Shared parcel · 615 m² · LINZ
Unclaimed

2/81 Moray Place, Dunedin Central

Dunedin · Dunedin City

Last sold May 2025

Moray Place Congregational Church (Former)
Heritage listCategory 2 historic place

Moray Place Congregational Church (Former)

List No. 2218Built 1864–1876Listed 2005

The former Moray Place Congregational Church is one of the oldest churches still standing in Dunedin. The Church occupies a prominent corner site in the centre of Dunedin. It was designed by prominent Dunedin architect David Ross and was opened for worship in July 1864. In 1876 the entrance was shifted from View Street to Moray Place, and a stone steps, balustrading and handrails, designed by Robert Arthur Lawson was constructed.

Read the entry on the Heritage List →

Photo: Chris Horwell, 2014, © Heritage New Zealand Pouhere Taonga

OwnBetter estimate
$836k
Medium confidence

We estimate it would sell for $836,000 as at 5 October 2026, in a range of $751,000 to $951,000.

Typical home in Dunedin Central
$653k
The median of our estimates of its 1,392 homes
How we worked this out
Council valuation, Jun 2025$810,000
Market movement in Dunedin City since the council valuation+3.3%
How Dunedin Central sells against council values−1.8%
Homes of this age in Dunedin Central+0.8%
Homes in this price range−0.8%
Land as a share of the value+0.5%
Nearby recent sales (15)−0.6%
Its own sale in 2025+1.9%
Our estimate$836,000

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.

Part of 81 Moray Place · Unit Title One of 7 units on Deposited Plan 550500. The boundary on the map is the whole building's — a unit title sits over the parcel the development shares. See the whole building →
My notes
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.
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What it costs to live here

Home expense estimates

Mortgage: open the section
$3,381a 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 2/81 Moray Place

Every rate from 36 lenders →
Estimated repayments
$1,560
$668,000 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 $161 less a fortnight — about $4,192 over the 1 year.

All 17 lenders at 1 year fixed
  • China Construction Bank4.49%s$1,560/fn
  • ICBC4.65%s$1,589/fn
  • Bank of China4.68%s$1,595/fn
  • AIA New Zealand4.99%$1,652/fn
  • ANZ Bank New Zealand4.99%s$1,652/fn
  • ASB Bank4.99%$1,652/fn
  • Bank of Baroda4.99%$1,652/fn
  • Police Credit Union4.99%$1,652/fn
  • Unity Credit Union4.99%s$1,652/fn
  • Kiwibank5.15%s$1,683/fn
  • Bank of New Zealand5.19%$1,690/fn
  • SBS Bank5.19%s$1,690/fn
  • The Co-operative Bank5.19%s$1,690/fn
  • TSB Bank5.19%s$1,690/fn
  • Westpac New Zealand5.19%s$1,690/fn
  • First Credit Union5.29%s$1,709/fn
  • Kookmin Bank Auckland Branch5.35%$1,721/fn
Brokers can often beat the advertised rate Tell us a few things and mortgage brokers compete to finance 2/81 Moray Place. 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

2/81 Moray Place as a rental

Rent estimate$695/wk$600–$800 · Little evidence
Gross yield4.3%$36,140 a year on $836k
Net yield3.6%After $6,394 of costs
Cash flow+$6/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 $695
Property manager
Rent, 52 weeks$36,140
Empty between tenants 2 weeks
Property management 9.2% incl. GST
Maintenance 5% of rent
Council rates this year
Landlord insurance the building
Body corporate levy operating levy
Net income before interest$29,746
Interest $585,200 at 5.03%, interest only−$29,436
Cash flow before tax+$310
Cash flow a week+$6
Gross / net yield on the price4.3% / 3.6%
Return on equity cash flow on the deposit, before tax0.1%
Loses money above this interest rate, before tax5.08%
Type over any figure, add your own lines, or add a scenario to compare.

The rent covers the interest at rates up to 5.08%. That is 0.1% a year on a $251k deposit. We don’t know this unit’s body corporate levy yet: type it in, or ask the agent for the disclosure statement. A guide before tax and capital growth, from our estimates; not financial advice.

