90 Ham Street, Cloncurry QLD 4824

90 Ham Street, Cloncurry QLD 4824
Large 1,620m² block | 3-bed, 1-bath house | Off-market residential holding | P-12 school catchment | No overlay restrictions detected This property’s competitive edge is the land. At 1,620m², it offers significantly more yard space than typical detached houses in Cloncurry, which tend to sit on parcels closer to 1,000m². That extra land translates into practical options—room for a shed, vehicle storage, a garden, or future subdivision potential if zoning permits. The house itself is straightforward: three bedrooms, one bathroom, single car space. It is not a premium build, but it does not need to be. The property serves best a buyer who prioritises land value and a quiet residential setting over polished interiors. Given the absence of bushfire, flood, or heritage overlays, the site is relatively uncomplicated to hold or improve. For a local owner-occupier wanting space, or an investor seeking an affordable entry into a regional market, this is a sensible, low-risk proposition. The property’s value may be shaped by how the house compares to the land. If the dwelling is dated or needs work, the price will lean toward land value rather than improved value. Conversely, if the house is serviceable, the large block could justify a premium over smaller neighbouring lots. Market conditions in Cloncurry appear steady but thin, so buyer depth may be limited, meaning the sale timeline could stretch. The lack of NBN connection details in available data might matter for remote workers, though 4G coverage is noted. Any buyer should weigh the cost of potential upgrades—kitchen, bathroom, roofing—against the purchase price, as these could materially affect resale. || Comparable Sales: 97 Ham Street sold $243,100; 75 Ham Street listed $399,000 | Property Price Band: $200,000–$300,000 | Value Drivers: land size, dwelling condition, street position
Detailed Independent Property Report prepared  by PropCred Analyst team for 90 Ham Street, Cloncurry QLD 4824
Checks found:
Value Risk 2
Liquidity Risk
Planning Risk ! 1
Income Risk ! 1
Execution Risk ! 1
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Market Insight

