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102/126 Chapel Street, St Kilda$590,000

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102/126 Chapel Street

St Kilda, VIC 3182, Australia

$590,000

2 bed 1 bath 1 car

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Listing description

About this property

With Hello Sparrow Café just downstairs, this elevated apartment combines comfort, convenience and a location you'll love coming home to. Inside, the layout is practical and inviting, with two generous bedrooms (both with built-in robes) and a central bathroom with integrated laundry. The modern kitchen includes a gas cooktop, dishwasher and plenty of storage, flowing into a light-filled open-plan living and dining area. New timber floors lead out to a large balcony, ideal for a morning coffee, evening drink or hosting a few friends. Comfort is covered year-round with a new reverse-cycle heating and cooling system, panel heaters and ceiling fans in both bedrooms. There's also a retractable balcony screen, secure entry and the added bonus of off-street parking. Positioned just moments from the energy of Carlisle Street, you'll have cafés, bars and shops within easy reach, plus Balaclava railway station and trams for a straightforward trip into the CBD.

Property Details

Property Type: apartment
Listing Type: Sold
Bedrooms: 2
Bathrooms: 1
Parking: 1
Listed: 2 months ago

Repayment calculator

$2,860/month

$1,430 /fortnight

Loan $472,000 at 6.10% over 30 years

Upfront costs

Deposit$118,000

Stamp duty$30,470

Conveyancing (est.)$2,000

Total upfront$150,470

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Indicative figures only — not a quote. Real loan offers depend on the lender; duty depends on contract terms and applicable concessions.

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Neighbourhood

Living in St Kilda

This 2-bedroom apartment in St Kilda, VIC 3182 sits within reach of public transport, local shops and nearby schools. It is listed 20% below the $735,000 median of 50 comparable apartmentswithin 5 km.

Schools near St Kilda

Cheder Levi Yitzchok Inccombined · Prep-10 · CoEd
St Michael's Grammar Schoolcombined · Prep-12 · CoEd
St Kilda Park Primary Schoolprimary · Prep-6 · CoEd
St Kilda Primary Schoolprimary · Prep-6 · CoEd

What's nearby

Robe Street/Grey Street (bus) — 1.1 km away
St Kilda Cycles — 832 m away
Unnamed — 222 m away
Unnamed — 314 m away
Unnamed — 338 m away

St Kilda at a glance

Full suburb profile

Population: 19,490
Median age: 36
Household income: $1,779/wk
Median rent: $381/wk
Median mortgage: $2,000/mo

Source: ABS Census.

Due diligence

Property Report

Lifestyle & access

Schools

7 nearby schools

Catchment: St Kilda Primary School

Public transport

10 stops within 1.5km

Nearest: Dickens Street (0.2km)

Traffic

Moderate congestion

Morning peak (7-9am) and evening peak (5-7pm) generate significant congestion on Chapel Street due to commuter traffic and retail/dining traffic. Weekend traffic is heavy due to St Kilda's entertainment and shopping destinations. Parking demand is consistently high.

Noise

Moderate noise

Nearest: road (0.2km)

Risk & safety

Flood risk

Medium

St Kilda faces medium flood risk primarily from Yarra River overflow, stormwater inundation, and Port Phillip Bay storm surge, particularly in low-lying areas near the foreshore and along the Yarra's lower reaches. Properties in the suburb are subject to Victoria's Land Subject to Inundation Overlay (LSIO) in affected precincts, which imposes planning conditions on development. Historical flood events and proximity to both riverine and coastal hazards warrant careful site-specific flood risk assessment before property acquisition or development.

Bushfire risk

None

St Kilda is a dense, inner-urban coastal suburb of Melbourne with minimal bushfire risk. The area is predominantly developed with urban infrastructure, parks, and beaches, with no significant vegetation or forest interfaces. Properties in St Kilda are not mapped within the Bushfire Prone Area (BPA) or subject to the Bushfire Management Overlay (BMO).

Crime profile

above average

Trend: stable

Planning & context

Zoning

GRZ1 — General Residential Zone Schedule 1

Port Phillip Planning Scheme

Nearby development

5 projects nearby

St Kilda is experiencing steady mixed-use development focused on heritage precinct activation, streetscape renewal and infill residential apartments. Development activity is concentrated along major commercial strips (Fitzroy, Acland, Chapel Streets) and the bay foreshore, driven by tourism, entertainment and residential demand. Council-led infrastructure and public realm projects complement private DAs to strengthen the suburb's role as a major destination and established residential neighbourhood.

Heritage

Heritage listed

St Kilda is a prominent inner-city suburb with extensive heritage significance, featuring multiple state-listed landmarks including the iconic Pier and Luna Park. The suburb is predominantly covered by Heritage Overlay and Character Residential zones that protect its distinctive Victorian and Edwardian streetscapes, beachside character, and entertainment precinct heritage. Most properties in the residential hinterland are subject to some form of heritage or character-based development control.

Sources: Australian Gov open data, OpenStreetMap + StMate AI

Disclaimer: This report combines data from Australian Government open data portals (CC-BY 4.0) and StMate AI. For non-NSW properties some sections (zoning, flood, bushfire, development, heritage) are AI-generated based on publicly known suburb characteristics — always verify with the relevant council or authority before making decisions. This report does not constitute legal, financial, or planning advice.

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