31 Stella Road, Umina Beach NSW 2257

3-bed coastal house | 519m² mid-size lot | bushfire overlay noted | no flood exposure | family catchment This house is shown to be a well-configured example of the established coastal stock that defines Umina Beach. A freestanding 3-bedroom layout on a mid-size 519m² lot is considered a practical fit for families and downsizers, with the single bathroom being a typical feature of this property type. It is positioned within catchment for Umina Beach Public School and Brisbane Water Secondary College Umina Campus, which is seen as a meaningful advantage for owner-occupier demand. The absence of flood exposure is viewed as a genuine positive in a coastal suburb, while the detached form and generous internal area of approximately 185m² are regarded as competitive. The property is best suited to family buyers or those seeking a coastal house with solid fundamentals and scope for personalisation. Bushfire risk may be seen as a factor that influences insurance premiums and could be expected to narrow the pool of interested buyers. The single bathroom might be regarded as limiting for larger households, and the absence of a stated construction year may be viewed as requiring further due diligence. Internal condition and presentation are likely to be considered material when forming a view on price, while the potential for modernisation might be assessed as adding scope for value uplift. >> Comparable Sales: 31 Stella Road (Jul 2025) $1,188,800; similar 3-bed houses on 500m²+ lots $1.15M–$1.25M | Property Price Band: $1.1M–$1.2M | Value Drivers: land size, no flood exposure, single bathroom, bushfire overlay