40 Church Street, Girgarre VIC 3624

3 bed house | 744sqm block | Girgarre | pending sale at $270k–$285k The property’s competitive edge lies in its combination of a generous 744sqm block with a modest 90sqm house, offering expansion or subdivision potential in a tight local market. Its three bedrooms with ceiling fans and dual split-system climate control provide a comfortable, low-maintenance living environment that appeals to first-home buyers or investors seeking a steady rental yield near $330 weekly. The fully fenced lot, lock-up garage, and two sheds add practical value for families or tradespeople, while Girgarre Primary School and Kyabram P-12 College zones strengthen its position for owner-occupiers. The bushfire overlay introduces a non-trivial risk that may increase insurance costs and limit future development options, though no flood or heritage constraints exist. The pending sale price signals a competitive window, but the buyer should verify the overlay’s impact on any planned renovations or subdivision. The reliable NBN Fixed Wireless supports remote work, a modest plus. For a buyer, this property works best as a hold for steady rental income or as a starter home with room to add value via landscaping or a deck extension, rather than a flip.