Property data

  • Floor area100 m²
  • Decade built1910s
  • Bedrooms3
  • Bathrooms3
  • Property categoryUse not published
  • CouncilDunedin City
  • Valuation #27160-19000-B
  • 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 number948928
  • Title typeUnit Title
  • Estate descriptionStratum in Freehold, 1/1, Principal Unit 2 and Accessory Unit 2A, 2B Deposited Plan 550500
  • Title issued19 Nov 2020
  • Land districtOtago
Registered instruments0 registered instruments on this title, 1 on the buildingUnit Titles Act 2010 - Assessment of ownership interests - s32(2)(b) & (3)(b) Only routine instruments registered 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. 2 on this property · 25 land use or subdivision consents within 250 m.

On this property

  1. 25 Feb 2020
    Subdivision

    subdivision consent for Unit Title Subdivision of seven units

    SUB-2020-24 · Dunedin City
    Granted
  2. 25 Feb 2020
    Land use

    land use consent for retrospective consent for alterations to the scheduled building B405 in a heritage precinct

    LUC-2020-99 · Dunedin City
    Granted

Within 250 m

  1. 20 Nov 2024
    Land use

    To extend an existing dwelling contravening the height standards

    LUC-2024-461 · Dunedin City
    101 mGranted
  2. 10 Jul 2024
    Land use

    change of land use and soil disturbance of a HAIL site; Large scale earthworks; Earthworks contravening boundary setback; Multi-unit development; Building larger than 300m2; Non-compliant outdoor living space (Units 4, 9 to 12); Building contravening maximum height and height in relation to boundary; Alterations to a scheduled building; and Non-compliant parking layout

    LUC-2024-262 · Dunedin City
    180 mGranted
  3. 10 Jul 2024
    Subdivision

    unit title subdivision creating 12 Principal Units, Ancillary Units and Common Property

    SUB-2024-104 · Dunedin City
    180 mGranted
  4. 19 Jun 2024
    Land use

    the disturbance and removal of potentially contaminated soil on a HAIL site under the Resource Management (National Environmental Standard for Assessing and Managing Contaminants in Soil to Protect Human Health) Regulations 2011

    LUC-2024-233 · Dunedin City
    238 mGranted
  5. 31 Oct 2023
    Land use

    the alteration of a character contributing building

    LUC-2023-412 · Dunedin City
    48 mGranted
  6. 7 Jul 2023
    Land use

    the establishment of a construction barrier in front of the southern elevation of the Municipal Chambers Building

    LUC-2023-271 · Dunedin City
    209 mGranted

Ministry for the Environment, National Monitoring System, July 2014 to June 2025. All resource consents

Unclaimed
Nobody is tracking this property yet

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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 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 Council

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 Dunedin Central

Dunedin City
2,757
Properties on the rating roll
1 Jun 2025
Last council revaluation
Buyer demand

6 people looked at properties in Dunedin Central this week.

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.

Agents active in Dunedin Central

People whose office is within 5 km of Dunedin Central, nearest first. Taken from the REA public register -- not ranked by sales, and nobody pays to appear here.

Ray White
Jordan ArnoldSalesperson
Ray White DunedinOffice in this suburbView profile →
Ray White
Julie AshtonAgent
Ray White DunedinOffice in this suburbView profile →
Independent
Nicholas BeardSalesperson
WHITEFOX DunedinOffice in this suburbView profile →
Independent
Mikayla BennettsSalesperson
NZ Property SolutionsOffice in this suburbView profile →
Independent
Cornelia BlairSalesperson
Nidd RealtyOffice in this suburbView profile →
Independent
Jane BradshawAgent
NZ Property SolutionsOffice in this suburbView profile →
Ray White
Bethany BransgroveSalesperson
Ray White DunedinOffice in this suburbView profile →
Ray White
Gary BridgmanSalesperson
Ray White DunedinOffice in this suburbView profile →
Ray White
Alana CarrollSalesperson
Ray White DunedinOffice in this suburbView profile →
Independent
Denise CaseySalesperson
NZ Property SolutionsOffice in this suburbView profile →
Independent
Richard CockerillSalesperson
ABC Business Sales DunedinOffice in this suburbView profile →
Independent
Angela CopsonBranch Manager
Harcourts DunedinOffice in this suburbView profile →
Who sold the most in Dunedin Central →

The OwnBetter estimate is our own, from sales and council valuations, and is not a registered valuation.

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