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98 Church Street, Cowes, Vic 3922 For Sale
98 Church Street, Cowes, Vic 3922 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Image 98 Church Street, Cowes, Vic 3922-Floorplan

98 Church Street, Cowes, Vic 3922

$795,000

House
Type
5
Bedrooms
3
Bathrooms
2
Parkings
614 m²
Area

Published on Thursday, August 20, 2026 ( See property details for 98 Church Street, Cowes, Vic 3922)

$795,000

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

A charming, character-filled family home in a prime central Cowes location with spacious living and outdoor entertaining areas.

🏡 Property Highlights

  • Centrally located with easy access to shops, cafes, and beaches
  • Generous five-bedroom layout with multiple living zones
  • Character-filled features including polished hardwood floors and an open fireplace
  • Expansive north-facing entertainer's deck overlooking established gardens
  • Secure off-street parking with gated driveway and side access
  • Well-maintained, easy-to-manage garden with privacy

✨ Key Features

  • Built-in Robes
  • Open-Plan Living
  • Fireplace
  • Ceiling Fans
  • Outdoor Area
  • Secure Parking
  • Water tank
  • Fully fenced
  • Waterfront / Views
  • Pet-Friendly
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98 Church Street
Cowes, VIC 3922
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Vertical aerial view — 98 Church Street
98 Church Street — Vertical Aerial  •  Cowes, VIC 3922  •  Nearmap © 2026

Cowes offers a vibrant coastal lifestyle with easy access to beaches, cafes, and shopping. The suburb boasts established gardens, family-friendly parks, and a strong community spirit. Its central location provides excellent connectivity to local amenities and outdoor activities. The area is highly sought after for its relaxed coastal charm and convenience. With a mix of character homes and modern extensions, Cowes is ideal for families and investors alike.

What is the condition of the property and its recent renovations?
The property has been well-maintained with character features preserved and a clever extension to accommodate a growing family, ensuring modern comfort alongside classic charm.
Does the house have energy-efficient features?
Multiple split-system air conditioners and ceiling fans are installed for year-round comfort, contributing to energy efficiency.
Is there outdoor space suitable for entertaining?
Yes, the north-facing entertainer's deck overlooks established gardens, perfect for outdoor dining and relaxing.
What parking options are available?
The property offers generous off-street parking with a fenced and gated driveway for secure additional parking and side access.
Are there any nearby amenities and services?
Yes, the home is within walking distance to Cowes main shopping district, cafes, the beach, community centre, hospital, and bus transit station.
Are there any planning or zoning restrictions affecting the property? Has the property been inspected for any structural issues or pests? Are there any easements or covenants registered on the title? What are the ongoing maintenance costs for the established gardens and outdoor areas? Is the property located in a flood or bushfire-prone zone? Are there any upcoming developments or construction projects nearby that could impact the property? What are the strata or council rates applicable to this property? Has the property been updated to meet current building codes and standards? Are there any known issues with the original brick chimney or other character features? Is the property compliant with current safety and fire regulations?

98 Church Street, Cowes, Vic 3922 - More Details

$795,000

Full of character and cleverly extended to suit a growing family, this established home pairs classic street appeal with a surprisingly generous footprint inside. From the gabled roofline, feature bay window, original brick chimney and established gardens, the welcome is warm before you've even stepped through the front door.

The current owners have enjoyed this central location for nearly 60 years. With a north facing deck, the beach less than 600m away, a café across the road and supermarkets and shops all an easy walk away, you are in one of the prime (and most tightly held) spots on the Island.

Inside, the character continues with polished hardwood floors and a light-filled living room anchored by an open fireplace, flowing through to a well-equipped kitchen. A large master retreat offers a built-in robe and private ensuite for a quiet, self-contained feel.

A second living zone sets this home apart. The expansive lounge and dining area forms the heart of the extended wing, connecting a further four bedrooms and two family bathrooms. Multiple split-system air conditioners and ceiling fans are positioned throughout for year-round comfort, and a linen press and additional storage keep everyday living organised.

Step outside to a substantial entertainer's deck, the perfect spot for long lunches or evening drinks, overlooking a well established, private and easy to maintain garden. With generous off-street parking for several cars, a fenced and gated driveway offers secure additional off-street parking and side access.

A short walk to Cowes main shopping district, Berninneit Cultural & Community Centre, Phillip Island Community Hospital, bus transit station and plenty more. The convenience of this location is unbeatable.

This is a wonderful opportunity to secure space, flexibility and character in one centrally located address.

If you're an investor, our specialised rental department are here to assist in the management of your future investment. If you would like a current rental appraisal on this property, please get in contact today!
Type
House
Bedrooms
5
Bathrooms
3
Parkings
2
Area
614 m²

Price guide

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