Title boundary · 257 m² · LINZ
Unclaimed

39 Titri Road, Waihola

Milton · Clutha District

Last sold Apr 2004

What you’ll love about this place

  • Waterfront: the land comes within 30 m of Lake Waihola

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

OwnBetter estimate
$267k
Medium confidence

We estimate it would sell for $267,000 as at 5 October 2026, in a range of $228,000 to $303,000.

Typical home in Waihola
$528k
The median of our estimates of its 291 homes
How we worked this out
Council valuation, Sept 2023$250,000
Market movement in Clutha District since the council valuation+10.2%
Apartments and houses in Clutha District−0.2%
How Waihola sells against council values−2.7%
Homes of this age in Waihola−0.4%
Homes in this price range+1.5%
Land as a share of the value−1.1%
Nearby recent sales (15)−0.4%
Our estimate$267,000

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
$1,073a 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 39 Titri Road

Every rate from 36 lenders →
Estimated repayments
$495
$212,000 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 $51 less a fortnight — about $1,330 over the 1 year.

All 17 lenders at 1 year fixed
  • China Construction Bank4.49%s$495/fn
  • ICBC4.65%s$504/fn
  • Bank of China4.68%s$506/fn
  • AIA New Zealand4.99%$524/fn
  • ANZ Bank New Zealand4.99%s$524/fn
  • ASB Bank4.99%$524/fn
  • Bank of Baroda4.99%$524/fn
  • Police Credit Union4.99%$524/fn
  • Unity Credit Union4.99%s$524/fn
  • Kiwibank5.15%s$534/fn
  • Bank of New Zealand5.19%$536/fn
  • SBS Bank5.19%s$536/fn
  • The Co-operative Bank5.19%s$536/fn
  • TSB Bank5.19%s$536/fn
  • Westpac New Zealand5.19%s$536/fn
  • First Credit Union5.29%s$542/fn
  • Kookmin Bank Auckland Branch5.35%$546/fn
Brokers can often beat the advertised rate Tell us a few things and mortgage brokers compete to finance 39 Titri 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

39 Titri Road as a rental

Rent estimate$410/wk$350–$470 · Little evidence
Gross yield8.0%$21,320 a year on $267k
Net yield6.6%After $3,772 of costs
Cash flow+$157/wk30% deposit, interest only at 5.03%
Rent, 52 weeks$21,320
Empty between tenants 2 weeks−$820
Property management 9.2% incl. GST−$1,886
Maintenance 5% of rent−$1,066
Council rates this yearNot known
Landlord insurance the buildingNot known
Net income before interest$17,548
Interest $186,900 at 5.03%, interest only−$9,401
Cash flow before tax+$8,147

The rent covers the interest at rates up to 9.39%. That is 10.2% a year on a $80k deposit. A guide before tax and capital growth, from our estimates; not financial advice.

Property data

  • Floor area49 m²
  • Decade built1900s
  • Bedrooms2
  • Bathrooms1
  • Property categoryUse not published
  • CouncilClutha District
  • Valuation #28044-70400
  • Valuation date1 Sep 2023

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 numberOT18D/709
  • Title typeFreehold
  • Estate descriptionFee Simple, 1/1, Lot 3 Deposited Plan 26850, 257 m2
  • Legal descriptionLot 3 Deposited Plan 26850
  • Land area257 m²
  • Title issued12 Nov 1998
  • Land districtOtago
Instruments on this title1 registered instrumentMortgage 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 · 2 land use or subdivision consents within 250 m.

Within 250 m

  1. 15 Nov 2022
    Land use

    ERECT DWELLING

    2905* · Clutha District
    103 mGranted
  2. 5 Apr 2022
    Land use

    To add another garage to the residential dwelling at Lot 2 DP 306853 that will breach the souther boundary setback and will be taller than 3.5 metres in height and intrudes into the building envelope.

    2831* · Clutha District
    106 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 Clutha District 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 Waihola

Clutha District
418
Properties on the rating roll
1 Sep 2023
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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