Finding a picture…
Estimate $1.85m – $2.46m
4
33A Cliffs Road, Saint Clair
Title boundary · 1,184 m² · LINZ
Unclaimed
49 Cliffs Road, Saint Clair
Dunedin · Dunedin City
Last sold Mar 2017
What you’ll love about this place
- About 30 m from the coast
From LINZ's topographic maps: how near the land comes to the water's edge.
OwnBetter estimate
$2.25m
Medium confidence
We estimate it would sell for $2,250,000 as at 5 October 2026, in a range of $1,920,000 to $2,560,000.
Typical home in Saint Clair
$813k
The median of our estimates of its 1,238 homes
$1.92mLow
$2.2mCouncil value
$2.25mEstimate
$2.56mHigh
How we worked this out
| Council valuation, Jun 2025 | $2,200,000 |
|---|---|
| Market movement in Dunedin City since the council valuation | +3.3% |
| How Saint Clair sells against council values | −1.0% |
| Homes of this age in Saint Clair | +0.8% |
| Homes in this price range | −0.7% |
| Land as a share of the value | +0.1% |
| Nearby recent sales (15) | −0.4% |
| Our estimate | $2,250,000 |
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 49 Cliffs Road
Estimated repayments
$4,202
$1,800,000 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 $434 less a fortnight — about $11,295 over the 1 year.
All 17 lenders at 1 year fixed
- China Construction Bank4.49%s$4,202/fn
ICBC4.65%s$4,282/fn
Bank of China4.68%s$4,297/fn
AIA New Zealand4.99%$4,453/fn
ANZ Bank New Zealand4.99%s$4,453/fn
ASB Bank4.99%$4,453/fn
Bank of Baroda4.99%$4,453/fn
Police Credit Union4.99%$4,453/fn
Unity Credit Union4.99%s$4,453/fn
Kiwibank5.15%s$4,534/fn
Bank of New Zealand5.19%$4,555/fn
SBS Bank5.19%s$4,555/fn
The Co-operative Bank5.19%s$4,555/fn
TSB Bank5.19%s$4,555/fn
Westpac New Zealand5.19%s$4,555/fn
First Credit Union5.29%s$4,606/fn- Kookmin Bank Auckland Branch5.35%$4,637/fn
Brokers can often beat the advertised rate Tell us a few things and mortgage brokers compete to finance 49 Cliffs 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
49 Cliffs Road as a rental
Rent estimate$1,115/wk$970–$1,280 · Little evidence
Gross yield2.6%$57,980 a year on $2.25m
Net yield2.1%After $10,258 of costs
Cash flow−$606/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 $1,575,000 at 5.03%, interest only | −$79,223 |
| Cash flow before tax | −$31,501 |
The rent covers the interest at rates up to 3.03%. That is -4.7% a year on a $675k deposit. A guide before tax and capital growth, from our estimates; not financial advice.
Property data
- Floor area282 m²
- Decade built2000s
- Bedrooms5
- Bathrooms3
- Parking3 car spaces
- Property categoryUse not published
- CouncilDunedin City
- Valuation #27380-29406
- 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 numberOTA1/678
- Title typeFreehold
- Estate descriptionFee Simple, 1/1, Lot 7 Deposited Plan 9686, 1,184 m2
- Land area1,184 m²
- Title issued1 Oct 1962
- Land districtOtago
Instruments on this title2 registered instrumentsDeed of Easement · 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. 2 consents on record.
- 1 Mar 2022Adds/Alts$50,000 declared
Amendment to aba-2020-2540 - alt laundry, bedrooms 2a & 2b, bathrm, doors, windows, roof pitch, flashings, louvers, stair detail & canopy, relocate hwc & replace gge door
Consent 2697/22 · Dunedin City - 1 Feb 2021Adds/Alts$500,000 declared
Extend & alt internal layout of dwg, install escea ds1400 gas fire
Consent 2540/21 · Dunedin City
Resource consents
What the council has been asked to allow under the Resource Management Act. 1 on this property · 25 land use or subdivision consents within 250 m.
On this property
- 27 Mar 2020Deemed permitted boundary activity
deemed permitted boundary activity for an upper floor dwelling extension
BACT-2020-21 · Dunedin CityIssued
Within 250 m
- 27 Jan 2025213 mGranted
- 11 Nov 2024Land use
To disturb a contaminated site for the purpose of residential development
RM24.652.01 · Otago Regional225 mGranted - 21 Oct 2024Subdivision
S125 extension of time - subdivision consent for a two-lot subdivision
SUB-2019-147/B · Dunedin City221 mGranted - 30 Aug 2024225 mGranted
- 9 Jul 2024Subdivision
a boundary adjustment by way of a two (2) lot subdivision with the smaller of the two resulting allotments being amalgamated with the adjacent property
SUB-2024-102 · Dunedin City173 mGranted - 28 May 2024Land use
S127 to change conditions - the extension of an existing dwelling and creation of a deck and associated earthworks within a side yard, front yard, height plane angle and within the required setback from a scheduled tree and pruning works on a scheduled tree to allow construction
LUC-2023-413/A · Dunedin City231 mGranted
Ministry for the Environment, National Monitoring System, July 2014 to June 2025. All resource consents
Unclaimed
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1One live recordCouncil valuation, title details and registered interests, kept current rather than gathered again every time you need them.
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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 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 Saint Clair
Dunedin City
1,373
Properties on the rating roll
10 Jun 2026
Last council revaluation
Buyer demand
6 people looked at properties in Saint Clair 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.
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Agents active in Saint Clair
People whose office is within 5 km of Saint Clair, 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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