100 Water Street S, South Toowoomba QLD 4350

Modern four-bedroom home | ducted heating and cooling | under-floor heated ensuite | flood overlay detected | South Toowoomba residential catchment This house presents a rare configuration advantage in South Toowoomba: four bedrooms with three parking spaces on a manageable 446m² lot, combined with premium comfort features like ducted zoned air conditioning, ducted heating, and an ensuite with under-floor heating. For a buyer seeking a low-maintenance, move-in-ready family home with strong rental potential,midpoint yield estimated at $635 per week,this property competes effectively against older stock in the area. The 38% building coverage and 170m² floorplan offer efficient space without excessive land cost, and the reliable NBN and 5G coverage support modern work-from-home needs. It suits owner-occupiers wanting comfort and investors targeting the Harristown school catchment. The confirmed flood overlay is the primary risk, potentially affecting insurance premiums and resale liquidity; buyers should verify exact inundation levels via Queensland Globe and factor a 10–15% insurance premium buffer into holding costs. The property’s capital growth history,from $349k in 2020 to a current estimated mid-range of $730k,shows strong local demand, but the flood risk may cap future appreciation relative to non-affected comparables. Commercial logic supports purchase at or below the Domain mid-estimate, with a hold strategy focused on rental income and long-term land value in a growing regional centre. Use this property as a comfortable, low-upkeep family home or a reliable rental investment, provided flood risk is fully understood and insured against.