under 900 chars, single paragraph, AFR-style, no advisory. Cover points. Use data. Need reconcile conflicting medians etc. Mention Cloncurry QLD. Demand: family-oriented renters/buyers, 43% couples with children, 43% renting, young demographic. Investor interest due yields up to 8.59%, low vacancy 0.61-0.87%. Price trend: median house ~$265k-285k, growth 22-30.7% annual, but one source -6.28% over 2 years, days on market mixed (27 vs 151/438) – maybe note tight conditions but thin sales volume ~56-61. Future drivers: affordability below QLD average, infrastructure via Railway Street proximity? No school data omit. Risks: supply 30 listings, rate sensitivity price decline over 2 years, thin sales volume. Need under 900. Draft. Count characters. Write paragraph: Cloncurry, in Queensland’s northwest, is a low-cost market where family-oriented renters and buyers dominate: 43% of households are couples with children and 43% of residents rent, with 25% under 19. Investor demand is underpinned by tight supply — vacancy sits between 0.61% and 0.87% — and gross house yields reaching 8.59%. Median house prices cluster around $265,000–$285,000 after 22–31% annual growth, though one series shows a 6.28% decline over two years, signalling rate sensitivity. Sales activity is thin at roughly 56–61 houses annually, and reported days on market vary from 27 to 151, reflecting a shallow but liquid market. Affordability relative to the state median supports buyer interest, but the stock pipeline is limited at about 30 listings, and the absence of school catchment data leaves a gap in assessing family demand durability. Price growth has been rapid, yet the combination of low volume and modest inventory means Cloncurry remains a niche market reliant on local economic conditions. Need check characters. Let’s count. I’ll approximate. The paragraph as written maybe 950? Let’s count manually. I’ll copy into counter mentally? Better write shorter. Need ensure under 900. Let’s trim. Alternative: Cloncurry, in Queensland’s northwest, is a low-cost market where family-oriented renters and buyers dominate: 43% of households are couples with children, 43% of residents rent, and 25% are under 19. Investor demand is underpinned by tight supply, with vacancy between 0.61% and 0.87%, and gross house yields up to 8.59%. Median house prices sit around $265,000–$285,000 after 22–31% annual growth, though one series shows a 6.28% decline over two years, signalling rate sensitivity. Sales are thin at roughly 56–61 houses annually, and days on market vary from 27 to 151, indicating a shallow market. Affordability relative to the state median supports buyer interest, but the stock pipeline is limited at about 30 listings. Rapid price growth, low volume and modest inventory make Cloncurry a niche market tied to local conditions. Count: Let’s do approximate. I’ll count characters. “Cloncurry, in Queensland’s northwest, is a low-cost market where family-oriented renters and buyers dominate: 43% of households are couples with children, 43% of residents rent, and 25% are under 19.” – Let’s count: C l o n c u r r y (9) + comma space (2) =11? Actually “Cloncurry,” =10? Let’s do systematically. Better use a simple method: write in segments. Segment1: “Cloncurry, in Queensland’s northwest, is a low-cost market where family-oriented renters and buyers dominate: 43% of households are couples with children, 43% of residents rent, and 25% are under 19.” Count characters: “Cloncurry” =9 “, ” =2 ->11 “in ” =3 ->14 “Queensland’s” =13? Q u e e n s l a n d ’ s = 13 (with curly apostrophe) ->27 ” ” =1 ->28 “northwest,” =10? n o r t h w e s t , =10 ->38 ” “=1 ->39 “is”=2 ->41 ” “=1 ->42 “a”=1 ->43 ” “=1 ->44 “low-cost”=8 ->52 ” “=1 ->53 “market”=6 ->59 ” “=1 ->60 “where”=5 ->65 ” “=1 ->66 “family-oriented”=15? f a m i l y – o r i e n t e d = 15 ->81 ” “=1 ->82 “renters”=7 ->89 ” “=1 ->90 “and”=3 ->93 ” “=1 ->94 “buyers”=6 ->100 ” “=1 ->101 “dominate:”=9 ->110 ” “=1 ->111 “43%”=3 ->114 ” “=1 ->115 “of”=2 ->117 ” “=1 ->118 “households”=10 ->128 ” “=1 ->129 “are”=3 ->132 ” “=1 ->133 “couples”=7 ->140 ” “=1 ->141 “with”=4 ->145 ” “=1 ->146 “children,”=9 ->155 ” “=1 ->156 “43%”=3 ->159 ” “=1 ->160 “of”=2 ->162 ” “=1 ->163 “residents”=9 ->172 ” “=1 ->173 “rent,”=5 ->178 ” “=1 ->179 “and”=3 ->182 ” “=1 ->183 “25%”=3 ->186 ” “=1 ->187 “are”=3 ->190 ” “=1 ->191 “under”=5 ->196 ” “=1 ->197 “19.”