17 Apple Street, Fern Bay NSW 2295
17 Apple Street, Fern Bay NSW 2295
Detached house format | Rental-heavy street | 4-bed family configuration typical | Bushfire overlay noted | Fibre and 5G available
The property sits within a low-rise, family-oriented suburb where detached houses dominate the stock. Its likely 4-bedroom, 2-bathroom layout with two car spaces aligns well with the most active buyer pool in the area — owner-occupier families seeking coastal-suburban living. The street’s high renter share suggests steady leasing demand, which supports investor interest, while the presence of fibre and 5G adds practical appeal for modern households. For a family buyer, this configuration offers the space and amenity expected of the suburb without the premium attached to larger lots. The property’s position within a school catchment and residential zoning reinforces its suitability as a long-term family home.
Value may be influenced by the bushfire overlay detected on nearby properties, which could affect insurance costs or development flexibility. The elevated rental character of the street might temper owner-occupier demand compared to quieter pockets, potentially softening price growth. However, the standard suburban lot size and detached format remain desirable, and any internal condition or renovation level will play a significant role in final pricing. Buyers should weigh the balance between rental income potential and the stability that comes with more owner-dominated streets, as this could shape both short-term returns and long-term capital appreciation.
Detailed Independent Property Report prepared by PropCred Analyst team for 17 Apple Street, Fern Bay NSW 2295
Checks found:
Value Risk
1
Liquidity Risk
2
Planning Risk
2
Income Risk
1
Execution Risk
2
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Market Insight
Fern Bay, in the Port Stephens LGA, sits along Nelson Bay Road, a coastal corridor that shapes its lifestyle market. Demand is led by older, equity-rich buyers: 40% of residents are over 55, 46% own outright, and 48% are childless couples. House prices median around $965,000, with annual growth between 1.0% and 3.5% depending on the source, indicating a steady but restrained market. Median days on market range from 19 to 52, pointing to moderate turnover. Rental yields are modest at 3.6–3.96%, with weekly house rents of $735–$745. Sales volume is thin at 55–70 houses per year, reinforcing a tightly held suburb. Future growth drivers include a 34.49% five-year gain, though ten-year growth of 9.53% suggests recent acceleration. Key risks are limited supply and an older demographic profile, which may constrain transaction activity.
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PropCred Estimated Value
Comparable Sales: 22 Apple St sold at $780,000; 38 Apple St listed around $1.5M | Property Price Band: $0.8M–$1.5M | Value Drivers: land size, internal condition, street rental profile
Bedrooms
4
Bathroom
2
Parking
2
Land
524m²
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