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20 Irving Road, Cowes$870,000
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For Salehouse

20 Irving Road

Cowes, VIC 3922, Australia
$850,000 – $890,000
4 bed 2 bath 4 car664 m²

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About this property

Some homes just work. This one works beautifully. Solidly built of brick constrution and standing proudly in one of Cowes' most sought-after pockets, 20 Irving Road is the kind of family home that gets better every year you live in it. Four generous bedrooms plus a dedicated study mean everyone gets their own corner of the world whether that's growing kids, teenagers craving independence, space for the grandchildren or simply a quiet space to think and work. Three separate living areas give the whole family room to breathe, connect and unwind on their own terms. That's family life done well and this home is built for it. The kitchen is the heart of the house - anchored by a walk-in pantry that you'll only truly appreciate once you've lived without one. The open plan living, kitchen and dining area flows seamlessly out to a covered alfresco entertaining space, making it effortless to move the gathering outside. Whether it's a lazy Sunday breakfast or an evening with friends, this is the space where memories get made. Step outside the front door and everything you need is within easy walking distance. Cowes main street puts the supermarket, pharmacy, cafés, and restaurants right at your fingertips - the kind of everyday convenience that makes life genuinely easier. And when it's time to relax, the RSL is just a gentle stroll down the road. Phillip Island isn't just a place to visit. It's a place to live. This is your invitation. If you're an investor, our specialised rental department are here to assist in the management of your future investment. If you would like a current rental appraisal on this property, please get in contact today!

Property Details

Property Type
house
Listing Type
For Sale
Bedrooms
4
Bathrooms
2
Parking
4
Land Area
664 m²
Listed
3 months ago

Repayment calculator

$4,218/month
$2,109 /fortnight
Loan $696,000 at 6.10% over 30 years

Upfront costs

Deposit$174,000
Stamp duty$47,270
Conveyancing (est.)$2,000
Total upfront$223,270
Verify with VIC revenue office →
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 Cowes

This 4-bedroom house in Cowes, VIC 3922 sits within reach of public transport, local shops and nearby schools. It is listed 24% above the $700,000 median of 78 comparable houseswithin 5 km.

Schools near Cowes

  • Cowes Primary Schoolprimary · Prep-6 · CoEd
  • Our Lady Star of the Sea Catholic Primary Schoolprimary · Prep-6 · CoEd

What's nearby

  • St Marys Church/Phillip Island Rd (bus)392 m away
  • TerryWhite Chemmart635 m away
  • Unnamed202 m away
  • Unnamed746 m away
  • Seagrove Park900 m away

Cowes at a glance

Full suburb profile
Population
6,593
Median age
55
Household income
$1,026/wk
Median rent
$331/wk
Median mortgage
$1,550/mo

Source: ABS Census.

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Suburb market

Suburb price trend

Cowes price trend

Median sold · House 4 bed

Compound growth -3.7% / yr over 4 yrs

$781kcurrent median

Suburb-wide medians from sold listings — a guide to the area, not this specific property.

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Price history

Price history

Listing price changes

1 price change recorded for this property

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Within 5km

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