33 Bay Street, Swansea, NSW 2281

FOR SALE - Lakeside Budget Buy!

House
Type
2
Bedrooms
1
Bathrooms
695 m²
Area

Published on Wednesday, July 22, 2026 ( See property details for 33 Bay Street, Swansea, NSW 2281)

FOR SALE - Lakeside Budget Buy!

  • AI-generated summary for guidance only. We can’t guarantee accuracy -please verify all details independently before deciding.

A charming lakeside cottage on a flat 695m² block with outstanding future potential, located just steps from Lake Macquarie's pristine waters and amenities.

🏡 Property Highlights

  • Rare flat 695m² block just one home back from Lake Macquarie
  • Charming weatherboard cottage behind a classic white picket fence
  • Outstanding long-term tenant with over 15 years of occupancy, providing immediate rental income
  • Exceptional future potential with wide side access and a large, level backyard
  • Prime lakeside location within walking distance to boat ramps, jetty, and sandy foreshore
  • Versatile property suitable for landbanking, renovation, or building your dream home

✨ Key Features

  • Built in robes
  • Open-Plan Living
  • Waterfront / Views
  • Outdoor Area
  • Secure Parking
  • Internal Laundry
  • Floorboards
  • Pet-Friendly
  • Ensuite
  • Garage
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33 Bay Street
Swansea, NSW 2281
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Vertical aerial view — 33 Bay Street
33 Bay Street — Vertical Aerial  •  Swansea, NSW 2281  •  Nearmap © 2026

Swansea offers a peaceful lakeside lifestyle with easy access to boating, fishing, and sandy beaches. The suburb features a vibrant community with local cafes, shops, and essential services. Its desirable location provides a perfect balance of tranquility and convenience. Surrounded by stunning waterways, Swansea is ideal for outdoor enthusiasts and families alike. The area is known for its tightly held properties and scenic beauty, making it a sought-after destination for both living and investing.

What is the current condition of the cottage, and are there any renovation opportunities?
The existing cottage is warm, welcoming, and perfectly liveable, offering a solid foundation for renovation or extension, subject to council approvals.
Is the property suitable for building a new home or extending the existing one?
Yes, the large, level backyard with wide side access provides excellent potential for future building or extensions, subject to relevant approvals.
What are the nearby amenities and lifestyle options?
The property is within walking distance to boat ramps, jetty, sandy foreshore, local cafes, shops, medical facilities, and post office, offering a convenient lakeside lifestyle.
Is there an existing tenant, and what are the rental terms?
Yes, there is a long-term tenant of over 15 years who is happy to stay, providing immediate rental income while planning future developments.
Are there any restrictions or covenants on the land?
Potential buyers should verify with local council regarding any zoning, easements, or covenants that may affect future development plans.
Are there any hidden costs associated with the property, such as council rates, strata fees, or maintenance expenses? Has the property been tested for flood or bushfire risks, and are there any relevant hazard overlays? Are there any planning restrictions or easements that could impact future development or extensions? Is the property compliant with all building codes and regulations, especially if planning renovations or new construction? Are there any upcoming developments or construction projects nearby that could affect the property's value or lifestyle? What are the details regarding the existing tenant's lease, and are there any conditions or restrictions? Is the property part of a strata or community title, and what are the associated fees or regulations? Are there any known defects or issues with the cottage or land that require attention? What are the zoning provisions for the land, and are there any restrictions on building or land use? Is the property located in a flood zone or bushfire-prone area, and what precautions are recommended?

33 Bay Street, Swansea, NSW 2281 - More Details

FOR SALE - Lakeside Budget Buy!

They say location is everything, and opportunities like this are becoming harder to find.

Just one home back from the sparkling shores of Lake Macquarie, this charming weatherboard cottage sits proudly behind a classic white picket fence on a level block, delivering the kind of lifestyle buyers dream about and the kind of land they simply aren't making any more of.

Whether you're looking to landbank, invest, renovate over time or design the lakeside inspired home you've always imagined, this is one of those rare properties that gives you options from day one.

Already home to an exceptional long-term tenant of more than 15 years who would love to stay on, you can enjoy immediate rental income while taking your time planning the future. Build when you're ready, not because you have to.

The existing cottage is warm, welcoming and perfectly liveable, offering two generous bedrooms, a spacious eat-in kitchen, separate living room and a large, level backyard with side access and plenty of room for vehicles, toys, future garaging or an extension (STCA).

Step outside and your weekends become effortless. Launch the boat from the double public boat ramp just metres away, throw a line off the public jetty, or let the kids and grandkids spend hours splashing along the sandy foreshore in the calm waters of Lake Macquarie.

Whether you're an investor looking for secure holding income, a retiree chasing an unbeatable lifestyle location, or someone searching for the perfect block to create their forever home, this is a property that rewards both today and tomorrow.

• Rare flat 695m² block just one home back from beautiful Lake Macquarie
• Charming cottage set behind a timeless white picket fence
• Outstanding long-term tenant happy to stay while you plan your future
• Secure your slice of Swansea & build your dream home when the time is right
• Single level layout with two generous bedrooms and a separate living room
• Spacious kitchen with plenty of storage, bench space and functionality
• Neat bathroom, separate internal laundry and a practical floorplan
• Wide side access to a huge backyard with exceptional future potential
• Peaceful lakeside position in one of Swansea's most desirable streets
• Stroll just metres to the double boat ramp, public jetty & sandy foreshore
• Launch the boat, cast a line & enjoy endless days on the stunning waterways
• Sandy shallow foreshore provides the perfect place for kids safely play
• Close to local cafés, shops, medical, post office & all your everyday needs
• Fantastic investment today with immediate income & exceptional potential
• Rare opportunity to secure premium lakeside land in one of Swansea's most tightly held pockets

*Disclaimer: All information provided, including marketing materials, is for general guidance and indicative purposes only. While deemed reliable, it is not guaranteed. Prospective buyers are advised to conduct their own investigations to verify the accuracy of details, including property features, inclusions, and availability.
Type
House
Bedrooms
2
Bathrooms
1
Area
695 m²

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