Title boundary · 2,219 m² · LINZ
Unclaimed

24 Clyde Road, Bluff Hill

Also 1/24 Clyde Road

Napier · Napier City

Last sold Nov 2020

Cluden Bank (Dwelling, Formerly Bishopcourt), Napier
Heritage listCategory 2 historic place

Cluden Bank (Formerly Bishopscourt)

List No. 2793Built 1878–1948Listed 1983

Cluden Bank is an imposing, two-storey, timber villa built for prominent Napier merchant John Close, of the firm Neal and Close, and it reflects the prosperity and confidence of the Hawke’s Bay economy during the 1880s. Constructed in the high Victorian period, probably between 1878 and 1884, the house exemplifies the Queen Anne style adapted to New Zealand conditions.

Read the entry on the Heritage List →

Photo: A Renton-Green, 2024, © Heritage New Zealand Pouhere Taonga

Rent estimate · 19 Oct 2026
$720 – $950/week
Most likely about $825 a week · Little evidence: a rough guide
Estimated rental yield
3.6%
What is rental yield?

Gross rental yield is a year’s rent as a share of what the property is worth: $825 × 52 weeks = $42,900, against the council valuation of $1,190,000. It is before rates, insurance, maintenance, management and vacancies, so what an owner keeps (the net yield) is lower.

How we worked this out
EvidencePoints toCounted
2 rentals advertised nearby each adjusted to this property’s bedrooms and value$7835%
From its value what rentals in the area typically yield$83095%

We read this property as a house with 2 bedrooms. Rentals advertised nearby count most when they are close, recent and alike; the more of them there are, the less the area’s bond figures count. Bond figures are rents agreed in new tenancies, from Tenancy Services, placed within the area by how this property’s council valuation compares with similar homes there.

Rentals it leaned on
AddressBedsAskedAs this oneWhenAway
20 Faraday Streetrealestate.co.nz ↗4$720$783Oct 20261.3 km
28-34 Longfellow Avenuerealestate.co.nz ↗3$520$608Oct 20263.6 km

These are computer-generated guides only, not a rental appraisal.

My notes
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What it costs to live here

Home expense estimates

Mortgage: open the section
$4,818a 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 24 Clyde Road

Every rate from 36 lenders →
Estimated repayments
$2,223
$952,000 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 $230 less a fortnight — about $5,974 over the 1 year.

All 17 lenders at 1 year fixed
  • China Construction Bank4.49%s$2,223/fn
  • ICBC4.65%s$2,265/fn
  • Bank of China4.68%s$2,272/fn
  • AIA New Zealand4.99%$2,355/fn
  • ANZ Bank New Zealand4.99%s$2,355/fn
  • ASB Bank4.99%$2,355/fn
  • Bank of Baroda4.99%$2,355/fn
  • Police Credit Union4.99%$2,355/fn
  • Unity Credit Union4.99%s$2,355/fn
  • Kiwibank5.15%s$2,398/fn
  • Bank of New Zealand5.19%$2,409/fn
  • SBS Bank5.19%s$2,409/fn
  • The Co-operative Bank5.19%s$2,409/fn
  • TSB Bank5.19%s$2,409/fn
  • Westpac New Zealand5.19%s$2,409/fn
  • First Credit Union5.29%s$2,436/fn
  • Kookmin Bank Auckland Branch5.35%$2,452/fn
Brokers can often beat the advertised rate Tell us a few things and mortgage brokers compete to finance 24 Clyde 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

24 Clyde Road as a rental

Rent estimate$825/wk$720–$950 · Little evidence
Gross yield3.6%$42,900 a year on $1.19m
Net yield3.0%After $7,590 of costs
Cash flow−$127/wk30% deposit, interest only at 5.03%
Line
Price Council valuation
Deposit
Interest rate 5.03% is today’s 1-year average
Rent a week our estimate $825
Property manager
Rent, 52 weeks$42,900
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$35,310
Interest $833,000 at 5.03%, interest only−$41,900
Cash flow before tax−$6,590
Cash flow a week−$127
Gross / net yield on the price3.6% / 3.0%
Return on equity cash flow on the deposit, before tax−1.8%
Loses money above this interest rate, before tax4.24%
Type over any figure, add your own lines, or add a scenario to compare.

