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5 Smith St, Winchelsea$578,000

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For Salehouse

5 Smith St

Winchelsea, VIC 3241, Australia

$568,000 – $588,000

3 bed 1 bath 1 car855 m²

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Listing description

About this property

Positioned in a quiet, established pocket of Winchelsea, this well-held three-bedroom home delivers the ideal combination of immediate income and long-term potential a compelling opportunity for the astute investor. Currently returning $430 per week, the property provides a solid and reliable income stream from day one, appealing to those seeking a low-maintenance, set-and-forget addition to their portfolio. The home itself offers a practical layout with three bedrooms, a central bathroom, and comfortable living zones that continue to attract steady tenant demand. Set on a substantial 855m² (approx.) allotment, the property's true strength lies in its future potential. With ample space and favourable positioning, there is exciting scope for further development or subdivision (subject to council approval), making it an ideal land bank for those looking to maximise returns over time. The location further strengthens its investment appeal, being within close proximity to local parklands and the Winchelsea Golf Club. These lifestyle amenities enhance tenant desirability and support ongoing rental stability. Offering a rare blend of immediate cash flow and future growth potential, this is a strategic acquisition in a steadily growing regional market. Whether you're expanding your portfolio or securing a site with upside, this is an opportunity not to be overlooked.

Property Details

Property Type: house
Listing Type: For Sale
Bedrooms: 3
Bathrooms: 1
Parking: 1
Land Area: 855 m²
Listed: 2 months ago

Repayment calculator

$2,802/month

$1,401 /fortnight

Loan $462,400 at 6.10% over 30 years

Upfront costs

Deposit$115,600

Stamp duty$29,750

Conveyancing (est.)$2,000

Total upfront$147,350

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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 Winchelsea

This 3-bedroom house in Winchelsea, VIC 3241 sits within reach of public transport, local shops and nearby schools. It is listed 2% below the $591,921 median of 79 comparable houseswithin 5 km.

Schools near Winchelsea

Winchelsea Primary Schoolprimary · Prep-6 · CoEd

What's nearby

Winchelsea 1 (train) — 728 m away
The Vault — 459 m away
Unnamed — 241 m away
Unnamed — 446 m away
Unnamed — 556 m away

Winchelsea at a glance

Full suburb profile

Population: 2,456
Median age: 41
Household income: $1,442/wk
Median rent: $295/wk
Median mortgage: $1,560/mo

Source: ABS Census.

Due diligence

Property Report

Lifestyle & access

Schools

6 nearby schools

Catchment: Winchelsea Primary School

Public transport

1 stops within 1.5km

Nearest: Winchelsea (0.7km)

Traffic

Low congestion

Minimal peak-hour impact typical of rural Victoria. Light increases in traffic during school hours and local commute times, but no significant congestion expected.

Noise

Moderate noise

Nearest: road (0.2km)

Risk & safety

Flood risk

Medium

Winchelsea is located in the Barwon River catchment in western Victoria and has documented flood risk from riverine inundation. The township and surrounding areas fall within the Land Subject to Inundation Overlay (LSIO), reflecting historical and modelled flood exposure. Properties in this locality should be assessed individually against the Corangamite Shire flood mapping to determine specific risk.

Bushfire risk

Moderate

BAL: BAL-19

Crime profile

below average

Trend: stable

Planning & context

Zoning

GRZ1 — General Residential Zone - Schedule 1

Surf Coast Planning Scheme

Nearby development

4 projects nearby

Winchelsea is a small rural township in the Corangamite Shire with limited urban development pressure. Activity is concentrated on low-density rural residential subdivisions, township amenity upgrades, and agricultural diversification rather than major residential or commercial projects. Development patterns reflect typical regional Victoria priorities: infrastructure maintenance, community facilities, and hobby farm or lifestyle lot creation on surrounding land.

Heritage

Heritage listed

Winchelsea is a historic town centre in regional Victoria with a well-preserved 19th-century streetscape. Many properties within the town centre and conservation overlay are subject to heritage protection, particularly along the main street and around civic buildings. Development and modifications to heritage-listed properties require council approval and heritage compliance.

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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