Estimate $757k – $960k
3
48 Murray Street, Caversham
Title boundary · 1,245 m² · LINZ
Unclaimed
24 Embo Street, Caversham
Dunedin · Dunedin City
Last sold Feb 1983
OwnBetter estimate
$845k
Medium confidence
We estimate it would sell for $845,000 as at 5 October 2026, in a range of $723,000 to $962,000.
Typical home in Caversham
$455k
The median of our estimates of its 985 homes
$723kLow
$845kEstimate
$850kCouncil value
$962kHigh
How we worked this out
| Council valuation, Jun 2025 | $850,000 |
|---|---|
| Market movement in Dunedin City since the council valuation | +3.3% |
| How Caversham sells against council values | −1.4% |
| Homes of this age in Caversham | −0.5% |
| Homes in this price range | −0.8% |
| Land as a share of the value | +0.4% |
| Nearby recent sales (15) | −1.5% |
| Our estimate | $845,000 |
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 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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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 24 Embo Street
Estimated repayments
$1,578
$676,000 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 $163 less a fortnight — about $4,242 over the 1 year.
All 17 lenders at 1 year fixed
- China Construction Bank4.49%s$1,578/fn
ICBC4.65%s$1,608/fn
Bank of China4.68%s$1,614/fn
AIA New Zealand4.99%$1,672/fn
ANZ Bank New Zealand4.99%s$1,672/fn
ASB Bank4.99%$1,672/fn
Bank of Baroda4.99%$1,672/fn
Police Credit Union4.99%$1,672/fn
Unity Credit Union4.99%s$1,672/fn
Kiwibank5.15%s$1,703/fn
Bank of New Zealand5.19%$1,710/fn
SBS Bank5.19%s$1,710/fn
The Co-operative Bank5.19%s$1,710/fn
TSB Bank5.19%s$1,710/fn
Westpac New Zealand5.19%s$1,710/fn
First Credit Union5.29%s$1,730/fn- Kookmin Bank Auckland Branch5.35%$1,741/fn
Brokers can often beat the advertised rate Tell us a few things and mortgage brokers compete to finance 24 Embo Street. 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
24 Embo Street as a rental
Rent estimate$700/wk$610–$800 · Little evidence
Gross yield4.3%$36,400 a year on $845k
Net yield3.5%After $6,440 of costs
Cash flow+$4/wk30% deposit, interest only at 5.03%
| Line | ||
|---|---|---|
| Price Our estimate | ||
| Deposit | ||
| Interest rate 5.03% is today’s 1-year average | ||
| Rent a week our estimate $700 | ||
| Property manager | ||
| Rent, 52 weeks | $36,400 | |
| Empty between tenants 2 weeks | ||
| Property management 9.2% incl. GST | ||
| Maintenance 5% of rent | ||
| Council rates this year | ||
| Landlord insurance the building | ||
| Net income before interest | $29,960 | |
| Interest $591,500 at 5.03%, interest only | −$29,752 | |
| Cash flow before tax | +$208 | |
Type over any figure, add your own lines, or add a scenario to compare.
The rent covers the interest at rates up to 5.07%. That is 0.1% a year on a $254k deposit. A guide before tax and capital growth, from our estimates; not financial advice.
Property data
- Floor area159 m²
- Decade built1920s
- Bedrooms3
- Bathrooms2
- Parking2 car spaces
- Property categoryUse not published
- CouncilDunedin City
- Valuation #27370-74100
- 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 numberOT177/167
- Title typeFreehold
- Estate descriptionFee Simple, 1/1, Allotment 13 Block II Deposited Plan 2088, 1,244 m2
- Legal descriptionAllotment 13 Block II Deposited Plan 2088
- Land area1,245 m²
- Title issued10 Mar 1916
- Land districtOtago
Instruments on this title5 registered instrumentsTransfer and Grant of Easement ×2 · Variation of Mortgage ×2 · 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
Building work the council has consented on this property, newest first. 4 consents on record.
- 1 Apr 2025Adds/Alts$2,000 declared
Install woodsman Tarras mkiii heater in dwg
Consent 370/25 · Dunedin City - 1 Oct 2023Adds/Alts$2,000 declared
Amendment to aba-2022-1957 - add lintel, alt deck stringer detail
Consent 1622/23 · Dunedin City - 1 Dec 2022Adds/Alts$350,000 declared
Extend & alt dwg - construct deck, extend bdrm three & convert storage to create ensuite (wet floor shower) & walk in wardrobe, alt internal layout of basement to create rumpus, bdrm, toilet & laundry, construct retaining wall
Consent 1957/22 · Dunedin City - 1 Feb 2021Adds/Alts$24,000 declared
Erect gge
Consent 45/21 · Dunedin City
Resource consents
What the council has been asked to allow under the Resource Management Act. 1 on this property · 10 land use or subdivision consents within 250 m.
On this property
- 7 Nov 2022Deemed permitted boundary activity
extend dwelling, add habitable spaces to existing subfloor space, add deck to upper level and patio to lower level
BACT-2022-55 · Dunedin CityIssued
Within 250 m
- 7 Oct 2024170 mGranted
- 3 Nov 2021170 mGranted
- 24 Dec 2020Land use
The extension to an existing dwelling that breaches the side boundary set-back and the establishment of a garage that breaches boundary setbacks, height in relation to boundary, and front yard occupation rules.
LUC-2021-1 · Dunedin City191 mGranted - 16 Dec 2020Land use
land use consent to undertake maintenance on significant tree T417
LUC-2020-667 · Dunedin City51 mGranted - 6 Sep 2019Land use
land use consent for the addition of a bedroom and garage breaching bulk and location standards
LUC-2019-459 · Dunedin City236 mGranted - 3 Dec 2018Land use
land use consent for the establishment of a Commercial Residential Activity.
LUC-2018-721 · Dunedin City86 mGranted
Ministry for the Environment, National Monitoring System, July 2014 to June 2025. All resource consents
Unclaimed
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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 Dunedin 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.
Otago Regional Council will say more about a listed site on request; quote its HAIL number.
Ask Otago Regional CouncilWhat 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 Caversham
Dunedin City
1,245
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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Agents active in Caversham
People whose office is within 5 km of Caversham, nearest first. Taken from the REA public register -- not ranked by sales, and nobody pays to appear here.
Tyne AitkenSalesperson
Jane BoothSalesperson
Brittany CassinSalesperson
Fraser DarlingSalesperson
Alan EasonBranch Manager
John FaulksSalesperson
Alison KeanSalesperson
Raymond KeanSalesperson
Russell LundyAgent
William McAuley-MillerSalesperson
William MillerSalesperson
Steven NicholSalesperson
The OwnBetter estimate is our own, from sales and council valuations, and is not a registered valuation.
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