Title boundary · 39,974 m² · LINZ
Unclaimed

427 Earlys Road, Cust

Waimakariri District

Last sold Feb 2025

OwnBetter estimate
$1.15m
Medium confidence

We estimate it would sell for $1,150,000 as at 5 October 2026, in a range of $1,030,000 to $1,310,000.

Typical home in Cust
$1.01m
The median of our estimates of its 425 homes
How we worked this out
Council valuation, Jun 2025$1,100,000
Market movement in Waimakariri District since the council valuation+2.6%
Apartments and houses in Waimakariri District+0.2%
How Cust sells against council values−0.5%
Homes of this age in Cust+0.1%
Homes in this price range+0.8%
Land as a share of the value+0.9%
Its own sale in 2025+0.4%
Our estimate$1,150,000

We start from the council's rating valuation, move it by how sales in the area have moved since against their own council values, then by how properties like this one, nearby sales and its own last sale have done against the same arithmetic. Each step is an average of real sales. Tested every month against sales we had not seen: half land within about 6% of our estimate, and about 8 in 10 within the range. This is an automated estimate, not a registered valuation.

My notes
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What it costs to live here

Home expense estimates

Mortgage: open the section
$4,656a month, all in

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

What it would cost to buy 427 Earlys Road

Every rate from 36 lenders →
Estimated repayments
$2,148
$920,000 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
Average5.03%
Highest5.35%Kookmin

The lowest rather than the highest is $222 less a fortnight — about $5,773 over the 1 year.

All 17 lenders at 1 year fixed
  • China Construction Bank4.49%s$2,148/fn
  • ICBC4.65%s$2,188/fn
  • Bank of China4.68%s$2,196/fn
  • AIA New Zealand4.99%$2,276/fn
  • ANZ Bank New Zealand4.99%s$2,276/fn
  • ASB Bank4.99%$2,276/fn
  • Bank of Baroda4.99%$2,276/fn
  • Police Credit Union4.99%$2,276/fn
  • Unity Credit Union4.99%s$2,276/fn
  • Kiwibank5.15%s$2,317/fn
  • Bank of New Zealand5.19%$2,328/fn
  • SBS Bank5.19%s$2,328/fn
  • The Co-operative Bank5.19%s$2,328/fn
  • TSB Bank5.19%s$2,328/fn
  • Westpac New Zealand5.19%s$2,328/fn
  • First Credit Union5.29%s$2,354/fn
  • Kookmin Bank Auckland Branch5.35%$2,370/fn
Brokers can often beat the advertised rate Tell us a few things and mortgage brokers compete to finance 427 Earlys Road. 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. How much could you borrow? · Mortgage calculator

Investor insights

427 Earlys Road as a rental

Rent estimate$815/wk$710–$940 · Little evidence
Gross yield3.7%$42,380 a year on $1.15m
Net yield3.0%After $7,498 of costs
Cash flow−$108/wk30% deposit, interest only at 5.03%
Rent, 52 weeks$42,380
Empty between tenants 2 weeks−$1,630
Property management 9.2% incl. GST−$3,749
Maintenance 5% of rent−$2,119
Council rates this yearNot known
Landlord insurance the buildingNot known
Net income before interest$34,882
Interest $805,000 at 5.03%, interest only−$40,492
Cash flow before tax−$5,610

The rent covers the interest at rates up to 4.33%. That is -1.6% a year on a $345k deposit. A guide before tax and capital growth, from our estimates; not financial advice.

Property data

  • Floor area220 m²
  • Decade built1910s
  • Bedrooms4
  • Bathrooms2
  • Parking2 car spaces
  • Property categoryUse not published
  • CouncilWaimakariri District
  • Valuation #21580-17301
  • Valuation date1 Jun 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 number898652
  • Title typeFreehold
  • Estate descriptionFee Simple, 1/1, Lot 2 Deposited Plan 538537, 40,000 m2
  • Land area39,974 m²
  • Title issued14 Feb 2020
  • Land districtCanterbury
Instruments on this title3 registered instrumentsConsent Notice under s221(4)(a) Resource Management Act 1991 · Easement Instrument · Mortgage 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

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 · 1 land use or subdivision consent within 250 m.

Within 250 m

  1. 2 Feb 2018
    Land use

    TO INSTALL NON-COMPLYING VEHICLE CROSSING & CONVERT SHED TO RESIDENTIAL DWELLING WITHIN SETBACK TO ROAD BOUNDARY

    RC185022 · Waimakariri District
    241 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.

We do not hold flood maps for Waimakariri District 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 Register

What 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 Cust

Waimakariri District
542
Properties on the rating roll
1 Jun 2025
Last council revaluation

Counts describe the records we hold for this territorial authority, not a market forecast. Our estimate above is automated, not a registered valuation; how it was reached is shown with it. Every council figure on this page can be checked against the council's own record.

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