=3 ->200. So segment1 200 chars. Segment2: “Investor demand is underpinned by tight supply, with vacancy between 0.61% and 0.87%, and gross house yields up to 8.59%.” Count: “Investor”=8, space=1=9, “demand”=6=15, space=1=16, “is”=2=18, space=1=19, “underpinned”=11=30, space=1=31, “by”=2=33, space=1=34, “tight”=5=39, space=1=40, “supply,”=7=47, space=1=48, “with”=4=52, space=1=53, “vacancy”=7=60, space=1=61, “between”=7=68, space=1=69, “0.61%”=5=74, space=1=75, “and”=3=78, space=1=79, “0.87%,”=6=85, space=1=86, “and”=3=89, space=1=90, “gross”=5=95, space=1=96, “house”=5=101, space=1=102, “yields”=6=108, space=1=109, “up”=2=111, space=1=112, “to”=2=114, space=1=115, “8.59%.”=6? 8 . 5 9 % . =6 ->121. So segment2 121. Segment3: “Median house prices sit around $265,000–$285,000 after 22–31% annual growth, though one series shows a 6.28% decline over two years, signalling rate sensitivity.” Count: “Median”=6, space=1=7, “house”=5=12, space=1=13, “prices”=6=19, space=1=20, “sit”=3=23, space=1=24, “around”=6=30, space=1=31, “$265,000–$285,000” : $ 2 6 5 , 0 0 0 – $ 2 8 5 , 0 0 0 = 17? Let’s count: “$265,000” =8 ( $,2,6,5, comma,0,0,0 =8) + en dash “–”=1 =>9 + “$285,000″=8 =>17. So 31+17=48, space=1=49, “after”=5=54, space=1=55, “22–31%” : 2 2 – 3 1 % =6 =>61, space=1=62, “annual”=6=68, space=1=69, “growth,”=7=76, space=1=77, “though”=6=83, space=1=84, “one”=3=87, space=1=88, “series”=6=94, space=1=95, “shows”=5=100, space=1=101, “a”=1=102, space=1=103, “6.28%”=5=108, space=1=109, “decline”=7=116, space=1=117, “over”=4=121, space=1=122, “two”=3=125, space=1=126, “years,”=6=132, space=1=133, “signalling”=10=143, space=1=144, “rate”=4=148, space=1=149, “sensitivity.”=12? s e n s i t i v i t y . =12 ->161. So segment3 161 chars. Segment4: “Sales are thin at roughly 56–61 houses annually, and days on market vary from 27 to 151, indicating a shallow market.” Count: “Sales”=5, space=1=6, “are”=3=9, space=1=10, “thin”=4=14, space=1=15, “at”=2=17, space=1=18, “roughly”=7=25, space=1=26, “56–61” : 5 6 – 6 1 =5 =>31, space=1=32, “houses”=6=38, space=1=39, “annually,”=9=48, space=1=49, “and”=3=52, space=1=53, “days”=4=57, space=1=58, “on”=2=60, space=1=61, “market”=6=67, space=1=68, “vary”=4=72, space=1=73, “from”=4=77, space=1=78, “27”=2=80, space=1=81, “to”=2=83, space=1=84, “151,”=4=88, space=1=89, “indicating”=10=99, space=1=100, “a”=1=101, space=1=102, “shallow”=7=109, space=1=110, “market.”=7=117. Segment4 117. Segment5: “Affordability relative to the state median supports buyer interest, but the stock pipeline is limited at about 30 listings.” Count: “Affordability”=13, space=1=14, “relative”=8=22, space=1=23, “to”=2=25, space=1=26, “the”=3=29, space=1=30, “state”=5=35, space=1=36, “median”=6=42, space=1=43, “supports”=8=51, space=1=52, “buyer”=5=57, space=1=58, “interest,”=9=67, space=1=68, “but”=3=71, space=1=72, “the”=3=75, space=1=76, “stock”=5=81, space=1=82, “pipeline”=8=90, space=1=91, “is”=2=93, space=1=94, “limited”=7=101, space=1=102, “at”=2=104, space=1=105, “about”=5=110, space=1=111, “30”=2=113, space=1=114, “listings.”=9=123. Segment5 123. Segment6: “Rapid price growth, low volume and modest inventory make Cloncurry a niche market tied to local conditions.” Count: “Rapid”=5, space=1=6, “price”=5=11, space=1=12, “growth,”=7=19, space=1=20, “low”=3=23, space=1=24, “volume”=6=30, space=1=31, “and”=3=34, space=1=35, “modest”=6=41, space=1=42, “inventory”=9=51, space=1=52, “make”=4=56, space=1=57, “Cloncurry”=9=66, space=1=67, “a”=1=68, space=1=69, “niche”=5=74, space=1=75, “market”=6=81, space=1=82, “tied”=4=86, space=1=87, “to”=2=89, space=1=90, “local”=5=95, space=1=96, “conditions.”=11=107. Segment6 107. Total: 200+121+161+117+123+107 = 829. Plus spaces between segments? We have spaces as punctuation after periods? The concatenated paragraph has a space after each period. In my segments I included leading spaces? Actually segments do not include space after period except maybe segment1 ends with “19.” then segment2 starts “Investor” – need space. I did not include space between segments. In concatenation, need add 5 spaces for 6 segments. That’s +5 = 834. Also “–” counts as one. Good. Under 900. But check content: “no advisory language” – fine. “no marketing language” – fine. “Anchor every statement” – we used data. “No bullet points” – fine. “Do not include median wages,or other demographic data but use qualitative insidcators as high, medium, etc” – we used 43% etc but that’s demographic data? The rule says “Do not include median wages,or other demographic data but use qualitative insidcators as high, medium, etc” Actually this is a bit confusing: The user says “Do not include median wages,or other demographic data but use qualitative insidcators as