Finding a picture…
Not listedEstimate $848k – $1.07m
5
154 Nayland Road, Stoke
Title boundary · 1,550 m² · LINZ
Unclaimed
10 Isel Place
Stoke, Nelson · Nelson City
Last sold Jan 2026
OwnBetter estimate
$959k
Medium confidence
We estimate it would sell for $959,000 as at 5 October 2026, in a range of $861,000 to $1,090,000.
Typical home in Stoke
$713k
The median of our estimates of its 5,717 homes
$861kLow
$959kEstimate
$980kCouncil value
$1.09mHigh
How we worked this out
| Council valuation, Sept 2024 | $980,000 |
|---|---|
| Market movement in Nelson City since the council valuation | −0.9% |
| Apartments and houses in Nelson City | −0.1% |
| How Stoke sells against council values | +1.3% |
| Homes in this price range | −1.5% |
| Land as a share of the value | −0.1% |
| Its own sale in 2026 | −1.0% |
| Our estimate | $959,000 |
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 10 Isel Place
Estimated repayments
$1,793
$768,000 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 $185 less a fortnight — about $4,819 over the 1 year.
All 17 lenders at 1 year fixed
- China Construction Bank4.49%s$1,793/fn
ICBC4.65%s$1,827/fn
Bank of China4.68%s$1,833/fn
AIA New Zealand4.99%$1,900/fn
ANZ Bank New Zealand4.99%s$1,900/fn
ASB Bank4.99%$1,900/fn
Bank of Baroda4.99%$1,900/fn
Police Credit Union4.99%$1,900/fn
Unity Credit Union4.99%s$1,900/fn
Kiwibank5.15%s$1,935/fn
Bank of New Zealand5.19%$1,943/fn
SBS Bank5.19%s$1,943/fn
The Co-operative Bank5.19%s$1,943/fn
TSB Bank5.19%s$1,943/fn
Westpac New Zealand5.19%s$1,943/fn
First Credit Union5.29%s$1,965/fn- Kookmin Bank Auckland Branch5.35%$1,978/fn
Brokers can often beat the advertised rate Tell us a few things and mortgage brokers compete to finance 10 Isel Place. 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
10 Isel Place as a rental
Rent estimate$745/wk$650–$860 · Little evidence
Gross yield4.0%$38,740 a year on $959k
Net yield3.3%After $6,854 of costs
Cash flow−$36/wk30% deposit, interest only at 5.03%
| Rent, 52 weeks | $38,740 |
|---|---|
| Empty between tenants 2 weeks | −$1,490 |
| Property management 9.2% incl. GST | −$3,427 |
| Maintenance 5% of rent | −$1,937 |
| Council rates this year | Not known |
| Landlord insurance the building | Not known |
| Net income before interest | $31,886 |
| Interest $671,300 at 5.03%, interest only | −$33,766 |
| Cash flow before tax | −$1,880 |
The rent covers the interest at rates up to 4.75%. That is -0.7% a year on a $288k deposit. A guide before tax and capital growth, from our estimates; not financial advice.
Property data
- Floor area290 m²
- Decade built1970s
- Bedrooms4
- Bathrooms2
- Parking5 car spaces
- Property categoryUse not published
- CouncilNelson City
- Valuation #19650-1500
- 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 numberNL134/85
- Title typeFreehold
- Estate descriptionFee Simple, 1/1, Lot 11 Deposited Plan 5508, 1,550 m2
- Land area1,550 m²
- Title issued19 Jun 1957
- Land districtNelson
Instruments on this title3 registered instrumentsBuilding Line Restriction · Mortgage · Transfer and Grant of Easement 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 · 11 land use or subdivision consents within 250 m.
Within 250 m
- 27 Nov 2024Land use
Land use consent for new dwelling that breaches daylight and excavation rules for associated retaining wall.
245310 · Nelson City140 mGranted - 6 Nov 2023Land use
Land use consent to undertake the following activities within and adjoining Poorman Valley Stream in association with flood mitigation measures to reduce the risk of flooding and erosion of the Transpower Substation site: Vegetation clearance, soil disturbance, earthworks, disturbance and deposition of material. NOTE: To be read in conjunction with RM245127 Discharge Permit and RM245175
235282 · Nelson City239 mGranted - 11 May 2021Land use
Consent Transfer - Variation to conditions 1 & 3 of resource consent RM095232 to allow works to take place during fish spawning.
095232V1T1 · Nelson City239 mGranted - 25 May 2020Land use
Change of Conditions 1 and 4 of Resource Consent RM195007 in relation to earthworks within 10m of Poorman Valley Street associated with an upgrade to the Stoke substation
195007V1 · Nelson City239 mGranted - 25 May 2020Land use
Change to conditions 1 and 4 of Resource Consent RM195006 Soil disturbance requiring consent under the National Environmental Standardsfor Assessing and Managing Contaminants in Soil to Protect Human Health
195006V1 · Nelson City239 mGranted - 10 Jan 2019Land use
Soil disturbance requiring consent under the National Environmental Standards for Assessing and Managing Contaminants in Soil to Protect Human Health
195006 · Nelson City239 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 Nelson 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.
Nelson City Council records these on the LIM; it will say more about a listed site on request.
Ask Nelson City 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 Stoke
Nelson City
6,398
Properties on the rating roll
10 Jun 2026
Last council revaluation
Buyer demand
7 people looked at properties in Stoke 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.
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Agents active in Stoke
People whose office is within 5 km of Stoke, nearest first. Taken from the REA public register -- not ranked by sales, and nobody pays to appear here.
Bruce BattySalesperson
Tracy BeerSalesperson
Independent
Jacquelyn BestSalesperson
Christine FergusonSalesperson
Michael FoxSalesperson
Callum GilchristBranch Manager
Independent
Cleo HodgsonSalesperson
Independent
Aaron McCraeAgent
Timothy McQuadeBranch Manager
Allister NalderAgent
Paul NicollSalesperson
Independent
Nicola RyanAgent
The OwnBetter estimate is our own, from sales and council valuations, and is not a registered valuation.
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