Finding a picture…
Not listedEstimate $393k – $522k
3
20 Constable Crescent, Onekawa
Title boundary · 737 m² · LINZ
Unclaimed
38 Cottrell Crescent
Onekawa, Napier · Napier City
Last sold Mar 2020
OwnBetter estimate
$430k
Medium confidence
We estimate it would sell for $430,000 as at 5 October 2026, in a range of $386,000 to $489,000.
Typical home in Onekawa
$612k
The median of our estimates of its 1,856 homes
$386kLow
$420kCouncil value
$430kEstimate
$489kHigh
How we worked this out
| Council valuation, Oct 2023 | $420,000 |
|---|---|
| Market movement in Napier City since the council valuation | −0.1% |
| Apartments and houses in Napier City | +0.1% |
| How Onekawa sells against council values | +1.9% |
| Homes of this age in Onekawa | +0.4% |
| Homes in this price range | +2.0% |
| Land as a share of the value | −0.6% |
| Nearby recent sales (15) | +0.3% |
| Its own sale in 2020 | −1.6% |
| Our estimate | $430,000 |
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 and its own last sale 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
Sign in to keep private notes on this property and record what you think it is worth.
Thinking of buying?Free pre-purchase running cost report Mortgage repayments, this year’s council rates, and estimates for insurance, electricity, gas and internet at this address — saved to your watchlist.
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 38 Cottrell Crescent
Estimated repayments
$803
$344,000 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 $83 less a fortnight — about $2,159 over the 1 year.
All 17 lenders at 1 year fixed
- China Construction Bank4.49%s$803/fn
ICBC4.65%s$818/fn
Bank of China4.68%s$821/fn
AIA New Zealand4.99%$851/fn
ANZ Bank New Zealand4.99%s$851/fn
ASB Bank4.99%$851/fn
Bank of Baroda4.99%$851/fn
Police Credit Union4.99%$851/fn
Unity Credit Union4.99%s$851/fn
Kiwibank5.15%s$867/fn
Bank of New Zealand5.19%$870/fn
SBS Bank5.19%s$870/fn
The Co-operative Bank5.19%s$870/fn
TSB Bank5.19%s$870/fn
Westpac New Zealand5.19%s$870/fn
First Credit Union5.29%s$880/fn- Kookmin Bank Auckland Branch5.35%$886/fn
Brokers can often beat the advertised rate Tell us a few things and mortgage brokers compete to finance 38 Cottrell 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.
Investor insights
38 Cottrell Crescent as a rental
Rent estimate$485/wk$420–$560 · Little evidence
Gross yield5.9%$25,220 a year on $430k
Net yield4.8%After $4,462 of costs
Cash flow+$108/wk30% deposit, interest only at 5.03%
| Rent, 52 weeks | $25,220 |
|---|---|
| Empty between tenants 2 weeks | −$970 |
| Property management 9.2% incl. GST | −$2,231 |
| Maintenance 5% of rent | −$1,261 |
| Council rates this year | Not known |
| Landlord insurance the building | Not known |
| Net income before interest | $20,758 |
| Interest $301,000 at 5.03%, interest only | −$15,140 |
| Cash flow before tax | +$5,618 |
The rent covers the interest at rates up to 6.90%. That is 4.4% a year on a $129k deposit. A guide before tax and capital growth, from our estimates; not financial advice.
Property data
- Floor area90 m²
- Decade built1960s
- Bedrooms3
- Bathrooms1
- Parking5 car spaces
- Property categoryUse not published
- CouncilNapier City
- Valuation #10000-10300
- 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 numberHBJ2/629
- Title typeFreehold
- Estate descriptionFee Simple, 1/1, Lot 72 Deposited Plan 11370, 736 m2
- Land area737 m²
- Title issued3 Apr 1981
- Land districtHawkes Bay
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
Real-estate 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
- 13 Sep 2023Subdivision
To vary conditions 1, 21, 23, 34, 42, and 51 or RMS220059 to allow changes required that were identified during detailed design stage, most notably: higher floor levels, widened vehicle crossings / parking spaces, and changes to the cladding / materials of buildings and change of typologies.
S220059A · Napier City111 mGranted - 14 Oct 2022219 mGranted
- 11 Oct 2022Land use
Two Lot into Eight Lot Subdivision - Yards, HIRB, Earthworks, Transport, NES
S220100.2 · Napier City100 mGranted - 11 Oct 2022Subdivision
Two Lot into Eight Lot Subdivision - Yards, HIRB, Earthworks, Transport, NES
S220100.1 · Napier City100 mGranted - 11 Oct 2022Land use
Three Lot into Thirteen Lot Subdivision & Multi-Unit Development - Yards, HIRB, Open Space, Earthworks, Transport, NES
S220101 · Napier City217 mGranted - 1 Jul 2022111 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.
Free. Takes about a minute.
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 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 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 Onekawa
Napier City
2,499
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. 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 Onekawa?
Find your perfect home
Finding a picture…
Not listedEstimate $390k – $519k
3
22B Alexander Avenue, Onekawa
Finding a picture…
Not listedEstimate $372k – $471k
3
6 Venables Avenue, Onekawa
Finding a picture…
Not listedEstimate $392k – $522k
3
32 Cottrell Crescent, Onekawa
Finding a picture…
Not listedEstimate $401k – $534k
3
40 Hitchings Avenue, Onekawa
Finding a picture…
Not listedEstimate $400k – $531k
3
30 Alexander Avenue, Onekawa
Finding a picture…
Not listedEstimate $387k – $491k
46 Harold Holt Avenue, Onekawa
Finding a picture…
Not listedEstimate $369k – $491k
2
1/1 Arnold Street, Onekawa
Finding a picture…
Not listedEstimate $343k – $457k
3
16 Cottrell Crescent, Onekawa
Finding a picture…
Not listedEstimate $385k – $512k
3
21 Hitchings Avenue, Onekawa
Agents active in Onekawa
People whose office is within 5 km of Onekawa, nearest first. Taken from the REA public register -- not ranked by sales, and nobody pays to appear here.
Ray White
Tracey CampbellSalesperson
Ray White
Tina ChamberlainAgent
Ray White
Chanel De VrijeSalesperson
Ray White
Kerry FormanSalesperson
Ray White
Georgina GauntSalesperson
Ray White
Jesse HarrisonSalesperson
Ray White
Jodi HusseySalesperson
Ray White
John KnightSalesperson
Ray White
Samuel MacDonaldAgent
Ray White
Diane MartinSalesperson
Ray White
Lawrence MartisAgent
Ray White
Sandra MartisSalesperson
The OwnBetter estimate is our own, from sales and council valuations, and is not a registered valuation.
Free for property owners
Claim it, then find everything else you own.
A single search across NZ property records finds other titles in your name and in companies you are a director of. Most owners find at least one they had forgotten was held somewhere else.