high, medium, etc” That suggests not to include median wages or other demographic data? But then we are told to cover “Who is driving demand and why” and in data given demographics. The instruction says “Do not include median wages,or other demographic data but use qualitative insidcators as high, medium, etc” Hmm. We need interpret. Perhaps they mean don’t list raw demographic statistics; instead use qualitative indicators like “high proportion of families” etc. Our paragraph includes 43% and 25% – that is demographic data. Need avoid raw demographic numbers. Need rephrase using qualitative indicators. So change segment1 to: “Cloncurry, in Queensland’s northwest, is a low-cost market where family-oriented renters and buyers dominate: a high share of households are couples with children, a large portion of residents rent, and the under-19 cohort is substantial.” That uses qualitative. Need also avoid “43%” etc. Also “couples with children” is demographic but qualitative. Let’s adjust. Need keep under 900. Also “rental population 29.22%” etc not needed. Let’s rewrite paragraph: “Cloncurry, in Queensland’s northwest, is a low-cost market where family-oriented renters and buyers dominate: a high share of households are couples with children, a large portion of residents rent, and the under-19 cohort is substantial. Investor demand is underpinned by tight supply, with vacancy between 0.61% and 0.87%, and gross house yields up to 8.59%. Median house prices sit around $265,000–$285,000 after 22–31% annual growth, though one series shows a 6.28% decline over two years, signalling rate sensitivity. Sales are thin at roughly 56–61 houses annually, and days on market vary from 27 to 151, indicating a shallow market. Affordability relative to the state median supports buyer interest, but the stock pipeline is limited at about 30 listings. Rapid price growth, low volume and modest inventory make Cloncurry a niche market tied to local conditions.” Now count again. Segment1 revised: “Cloncurry, in Queensland’s northwest, is a low-cost market where family-oriented renters and buyers dominate: a high share of households are couples with children, a large portion of residents rent, and the under-19 cohort is substantial.” Let’s count. “Cloncurry,” 10? Actually Cloncurry comma =10, space=1=11, “in”=2=13, space=1=14, “Queensland’s”=13? Q u e e n s l a n d ’ s = 13 (plus curly apostrophe). So 14+13=27, space=1=28, “northwest,”=10=38, space=1=39, “is”=2=41, space=1=42, “a”=1=43, space=1=44, “low-cost”=8=52, space=1=53, “market”=6=59, space=1=60, “where”=5=65, space=1=66, “family-oriented”=15=81, space=1=82, “renters”=7=89, space=1=90, “and”=3=93, space=1=94, “buyers”=6=100, space=1=101, “dominate:”=9=110, space=1=111, “a”=1=112, space=1=113, “high”=4=117, space=1=118, “share”=5=123, space=1=124, “of”=2=126, space=1=127, “households”=10=137, space=1=138, “are”=3=141, space=1=142, “couples”=7=149, space=1=150, “with”=4=154, space=1=155, “children,”=9=164, space=1=165, “a”=1=166, space=1=167, “large”=5=172, space=1=173, “portion”=7=180, space=1=181, “of”=2=183, space=1=184, “residents”=9=193, space=1=194, “rent,”=5=199, space=1=200, “and”=3=203, space=1=204, “the”=3=207, space=1=208, “under-19″=8? u n d e r – 1 9 =8 =>216, space=1=217, “cohort”=6=223, space=1=224, “is”=2=226, space=1=227, “substantial.”=12? s u b s t a n t i a l . =12 =>239. So segment1 revised 239. Previous total was 829 with old segment1 200. New difference +39 => 868. Plus 5 spaces between segments = 873. Still under 900. But need ensure “Queensland’s” curly apostrophe counts as 1? Yes. “under-19” is 8. Good. Need check “family-oriented” hyphen counts each char. Fine. Now we need ensure no “median wages” – we have median house prices, that’s fine. “Median house prices” is not demographic data. Also “state median” refers to price. Need consider “no advisory language” – “make Cloncurry a niche market tied to local conditions” is analysis, not advisory. Fine. Need “future growth drivers, Key risks” – we have affordability and stock pipeline, rate sensitivity. Future growth drivers? We have “Rapid price growth” and investor demand, affordability. But future growth drivers not explicitly. The prompt says cover “future growth drivers, Key risks or constraint” as point 4. We need include something like “affordability relative to the state median supports buyer interest” as driver, and “rate sensitivity” and “limited stock” as risks. That’s acceptable. Need mention “suburb positioning” – “low-cost market” does that. Need “Who is driving demand and why” – family-oriented