Title boundary · 639 m² · LINZ
Unclaimed

432 High Street, Dunedin Central

Dunedin · Dunedin City

Moata, Dunedin
Heritage listCategory 2 historic place

Moata

List No. 2195Built 1900–1962Listed 1982

Moata, an ornamental red brick two–storied house at 434 High Street in Dunedin, was built in 1900 for local businessman Leslie Wolford Harris (1873-1950). It is historically significant as the home of Harris, part of the Bing Harris business empire, and because of its unusual Flemish facades which are prominent in the streetscape of High Street, a thoroughfare that is a continual reminder of the most fashionable place to reside in 19th century Dunedin.

Read the entry on the Heritage List →

Photo: Sarah Gallagher, 2019, © Heritage New Zealand Pouhere Taonga

OwnBetter estimate
$550k
Medium confidence

We estimate it would sell for $550,000 as at 5 October 2026, in a range of $471,000 to $626,000.

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$560,000
Market movement in Dunedin City since the council valuation+3.3%
How Dunedin Central sells against council values−1.8%
Homes in this price range+0.3%
Land as a share of the value−2.8%
Nearby recent sales (15)−0.7%
Our estimate$550,000

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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What it costs to live here

Home expense estimates

Mortgage: open the section
$2,227a 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 432 High Street

Every rate from 36 lenders →
Estimated repayments
$1,027
$440,000 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
Average5.02%
Highest5.35%Kookmin

The lowest rather than the highest is $106 less a fortnight — about $2,761 over the 1 year.

All 17 lenders at 1 year fixed
  • China Construction Bank4.49%s$1,027/fn
  • ICBC4.65%s$1,047/fn
  • Bank of China4.68%s$1,050/fn
  • AIA New Zealand4.99%$1,088/fn
  • ANZ Bank New Zealand4.99%s$1,088/fn
  • ASB Bank4.99%$1,088/fn
  • Bank of Baroda4.99%$1,088/fn
  • Police Credit Union4.99%$1,088/fn
  • TSB Bank4.99%s$1,088/fn
  • Unity Credit Union4.99%s$1,088/fn
  • Kiwibank5.15%s$1,108/fn
  • Bank of New Zealand5.19%$1,113/fn
  • SBS Bank5.19%s$1,113/fn
  • The Co-operative Bank5.19%s$1,113/fn
  • Westpac New Zealand5.19%s$1,113/fn
  • First Credit Union5.29%s$1,126/fn
  • Kookmin Bank Auckland Branch5.35%$1,133/fn
Brokers can often beat the advertised rate Tell us a few things and mortgage brokers compete to finance 432 High 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

Property data

  • Property categoryUse not published
  • CouncilDunedin City
  • Valuation #27150-66101
  • 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 numberOT122/115
  • Title typeFreeholdGuaranteedStandard registered title
  • Estate descriptionFee Simple, 1/1, Part Section 26, 36 Block II City of Dunedin, 653 m2
  • Legal descriptionPart Section 26, 36 Block II City of Dunedin
  • Land area639 m²
  • Title issued2 May 1900
  • Land districtOtago
Registered instruments0 registered instruments on this title 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 · 15 land use or subdivision consents within 250 m.

Within 250 m

  1. 11 Nov 2024
    Land use

    maintenance on significant tree T581

    LUC-2024-444 · Dunedin City
    104 mGranted
  2. 18 Jan 2023
    Subdivision

    update the existing unit title subdivision plan to reflect the exclusive use of outdoor living spaces for the ground floor units and allocated car parking for the 4 units

    SUB-2023-8 · Dunedin City
    97 mGranted
  3. 18 Jan 2023
    Land use

    The addition of habitable rooms on site and non-compliance of outdoor living space for Units A and B and carparking space contravention of A2.

    LUC-2023-11 · Dunedin City
    97 mGranted
  4. 14 Oct 2022
    Land use

    To undertake additions and alterations to a character contributing building - replace slate roof with coloursteel

    LUC-2022-449 · Dunedin City
    68 mGranted
  5. 20 Sep 2022
    Land use

    The replacement of a retaining wall and fence above.

    LUC-2022-404 · Dunedin City
    69 mGranted
  6. 2 Jun 2022
    Land use

    Maintenance on a Significant Tree T798

    LUC-2022-222 · Dunedin City
    211 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 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 how big a house this section takes at one, two and three storeys, inside the zone’s yards and height rules. Then ask builders to price the shape you pick.

About Dunedin Central

Dunedin City
3,132
Properties on the rating roll
1 Jun 2025
Last council revaluation
Buyer demand

11 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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