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NSW › Five Dock › Garfield St

UG08, 4-12 Garfield St, Five Dock NSW 2046

For saleApartment

$1,120,000

For sale

Asking

2

Bedrooms

2

Bathrooms

1

Car spaces

Districts ViewPrice evidencePlanningSite constraintsHistoryListing

Districts View

Given the $1,120,000 ask, is this worth your time?

Why this ask?

  • FactListed for sale, asking $1,120,000(Listing record · 24 Apr 2026)
  • CalculationAsk is 63% below the Five Dock median recorded sale ($3,065,000, n=12, last 12 months).(Districts calculation from recorded sales)
  • CalculationIf it leased at Five Dock's advertised median rent ($850/wk), implied gross yield would be 3.95% — 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

$1,120,000

Asking

No recorded sale for this property.

Five Dock at a glance

10,385

People

$3,065,000

Median sale

$850/wk

Median rent

1.44%

Suburb gross yield

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

See the full Five Dock report →

Vs Five Dock

-63.5%

Median sale

Suburb $3,065,000

+2.51 pp

Gross yield

Suburb 1.44%

Suburb median $3,065,000 from 12 recorded sales (last 12 months) — a Districts calculation, not a portal figure.

Total cost to purchase

Purchase Price
$1,120,000
Stamp Duty (New South Wales)
$44,812
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
$1,168,679

$48,679 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 Five Dock's advertised median rent — not a rent for this listing.

Net yield
2.45%
Annual cashflow (pre-tax)
$-30,840
Interest cover (DSCR)
0.47
Annual rent
$44,200
Operating expenses
$16,800
Loan amount
$896,000
Annual interest
$58,240
Gross yield
3.95%

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$1,120,000available24 Apr 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 $850/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 3.9%. 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

Five Dock in one glance

Five Dock at a glance

10,385

People

$3,065,000

Median sale

$850/wk

Median rent

1.44%

Suburb gross yield

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

See the full Five Dock report →

Keep researching

  • Why Five Dock? Read the area thesis →
  • What else is on the market in Five Dock →
  • Other records on Garfield St →

Listing material

Listed by Raine & Horne Five Dock / Drummoyne

Contemporary Designed Townhouse-Style Apartment in the Heart of Five Dock | Lifestyle, Luxury & Privacy

Perfectly blending contemporary design, privacy and everyday convenience, this beautifully appointed townhouse-style apartment delivers an exceptional Inner West lifestyle in the vibrant heart of Five Dock. Designed by acclaimed architects Bates Smart, it showcases intelligent spatial planning, premium finishes and a layout that offers the feel and flexibility of a home.

Quietly positioned at the rear of a secure, well-maintained complex, the residence enjoys a sense of peace and seclusion rarely found in apartment living. The expansive open-plan interiors are bathed in natural light and flow effortlessly to a generous private entertaining terrace, framed by lush greenery-an ideal setting for alfresco dining, entertaining or a tranquil morning coffee.

At the heart of the home, a sleek stone-bench gas kitchen fitted with premium Smeg appliances provides both style and functionality, while a dedicated study nook adds valuable versatility for those working from home.

Read the full description

Accommodation comprises two over-sized bedrooms with built-in wardrobes, serviced by two sophisticated bathrooms including a private en-suite to the master.

Additional features include:

• Expansive open-plan living and dining with timber flooring and quality finishes

• Floor-to-ceiling glass enhancing light, space and indoor-outdoor flow

• Designer stone kitchen with gas cooking and Smeg appliances

• Two generous bedrooms with built-ins, master with ensuite

• Two stylish bathrooms with modern fittings plus internal laundry

• Dedicated study area ideal for home office use

• Reverse-cycle air conditioning, excellent storage and privacy blinds

• Secure lift access, intercom entry, car space and storage cage

Location highlights:

• Moments to Five Dock village cafés, restaurants, shops and city transport

• Easy access to quality schools and everyday amenities

• Short stroll to foreshore parklands and the iconic Bay Run

• Close proximity to the future Metro station and direct CBD access

Offering the perfect balance of lifestyle and low-maintenance living, this is a standout opportunity for both owner-occupiers and investors seeking quality, design and location in one of the Inner West's most connected pockets.

Disclaimer: The information contained herein has been prepared in good faith and is believed to be reliable; however, Raine & Horne Five Dock | Drummoyne makes no representation or warranty as to its accuracy or completeness. Interested parties should rely on their own enquiries and independent professional advice before making any purchasing decision. All photographs, floor plans, maps and images are for marketing purposes only and may include virtual furniture, digital enhancements or artist's impressions. Land dimensions and site areas are approximate only, provided as a guide, and should be independently verified by purchasers, including by survey where appropriate.

Listing description written by Sam Varrica, Raine & Horne Five Dock / Drummoyne — reproduced as published, not verified by Districts.

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.