renters and buyers, investor demand due yields and tight vacancy. Need “Recent price trend and market conditions” – median prices, growth, sales volume, days on market. Need “future growth drivers, Key risks” – affordability, stock pipeline, rate sensitivity. Need ensure “days on market vary from 27 to 151” – actually data has 27,25,151,438. We use 27 to 151 but omit 438. That’s fine because “vary” but not fully accurate? Better say “reported days on market range from 27 to 438” to anchor data. But “438 average” is outlier. Could say “reported days on market range from 27 to 438” – that includes data. But then “shallow market” might be odd. Let’s adjust to “reported days on market range from 27 to 438” for accuracy. That adds characters. Original segment4: “Sales are thin at roughly 56–61 houses annually, and days on market vary from 27 to 151, indicating a shallow market.” Change to “and reported days on market range from 27 to 438” – count change. Let’s recalc: “Sales are thin at roughly 56–61 houses annually, and reported days on market range from 27 to 438, indicating a shallow market.” Count segment4 new: “Sales”=5, space=1=6, “are”=3=9, space=1=10, “thin”=4=14, space=1=15, “at”=2=17, space=1=18, “roughly”=7=25, space=1=26, “56–61″=5=31, space=1=32, “houses”=6=38, space=1=39, “annually,”=9=48, space=1=49, “and”=3=52, space=1=53, “reported”=8=61, space=1=62, “days”=4=66, space=1=67, “on”=2=69, space=1=70, “market”=6=76, space=1=77, “range”=5=82, space=1=83, “from”=4=87, space=1=88, “27”=2=90, space=1=91, “to”=2=93, space=1=94, “438,”=4=98, space=1=99, “indicating”=10=109, space=1=110, “a”=1=111, space=1=112, “shallow”=7=119, space=1=120, “market.”=7=127. So segment4 new 127 vs previous 117, +10. Total now 878 + spaces? Let’s recompute total with new segments. Segment1 239 Segment2 121 Segment3 161 Segment4 127 Segment5 123 Segment6 107 Sum = 239+121=360, +161=521, +127=648, +123=771, +107=878. Plus 5 spaces between segments = 883. Under 900. Good. Need check punctuation: “Cloncurry, in Queensland’s northwest, is a low-cost market…” The apostrophe is curly, fine. “56–61” en dash. “22–31%” en dash. “$265,000–$285,000” en dash. All fine. Need ensure “under-19 cohort” is qualitative. Yes. Need ensure “a large portion of residents rent” – data says 43% renting, and rental population 29.22% (different). We use “large portion” acceptable. Need “dominant buyer demographics” – we have family-oriented renters and buyers. Need “Key risks (affordability, supply, rate sensitivity)” – we have affordability as positive, stock pipeline limited, rate sensitivity via decline. Good. Need “transport and infrastructure links” – we omitted, as per rule if N/A? The data had no specific. We can omit. “School catchment quality” omitted. That’s fine. Need “no advisory language, no recommendations, no disclaimers” – fine. Need “no marketing language or real estate clichés” – “low-cost market” is factual, “niche market” is analytical. Fine. Need “AFR-style, precise, confident, advisory tone” – The tone is declarative. “signalling rate sensitivity” is confident. Good. Need final answer as single paragraph. No bullet points. Ensure no extra text. Output only paragraph. Let’s produce final.Cloncurry, in Queensland’s northwest, is a low-cost market where family-oriented renters and buyers dominate: a high share of households are couples with children, a large portion of residents rent, and the under-19 cohort is substantial. Investor demand is underpinned by tight supply, with vacancy between 0.61% and 0.87%, and gross house yields up to 8.59%. Median house prices sit around $265,000–$285,000 after 22–31% annual growth, though one series shows a 6.28% decline over two years, signalling rate sensitivity. Sales are thin at roughly 56–61 houses annually, and reported days on market range from 27 to 438, indicating a shallow market. Affordability relative to the state median supports buyer interest, but the stock pipeline is limited at about 30 listings. Rapid price growth, low volume and modest inventory make Cloncurry a niche market tied to local conditions.
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PropCred Estimated Value

Comparable Sales: 97 Ham Street sold $243,100; 75 Ham Street listed $399,000 | Property Price Band: $200,000–$300,000 | Value Drivers: land size, dwelling condition, street position

Bedrooms

3

Bathroom

1

Parking

1

Land

1620m²

Research & Review Prepared by Brian Moon, Analyst · Reviewed by Matt Proctor, Principal Analyst
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