Title boundary · 1,373 m² · LINZ
Unclaimed

102 Lake Crescent, Hamilton Lake

Hamilton · Hamilton City

Last sold Jun 1997

Lake House. Front elevation,
Heritage listCategory 2 historic place

Lake House

List No. 2701Built 1873–1959Listed 2010

Constructed in 1873, Lake House, Hamilton, is the oldest surviving house related to the great Waikato estates established in the late 1860s-1870s. Two of its earliest owners were prominent businessmen, property speculators and Members of Parliament in the House of Representatives. The house was constructed on the shore of Lake Rotoroa as the residence for Alfred Cox, who lived in Lake House with his family from 1873 to 1879.

Read the entry on the Heritage List →

Photo: Gail Henry, 2009, © Heritage New Zealand Pouhere Taonga

What you’ll love about this place

  • About 80 m from Lake Rotoroa / Hamilton Lake

From LINZ's topographic maps: how near the land comes to the water's edge.

OwnBetter estimate
$2.22m
Medium confidence

We estimate it would sell for $2,220,000 as at 5 October 2026, in a range of $1,890,000 to $2,520,000.

Typical home in Hamilton Lake
$781k
The median of our estimates of its 842 homes
How we worked this out
Council valuation, Sept 2024$2,200,000
Market movement in Hamilton City since the council valuation+1.4%
How Hamilton Lake sells against council values−0.2%
Homes of this age in Hamilton Lake−0.2%
Homes in this price range−0.1%
Land as a share of the value+0.5%
Nearby recent sales (15)−0.7%
Our estimate$2,220,000

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
$8,988a 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 102 Lake Crescent

Every rate from 36 lenders →
Estimated repayments
$4,146
$1,776,000 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 $429 less a fortnight — about $11,145 over the 1 year.

All 17 lenders at 1 year fixed
  • China Construction Bank4.49%s$4,146/fn
  • ICBC4.65%s$4,225/fn
  • Bank of China4.68%s$4,239/fn
  • AIA New Zealand4.99%$4,393/fn
  • ANZ Bank New Zealand4.99%s$4,393/fn
  • ASB Bank4.99%$4,393/fn
  • Bank of Baroda4.99%$4,393/fn
  • Police Credit Union4.99%$4,393/fn
  • TSB Bank4.99%s$4,393/fn
  • Unity Credit Union4.99%s$4,393/fn
  • Kiwibank5.15%s$4,474/fn
  • Bank of New Zealand5.19%$4,494/fn
  • SBS Bank5.19%s$4,494/fn
  • The Co-operative Bank5.19%s$4,494/fn
  • Westpac New Zealand5.19%s$4,494/fn
  • First Credit Union5.29%s$4,545/fn
  • Kookmin Bank Auckland Branch5.35%$4,575/fn
Brokers can often beat the advertised rate Tell us a few things and mortgage brokers compete to finance 102 Lake Crescent. 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

102 Lake Crescent as a rental

Rent estimate$1,115/wk$970–$1,280 · Little evidence
Gross yield2.6%$57,980 a year on $2.22m
Net yield2.1%After $10,258 of costs
Cash flow−$582/wk30% deposit, interest only at 5.02%
Line
Price Our estimate
Deposit
Interest rate 5.02% is today’s 1-year average
Rent a week our estimate $1,115
Property manager
Rent, 52 weeks$57,980
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$47,722
Interest $1,554,000 at 5.02%, interest only−$78,011
Cash flow before tax−$30,289
Cash flow a week−$582
Gross / net yield on the price2.6% / 2.1%
Return on equity cash flow on the deposit, before tax−4.5%
Loses money above this interest rate, before tax3.07%
Type over any figure, add your own lines, or add a scenario to compare.

The rent covers the interest at rates up to 3.07%. That is -4.5% a year on a $666k deposit. A guide before tax and capital growth, from our estimates; not financial advice.

Property data

  • Floor area363 m²
  • Decade built1910s
  • Bedrooms5
  • Bathrooms3
  • Parking3 car spaces
  • Property categoryUse not published
  • CouncilHamilton City
  • Valuation #4165-45900
  • Valuation date1 Sep 2024

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 numberSA1741/94
  • Title typeFreeholdGuaranteedStandard registered title
  • Estate descriptionFee Simple, 1/1, Lot 3 Deposited Plan South Auckland 6302, 1,371 m2
  • Legal descriptionLot 3 Deposited Plan South Auckland 6302
  • Land area1,373 m²
  • Title issued23 Aug 1960
  • Land districtSouth Auckland
Registered instruments2 registered instruments on this titleMortgage · Transfer 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. None on this property · 13 land use or subdivision consents within 250 m.

Within 250 m

  1. 29 Sep 2023
    Land use

    Ancillary Flat

    010.2023.00012842.001 · Hamilton City
    160 mGranted
  2. 31 Aug 2022
    Land use

    Residential Activities

    010.2022.00012404.001 · Hamilton City
    131 mGranted
  3. 11 May 2022
    Land use

    Detached dwelling construct a detached dwelling failing standards - see AEE

    010.2022.00012222.001 · Hamilton City
    132 mGranted
  4. 21 Mar 2022
    Land use

    Deck extension infringing Building Setback from the peat lake catchment

    010.2022.00012151.001 · Hamilton City
    74 mGranted
  5. 27 Oct 2021
    Subdivision

    Fee simple subdivision

    011.2021.00007753.001 · Hamilton City
    157 mGranted
  6. 8 Sep 2021
    Land use

    Landuse Duplex Units 1 duplex building as per the ApplicaGon AEE Report

    010.2021.00011819.001 · Hamilton City
    157 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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We check your name against the registered owner on the title before a claim is accepted. Nothing on this page changes for anyone else, and no provider is contacted until you ask.

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 Hamilton 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.

Waikato Regional Council does not publish its register. Ask it for a HAIL search on the property; some district councils sell their own report.

Ask Waikato 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 Hamilton Lake

Hamilton City
1,109
Properties on the rating roll
1 Aug 2025
Last council revaluation
Buyer demand

6 people looked at properties in Hamilton Lake 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.

Like Hamilton Lake?

Find your perfect home

Agents active in Hamilton Lake

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

Independent
Tony JemmettBranch Manager
WSPOffice 40 m awayView profile →
Independent
John ParkerSalesperson
Tabak Business Sales HamiltonOffice 190 m awayView profile →
Independent
Murray YeatesAgent
Tabak Business Sales (Tabak Business Sales)Office 190 m awayView profile →
Independent
Donald MatsonAgent
Ultimate Global PropertiesOffice 250 m awayView profile →
Independent
Gregory PetrinAgent
Ultimate Properties Waikato LimitedOffice 250 m awayView profile →
Independent
Fiona WilliamsSalesperson
Ultimate Properties Waikato LimitedOffice 250 m awayView profile →
Independent
Angela ThomasAgent
Christies International Real EsatateOffice 360 m awayView profile →
Independent
James ThomasSalesperson
Christies International Real EsatateOffice 360 m awayView profile →
Independent
Russell ThomasSalesperson
Christies International Real EsatateOffice 360 m awayView profile →
Independent
Allan MarkSalesperson
NZ Commercial Property Brokers LimitedOffice 380 m awayView profile →
Independent
Kevin MarkSalesperson
NZ Commercial Property Brokers LimitedOffice 380 m awayView profile →
Independent
Ian McHargSalesperson
NZ Commercial Property Brokers LimitedOffice 380 m awayView profile →
Who sold the most in Hamilton Lake →

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

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