 4495 Nelson Bay Rd, Anna Bay NSW 2316

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

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

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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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Research purposes only. Not personal financial advice, a valuation, or a planning certificate. Always speak to a licensed financial adviser before you act.