AerialNot listed$3,925,000 CV
104 Esplanade, Sumner
Title boundary · 767 m² · LINZ
Rent estimate · 11 Oct 2026
$970 – $1,280/week
Most likely about $1,115 a week · Little evidence: a rough guide
Estimated rental yield
1.8%
What is rental yield?
Gross rental yield is a year’s rent as a share of what the property is worth: $1,115 × 52 weeks = $57,980, against the council valuation of $3,270,000. It is before rates, insurance, maintenance, management and vacancies, so what an owner keeps (the net yield) is lower.
How we worked this out
| Evidence | Points to | Counted |
|---|---|---|
| From its value what rentals in the area typically yield | $1,114 | 100% |
We read this property as a house. Rentals advertised nearby count most when they are close, recent and alike; the more of them there are, the less the area’s bond figures count. Bond figures are rents agreed in new tenancies, from Tenancy Services, placed within the area by how this property’s council valuation compares with similar homes there.
These are computer-generated guides only, not a rental appraisal.
My notes
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Thinking of buying?Free pre-purchase running cost report Mortgage repayments, this year’s council rates, and estimates for insurance, electricity, gas and internet at this address — saved to your watchlist.
Sign in for the free reportHome expense estimates
Estimates from the floor area and typical New Zealand prices, not quotes. Power, gas and internet details from the Electricity Authority and Gas Industry Co registries and Chorus.
Home loan
Every rate from 36 lenders →What it would cost to buy 100 Esplanade
Estimated repayments
$6,108
$2,616,000 at 4.49% 1 year fixed with China Construction Bank, over 30 years Loan length
1 year fixed today · 17 lenders
Lowest4.49%
CCB · special
CCB · specialAverage5.03%
Highest5.35%
Kookmin
KookminThe lowest rather than the highest is $631 less a fortnight — about $16,416 over the 1 year.
All 17 lenders at 1 year fixed
- China Construction Bank4.49%s$6,108/fn
ICBC4.65%s$6,223/fn
Bank of China4.68%s$6,244/fn
AIA New Zealand4.99%$6,471/fn
ANZ Bank New Zealand4.99%s$6,471/fn
ASB Bank4.99%$6,471/fn
Bank of Baroda4.99%$6,471/fn
Police Credit Union4.99%$6,471/fn
Unity Credit Union4.99%s$6,471/fn
Kiwibank5.15%s$6,589/fn
Bank of New Zealand5.19%$6,619/fn
SBS Bank5.19%s$6,619/fn
The Co-operative Bank5.19%s$6,619/fn
TSB Bank5.19%s$6,619/fn
Westpac New Zealand5.19%s$6,619/fn
First Credit Union5.29%s$6,694/fn- Kookmin Bank Auckland Branch5.35%$6,739/fn
Brokers can often beat the advertised rate Tell us a few things and mortgage brokers compete to finance 100 Esplanade. Free for you — lenders pay brokers — and nobody sees your name until you choose one.
Principal and interest at the lowest advertised card rate, held for the whole loan — no New Zealand rate is. A guide, not a lending offer or financial advice.
Investor insights
100 Esplanade as a rental
Rent estimate$1,115/wk$970–$1,280 · Little evidence
Gross yield1.8%$57,980 a year on $3.27m
Net yield1.5%After $10,258 of costs
Cash flow−$1,296/wk30% deposit, interest only at 5.03%
| Rent, 52 weeks | $57,980 |
|---|---|
| Empty between tenants 2 weeks | −$2,230 |
| Property management 9.2% incl. GST | −$5,129 |
| Maintenance 5% of rent | −$2,899 |
| Council rates this year | Not known |
| Landlord insurance the building | Not known |
| Net income before interest | $47,722 |
| Interest $2,289,000 at 5.03%, interest only | −$115,137 |
| Cash flow before tax | −$67,415 |
The rent covers the interest at rates up to 2.08%. That is -6.9% a year on a $981k deposit. A guide before tax and capital growth, from our estimates; not financial advice.
Property data
- Floor area260 m²
- Land area771 m²
- Decade built1910s
- Parking2 car spaces
- Property categoryRD192A
- Zoning (valuer’s record)9B
- CouncilChristchurch City
- Valuation #22920-59200
- Valuation date1 Aug 2025
From the council’s rating records and the other sources noted on hover. Bedrooms and bathrooms may come from a past listing. Built is the decade the valuer records.
Title and land
Order a title record- Title numberCB24B/1199
- Title typeFreehold
- Estate descriptionFee Simple, 1/1, Lot 5 Deposited Plan 3527, 771 m2
- Land area767 m²
- Title issued21 Feb 1983
- Land districtCanterbury
Instruments on this title1 registered instrumentTransfer and Grant of Easement See the title summary →
Owners and the parties to each instrument are not published on this page. Order the record of title to see them.
Getting around
Real-estate Listings
Selling this property, or the agent for it? Import the listing from your agency's site or a portal and it appears here, free: photos, price, open homes and your details, beside the council record buyers are already reading.
Building consents
We hold no building consents for this property yet. The council may hold records we have not seen.
Resource consents
What the council has been asked to allow under the Resource Management Act. None on this property · 25 land use or subdivision consents within 250 m.
Within 250 m
- 29 Apr 2025167 mGranted
- 21 Nov 2024Land use
Construction of detached entertainment area and retrospective construction of road boundary fence
RMA/2024/3355 · Christchurch City71 mGranted - 22 Jul 2024194 mGranted
- 27 Jun 2024243 mGranted
- 11 Jan 2024137 mGranted
- 12 Oct 2023244 mGranted
Ministry for the Environment, National Monitoring System, July 2014 to June 2025. All resource consents
Unclaimed
Nobody is tracking this property yet
If it is yours, claiming it puts the council record, the title and what it costs you to hold in one place — and lets you put your lending, insurance and power out to people who compete for them.
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What claiming gets you
1One live recordCouncil valuation, title details and registered interests, kept current rather than gathered again every time you need them.
2Your lending in the pictureAdd what you owe, or connect the bank, and the equity and LVR stop being a calculation you redo by hand.
3Providers compete for itPut the mortgage, the insurance and the power out to people who want the business — on your terms, when you ask.
4Everything else you ownOne search finds other titles in your name and in companies you are a director of.
Zoning and hazards
What the council's published maps say about this land. A map is a model of a storm, not a record of one: a LIM or a flood report says more.
Zoning (rating roll)9B
We do not hold flood maps for Christchurch City yet.
Contaminated land
Councils keep registers of land used for activities on the Hazardous Activities and Industries List (HAIL) — service stations, timber treatment, orchards, landfills. A listing records how land was used, not that it is contaminated: most sites have never been tested.
Environment Canterbury's Listed Land Use Register can be searched property by property on its own site, but is not published as data.
See the Listed Land Use RegisterWhat could you build here?
See whether a granny flat fits beside the house: the Building Act exemption, the national granny flat rules and the zone’s own. Then ask builders to price the shape you pick.
About Sumner
Christchurch City
1,317
Properties on the rating roll
1 Aug 2025
Last council revaluation
Counts describe the records we hold for this territorial authority, not a market forecast. OwnBetter has no estimate for this property. Every council figure on this page can be checked against the council's own record.
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