The rent covers the interest at rates up to 4.24%. That is -1.8% a year on a $357k deposit. A guide before tax and capital growth, from our estimates; not financial advice.

Property data

  • Floor area480 m²
  • Decade built1910s
  • Bedrooms2
  • Bathrooms1
  • Property categoryUse not published
  • CouncilNapier City
  • Valuation #9880-82300
  • Valuation date1 Oct 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 number69761
  • Title typeFreehold
  • Estate descriptionFee Simple, 1/1, Lot 2 Deposited Plan 317783, 2,215 m2
  • Legal descriptionLot 2 Deposited Plan 317783
  • Land area2,219 m²
  • Title issued2 Apr 2003
  • Land districtHawkes Bay
  • Addresses on this property6
Registered instruments4 registered instruments on this titleEasement Certificate · Easement Instrument · Mortgage · Transfer and Grant of Easement 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 · 10 land use or subdivision consents within 250 m.

Within 250 m

  1. 8 Apr 2024
    Land use

    Retaining wall and courtyard area - Extent of Earthworks, Excavation, Yards, Landscaped Area

    240035 · Napier City
    171 mGranted
  2. 11 Mar 2024
    Land use

    Additions and alterations to an existing heritage dwelling. Construction of a new garage and access.

    240028 · Napier City
    114 mGranted
  3. 7 Feb 2024
    Land use

    Retaining Wall

    240019 · Napier City
    160 mGranted
  4. 19 Sep 2023
    Subdivision

    Right of Way Approval (348)

    S230069 · Napier City
    176 mGranted
  5. 20 Dec 2022
    Subdivision

    Amendment to Cross Lease - Update existing flat plans

    S220124 · Napier City
    62 mGranted
  6. 13 Jun 2022
    Land use

    External alteration to Group 2 Heritage item

    220064 · Napier City
    141 mGranted

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

Unclaimed
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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 Napier 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.

Hawke's Bay publishes verified sites only; unverified ones are on its register but not mapped. Its hazard portal gives a free property report.

Ask Hawke's Bay 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 Bluff Hill

Napier City
1,168
Properties on the rating roll
1 Oct 2023
Last council revaluation

Counts describe the records we hold for this territorial authority, not a market forecast. OwnBetter has no estimate for this property. Every council figure on this page can be checked against the council's own record.

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Agents active in Bluff Hill

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

Independent
Aaron TunstallAgent
Real Spaces LtdOffice 80 m awayView profile →
Independent
Keighly AbelBranch Manager
Tremain Real EstateOffice 140 m awayView profile →
Independent
Nathan AbelSalesperson
Tremain Real EstateOffice 140 m awayView profile →
Independent
Deborah BrettAgent
Tremain Real EstateOffice 140 m awayView profile →
Independent
Nicola ClarkSalesperson
Tremain Real EstateOffice 140 m awayView profile →
Independent
Edward CoxSalesperson
Tremain Real EstateOffice 140 m awayView profile →
Independent
Gregory CurrieAgent
Tremain Real EstateOffice 140 m awayView profile →
Independent
Kirstin Daly TaylorSalesperson
Tremain Real EstateOffice 140 m awayView profile →
Independent
Sarah DavidsonBranch Manager
Tremain Real EstateOffice 140 m awayView profile →
Independent
Kathleen DaviesAgent
Tremain Real EstateOffice 140 m awayView profile →
Independent
Leon DearSalesperson
Tremain Real EstateOffice 140 m awayView profile →
Independent
Gabrielle EllettAgent
Tremain Real EstateOffice 140 m awayView profile →
Who sold the most in Bluff Hill →
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