Finding a picture…
$690,000 CV
2
20A Gaya Grove, Ngaio
Shared parcel · 1,014 m² · LINZ
Unclaimed
45A Fox Street, Ngaio
Also 45 Fox StreetWellington · Wellington City
Last sold Jun 2000
Rent estimate · 20 Oct 2026
$550 – $730/week
Most likely about $630 a week · Little evidence: a rough guide
Estimated rental yield
4.8%
What is rental yield?
Gross rental yield is a year’s rent as a share of what the property is worth: $630 × 52 weeks = $32,760, against the council valuation of $680,000. It is before rates, insurance, maintenance, management and vacancies, so what an owner keeps (the net yield) is lower.
How we worked this out
| Evidence | Points to | Counted |
|---|---|---|
| 4 rentals advertised nearby each adjusted to this property’s bedrooms and value | $1,140 | 1% |
| From its value what rentals in the area typically yield | $627 | 99% |
We read this property as a townhouse with 3 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
| Address | Beds | Asked | As this one | When | Away |
|---|---|---|---|---|---|
| 6 Crawford Roadrealestate.co.nz ↗ | 3 | $1,140 | $1,140 | Oct 2026 | 7.8 km |
| 233 Adelaide Roadrealestate.co.nz ↗ | 4 | $950 | $819 | Oct 2026 | 7.2 km |
| 112/181 Tasman Streetrealestate.co.nz ↗ | 2 | $610 | $726 | Oct 2026 | 6.7 km |
| W103/28 Torrens Terracerealestate.co.nz ↗ | 1 | $510 | $750 | Oct 2026 | 5.9 km |
These are computer-generated guides only, not a rental appraisal.
My notes
Sign in to rate this property, keep private notes on it and record what you think it is worth. Only you see them.
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 45A Fox Street
Estimated repayments
$1,270
$544,000 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 $131 less a fortnight — about $3,414 over the 1 year.
All 17 lenders at 1 year fixed
- China Construction Bank4.49%s$1,270/fn
ICBC4.65%s$1,294/fn
Bank of China4.68%s$1,299/fn
AIA New Zealand4.99%$1,346/fn
ANZ Bank New Zealand4.99%s$1,346/fn
ASB Bank4.99%$1,346/fn
Bank of Baroda4.99%$1,346/fn
Police Credit Union4.99%$1,346/fn
TSB Bank4.99%s$1,346/fn
Unity Credit Union4.99%s$1,346/fn
Kiwibank5.15%s$1,370/fn
Bank of New Zealand5.19%$1,376/fn
SBS Bank5.19%s$1,376/fn
The Co-operative Bank5.19%s$1,376/fn
Westpac New Zealand5.19%s$1,376/fn
First Credit Union5.29%s$1,392/fn- Kookmin Bank Auckland Branch5.35%$1,401/fn
Brokers can often beat the advertised rate Tell us a few things and mortgage brokers compete to finance 45A Fox 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
45A Fox Street as a rental
Rent estimate$630/wk$550–$730 · Little evidence
Gross yield4.8%$32,760 a year on $680k
Net yield4.0%After $5,796 of costs
Cash flow+$59/wk30% deposit, interest only at 5.02%
| Line | ||
|---|---|---|
| Price Council valuation | ||
| Deposit | ||
| Interest rate 5.02% is today’s 1-year average | ||
| Rent a week our estimate $630 | ||
| Property manager | ||
| Rent, 52 weeks | $32,760 | |
| 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 | $26,964 | |
| Interest $476,000 at 5.02%, interest only | −$23,895 | |
| Cash flow before tax | +$3,069 | |
| Cash flow a week | +$59 | |
| Gross / net yield on the price | 4.8% / 4.0% | |
| Return on equity cash flow on the deposit, before tax | 1.5% | |
| Loses money above this interest rate, before tax | 5.66% | |
Type over any figure, add your own lines, or add a scenario to compare.
The rent covers the interest at rates up to 5.66%. That is 1.5% a year on a $204k deposit. A guide before tax and capital growth, from our estimates; not financial advice.
Property data
- Floor area91 m²
- Decade built1980s
- Bedrooms3
- Bathrooms1
- Parking1 car space
- Property categoryUse not published
- CouncilWellington City
- Valuation #16790-5400-B
- 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 numberWN51B/101
- Title typeCross leaseGuaranteed
- Estate descriptionFee Simple, 1/2, Lot 10 Deposited Plan 17100 and Section 34 Kaiwharawhara District, 1,013 m2; Leasehold, 1/1, Flat 2 Deposited Plan 83891 and Garage 2 Deposited Plan 83891
- Legal descriptionFlat 2 Deposited Plan 83891 and Garage 2 Deposited Plan 83891; Lot 10 Deposited Plan 17100 and Section 34 Kaiwharawhara District
- Land area1,014 m²
- Title issued24 Nov 1997
- Land districtWellington
- Addresses on this property2
Registered instruments7 registered instruments on this titleTransfer and Grant of Easement ×3 · Lease ×2 · Consent Notice under s221(4)(a) Resource Management Act 1991 · Housing Corporation Easement Certificate 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
Train station
Awarua Street Station
3 min walk · 180 m · about every 20 min
JVL
Bus stop
Ngaio School - Colway Street
5 min walk · 298 m · about hourly
2226674746
Stops: Greater Wellington Regional CouncilWalk times estimated, not routed
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 · 14 land use or subdivision consents within 250 m.
Within 250 m
- 6 Jun 2023Land use and subdivision
Extension of time to SR 392147, a subdivision and land use consent for subdivision and multi-unit development
534685 · Wellington City88 mGranted - 9 Jan 2023Land use and subdivision
Extension of time to the resource consent for the construction of a new dwelling, associated earthworks and cross lease subdivision
527066 · Wellington City133 mGranted - 23 Dec 2021Subdivision
Subdivision: Three lot fee simple subdivision around an existing semi-detached dwelling
506715 · Wellington City126 mGranted - 15 Jan 2020186 mGranted
- 15 Jan 2020Subdivision
Subdivision and Land Use: Two lot fee simple and a new dwelling
457928.2 · Wellington City186 mGranted - 18 Nov 2019249 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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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 Wellington 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.
Greater Wellington will send the file on a listed site on request; quote the site number.
Ask Greater Wellington 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 Ngaio
Wellington City
2,276
Properties on the rating roll
1 Sep 2024
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 Ngaio
People whose office is within 5 km of Ngaio, nearest first. Taken from the REA public register -- not ranked by sales, and nobody pays to appear here.
Independent
Christopher KennedyAgent
Independent
Carl HastingsAgent
Ray White
Ashton D'SilvaSalesperson
Ray White
Jodie HannaSalesperson
Ray White
Stanley KalafatelisSalesperson
Ray White
Sarah MairsSalesperson
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Georgina MarkhamSalesperson
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Leanne PlattSalesperson
Ray White
Stephen PlattAgent
Ray White
Jennifer WilliamsSalesperson
Independent
Deborah AldredAgent
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Mariel Stephanie AlvizoSalesperson
Free for property owners
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