Estimate $1.48m – $2.08m
4
4059 State Highway 23, Raglan
Title boundary · 1,020 m² · LINZ
Unclaimed
18 Upper Bow Street, Raglan
Waikato District
Last sold Mar 2026
OwnBetter estimate
$1.74m
Medium confidence
We estimate it would sell for $1,740,000 as at 5 October 2026, in a range of $1,560,000 to $1,970,000.
Typical home in Raglan
$1.05m
The median of our estimates of its 2,796 homes
$1.56mLow
$1.66mCouncil value
$1.74mEstimate
$1.97mHigh
How we worked this out
| Council valuation, Oct 2023 | $1,660,000 |
|---|---|
| Market movement in Waikato District since the council valuation | +1.8% |
| How Raglan sells against council values | +2.4% |
| Homes in this price range | −1.0% |
| Land as a share of the value | +1.1% |
| Nearby recent sales (15) | −0.4% |
| Its own sale in 2019 | +0.6% |
| Our estimate | $1,740,000 |
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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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 18 Upper Bow Street
Estimated repayments
$3,250
$1,392,000 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 $336 less a fortnight — about $8,735 over the 1 year.
All 17 lenders at 1 year fixed
- China Construction Bank4.49%s$3,250/fn
ICBC4.65%s$3,311/fn
Bank of China4.68%s$3,323/fn
AIA New Zealand4.99%$3,443/fn
ANZ Bank New Zealand4.99%s$3,443/fn
ASB Bank4.99%$3,443/fn
Bank of Baroda4.99%$3,443/fn
Police Credit Union4.99%$3,443/fn
Unity Credit Union4.99%s$3,443/fn
Kiwibank5.15%s$3,506/fn
Bank of New Zealand5.19%$3,522/fn
SBS Bank5.19%s$3,522/fn
The Co-operative Bank5.19%s$3,522/fn
TSB Bank5.19%s$3,522/fn
Westpac New Zealand5.19%s$3,522/fn
First Credit Union5.29%s$3,562/fn- Kookmin Bank Auckland Branch5.35%$3,586/fn
Brokers can often beat the advertised rate Tell us a few things and mortgage brokers compete to finance 18 Upper Bow Street. 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
18 Upper Bow Street as a rental
Rent estimate$1,005/wk$870–$1,150 · Little evidence
Gross yield3.0%$52,260 a year on $1.74m
Net yield2.5%After $9,246 of costs
Cash flow−$351/wk30% deposit, interest only at 5.03%
| Rent, 52 weeks | $52,260 |
|---|---|
| Empty between tenants 2 weeks | −$2,010 |
| Property management 9.2% incl. GST | −$4,623 |
| Maintenance 5% of rent | −$2,613 |
| Council rates this year | Not known |
| Landlord insurance the building | Not known |
| Net income before interest | $43,014 |
| Interest $1,218,000 at 5.03%, interest only | −$61,265 |
| Cash flow before tax | −$18,251 |
The rent covers the interest at rates up to 3.53%. That is -3.5% a year on a $522k deposit. A guide before tax and capital growth, from our estimates; not financial advice.
Property data
- Floor area294 m²
- Decade built1960s
- Bedrooms5
- Bathrooms2
- Property categoryUse not published
- CouncilWaikato District
- Valuation #6412-26000
- 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 numberSA524/126
- Title typeFreehold
- Estate descriptionFee Simple, 1/1, Lot 3 Deeds Plan 1199, 1,012 m2
- Land area1,020 m²
- Title issued30 Jun 1930
- Land districtSouth Auckland
Instruments on this title2 registered instrumentsConveyance · Mortgage 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
Building work the council has consented on this property, newest first. 3 consents on record.
- 1 Jun 2026Adds/Alts$20,000 declared
New ensuite
Consent BLD1171/26 · Waikato District - 1 Sep 2022Adds/Alts$50,000 declared
Dwg additions - widening existing wall openings, new bathrm, removal of walls & new joinery
Consent BLD0217/23 · Waikato District - 1 Oct 2020Adds/Alts$20,000 declared
Supporting steel frame to existing balcony
Consent BLD0423/21 · Waikato District
Resource consents
What the council has been asked to allow under the Resource Management Act. None on this property · 19 land use or subdivision consents within 250 m.
Within 250 m
- 15 Nov 2024Subdivision
Vary condition 1 and 2 of Consent Notice 8154805.1 in so far as it relates to Lot 2 DP 411910
VAR0004/25 · Waikato District147 mGranted - 29 Oct 2024Land use
Mixed-use multi story development consisting of residential units together with commercial units and shared access requiring land use and unit title subdivision resource consent. The site is within the Business Zone of the Operative District Plan and the Town Centre Zone of the Waikato District Plan - Operative in Part.
LUC0143/25 · Waikato District240 mGranted - 29 Oct 2024Subdivision
Mixed-use multi story development consisting of residential units together with commercial units and shared access requiring land use and unit title subdivision resource consent. The site is within the Business Zone of the Operative District Plan and the Town Centre Zone of the Waikato District Plan - Operative in Part.
SUB0040/25 · Waikato District240 mGranted - 5 Sep 2024Land use
To construct a dwelling in the Business/Commercial Zone and to vary existing consent notice conditions
LUC0083/25 · Waikato District147 mGranted - 21 Mar 2023Land use
Operative District Plan: Undertake earthworks exceeding the permitted maximum depth of excavation cut. Proposed District Plan – Appeals Version: Undertake earthworks exceeding the permitted maximum volume and height of cut and construct retaining walls higher than 1.5m within 3m of the road boundaries.
LUC0434/23 · Waikato District175 mGranted - 21 Feb 2023Land use
Retrospective land use consent for earthworks exceeding the maximum permitted volume on a site in the Living Zone (ODP) Retrospective land use consent for earthworks exceeding maximum permitted cut depth on a site in the Medium Density Residential Zone 1. (WDP-OIP)
LUC0362/23 · Waikato District122 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 Waikato 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.
Waikato Regional Council does not publish its register. Ask it for a HAIL search on the property; some district councils sell their own report.
Ask Waikato 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 Raglan
Waikato District
3,421
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.
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Agents active in Raglan
People whose office is within 5 km of Raglan, nearest first. Taken from the REA public register -- not ranked by sales, and nobody pays to appear here.
Ray White
Henri AnholtsSalesperson
Ray White
Melanie CarrollSalesperson
Ray White
Fraser CoombesAgent
Deborah CrarerSalesperson
Mark CrarerSalesperson
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Blair HannaSalesperson
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David HannaAgent
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Julie HannaAgent
James LambieSalesperson
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Yana PembertonSalesperson
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The OwnBetter estimate is our own, from sales and council valuations, and is not a registered valuation.
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