Estimate $1.04m – $1.32m
4
49 Kent Terrace, Taradale
1 / 21
Unclaimed
55 Kent Terrace, Taradale
Napier · Napier City
Deadline Sale (Unless Sold Prior)
- 4
- 2
- 2
- 1,028 m²
Unmatched Luxury, Views, and Outdoor Living
Your ultimate executive lifestyle awaits at 55 Kent Terrace, Taradale, where sweeping reserve views meet masterfully crafted luxury.
Designed with high-spec finishes, a cutting-edge solar panel and battery system for smart energy efficiency, and ducted air conditioning throughout for effortless year-round comfort. This exceptional home features a dramatic gable-ceiling formal lounge with a gas fire and sliding barn door, and a high-end granite kitchen with underfloor heating and a walk-in pantry.
Four peaceful and beautifully proportioned bedrooms offer quiet sanctuary for family and guests alike. The lavish master suite serves as a private retreat, complete with an elegant ensuite and a spacious walk-in robe designed to accommodate an extensive wardrobe with ease.
Sensational indoor-outdoor flow connects every core living space to brilliant front and back entertaining areas - complete with a stylish outdoor louvre roof - allowing you to host, relax, and soak in the scenery in absolute luxury.
Don't miss this incredible opportunity in a prime location - Talk to Tracey today.
Deadline Sale closes at Ray White office, 60 Prebensen Drive, Napier at 4:00pm on Wednesday 11th November 2026 (Unless Sold Prior).
OwnBetter estimate
$1.24m
Medium confidence
We estimate it would sell for $1,240,000 as at 5 October 2026, in a range of $1,110,000 to $1,410,000.
Typical home in Taradale
$762k
The median of our estimates of its 4,530 homes
$1.11mLow
$1.24mEstimate
$1.29mCouncil value
$1.41mHigh
How we worked this out
| Council valuation, Oct 2023 | $1,290,000 |
|---|---|
| Market movement in Napier City since the council valuation | −0.1% |
| Apartments and houses in Napier City | +0.1% |
| How Taradale sells against council values | −0.3% |
| Homes of this age in Taradale | −1.8% |
| Homes in this price range | −0.5% |
| Land as a share of the value | +0.1% |
| Nearby recent sales (15) | −0.7% |
| Its own sale in 2020 | −0.6% |
| Our estimate | $1,240,000 |
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
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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 55 Kent Terrace
Estimated repayments
$2,316
$992,000 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 · specialAverage5.02%
Highest5.35%
Kookmin
KookminThe lowest rather than the highest is $239 less a fortnight — about $6,225 over the 1 year.
All 17 lenders at 1 year fixed
- China Construction Bank4.49%s$2,316/fn
ICBC4.65%s$2,360/fn
Bank of China4.68%s$2,368/fn
AIA New Zealand4.99%$2,454/fn
ANZ Bank New Zealand4.99%s$2,454/fn
ASB Bank4.99%$2,454/fn
Bank of Baroda4.99%$2,454/fn
Police Credit Union4.99%$2,454/fn
TSB Bank4.99%s$2,454/fn
Unity Credit Union4.99%s$2,454/fn
Kiwibank5.15%s$2,499/fn
Bank of New Zealand5.19%$2,510/fn
SBS Bank5.19%s$2,510/fn
The Co-operative Bank5.19%s$2,510/fn
Westpac New Zealand5.19%s$2,510/fn
First Credit Union5.29%s$2,538/fn- Kookmin Bank Auckland Branch5.35%$2,555/fn
Brokers can often beat the advertised rate Tell us a few things and mortgage brokers compete to finance 55 Kent Terrace. 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
55 Kent Terrace as a rental
Rent estimate$850/wk$740–$980 · Little evidence
Gross yield3.6%$44,200 a year on $1.24m
Net yield2.9%After $7,820 of costs
Cash flow−$138/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 $850 | ||
| Property manager | ||
| Rent, 52 weeks | $44,200 | |
| 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 | $36,380 | |
| Interest $868,000 at 5.02%, interest only | −$43,574 | |
| Cash flow before tax | −$7,194 | |
| Cash flow a week | −$138 | |
| Gross / net yield on the price | 3.6% / 2.9% | |
| Return on equity cash flow on the deposit, before tax | −1.9% | |
| Loses money above this interest rate, before tax | 4.19% | |
Type over any figure, add your own lines, or add a scenario to compare.
The rent covers the interest at rates up to 4.19%. That is -1.9% a year on a $372k deposit. A guide before tax and capital growth, from our estimates; not financial advice.
Property data
- Floor area219 m²
- Decade built2020s
- Bedrooms4
- Bathrooms2
- Parking2 car spaces
- Property categoryUse not published
- CouncilNapier City
- Valuation #10090-31602
- 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 number763443
- Title typeFreeholdGuaranteedStandard registered title
- Estate descriptionFee Simple, 1/1, Lot 3 Deposited Plan 505553, 1,028 m2
- Legal descriptionLot 3 Deposited Plan 505553
- Land area1,030 m²
- Title issued14 Jul 2017
- Land districtHawkes Bay
Registered instruments5 registered instruments on this titleEasement Instrument ×4 · Consent Notice under s221(4)(a) Resource Management Act 1991 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
Another agency selling this property too, or is it for rent? Import that listing and it shows beside this one.
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. 1 on this property · 6 land use or subdivision consents within 250 m.
On this property
- 17 Jul 2018Granted
Within 250 m
- 29 Jul 2024Land use
New Residential Dwelling Infringing on Yards, Site Coverage and Earthworks
240081 · Napier City135 mGranted - 19 Oct 2023172 mGranted
- 30 Nov 2021210 mGranted
- 22 Sep 2021192 mGranted
- 28 May 2021Land use
Proposed earthworks to construct a retaining wall in the Lifestyle Character zone
210075 · Napier City182 mGranted - 11 Oct 2017Land use
Construct a dwelling within the 7.5m front yard within the Lifestyle Character zone
170146 · Napier City192 mGranted
Ministry for the Environment, National Monitoring System, July 2014 to June 2025. All resource consents
Unclaimed
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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.
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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 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 Taradale
Napier City
5,009
Properties on the rating roll
1 Aug 2025
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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Agents active in Taradale
People whose office is within 5 km of Taradale, nearest first. Taken from the REA public register -- not ranked by sales, and nobody pays to appear here.
Independent
Lisa BurnBranch Manager
Independent
Philip CarmineSalesperson
Independent
Toni CunninghamSalesperson
Independent
Jing DengSalesperson
Independent
Sarah EricksenSalesperson
Independent
Janine EvansSalesperson
Independent
Brenda FultonSalesperson
Independent
Bryan FultonSalesperson
Independent
Tania GoldfinchSalesperson
Independent
Martin GoodSalesperson
Independent
Penelope GoodSalesperson
Independent
Nicole HumphreysSalesperson
The OwnBetter estimate is our own, from sales and council valuations, and is not a registered valuation.
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