For Sale

3/220 Church Street, Cowes, Vic 3922

$529,000

Unit

Type

Bedrooms

Bathrooms

Parkings

Published on Wednesday, September 30, 2026 ( See property details for 3/220 Church Street, Cowes, Vic 3922)

$529,000

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Greg Price Director / Licensed Estate Agent

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George Grigg Sales Agent

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AI Property Insight

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

A beautifully positioned, low-maintenance 3-bedroom townhouse offering privacy, modern comforts, and beachside living just steps from Cowes' stunning shores.

🏡 Property Highlights

Prime north-facing beachside location just 100 metres from Cowes' pristine shores
Quiet rear position within a boutique complex of only six homes ensuring privacy
Low Owners Corporation fee of $1,000 per annum including building insurance
Highly sought-after ground-floor master bedroom for easy single-level living
Potential to add an ensuite to upstairs bedrooms for added convenience
Turnkey furniture option available for immediate move-in or leasing

✨ Key Features

Open-Plan Living
Built-in Robes
Outdoor Area
Secure Parking
Outdoor Area / Balcony
Split-System Air Conditioning
Fireplace
Water tank
Low-Maintenance Yard
Garage / Secure Parking

Suburb and Property Insights of Cowes, VIC 3922

Cowes offers a vibrant coastal lifestyle with pristine beaches, a lively waterfront precinct, and a relaxed community atmosphere. The area is ideal for holidaymakers, retirees, and families seeking a peaceful seaside escape. With excellent local amenities, scenic walking tracks, and a range of dining options, Cowes is the perfect place to enjoy relaxed coastal living. Its proximity to the beach and nature reserves makes it a highly desirable location for both lifestyle and investment. The community is quiet, well-maintained, and ideal for those seeking a secure, low-overhead property in a sought-after seaside town.

Frequently Asked Questions

What is the layout and size of the property?

This townhouse features a compact, low-maintenance 3-bedroom floor plan with a ground-floor master bedroom, open-plan lounge and dining areas, and a private backyard with an undercover patio.

Are there any additional costs besides the purchase price?

The Owners Corporation fee is $1,000 per annum, which includes structural building insurance, keeping holding costs very low.

Can I add an ensuite to the upstairs bedrooms?

Yes, there is excellent potential to add an ensuite to either of the upstairs bedrooms, a modification already successfully completed in other townhouses in the complex.

Is the property suitable for downsizers or retirees?

Absolutely, the ground-floor master bedroom and single-level living design make it ideal for downsizers, retirees, or those seeking a low-overhead coastal lifestyle.

What are the parking arrangements?

The property includes a secure, remote-control single garage and an additional allocated parking space for convenience and security.

What to ask about this property to agent?

Are there any upcoming or planned developments in the area that could affect the property's value or privacy? Is the property compliant with all local building codes and regulations, including any modifications made? Are there any easements, zoning restrictions, or covenants that could impact future renovations or use? What are the potential costs for future maintenance or upgrades not covered by the Owners Corporation fee? Is there any history of flooding, bushfire risk, or other environmental hazards in this location? Are there any restrictions or conditions related to the Owners Corporation that I should be aware of? What is the current condition of the property’s structure, roof, and essential systems? Are there any noise or nuisance issues from neighbours or nearby infrastructure? Is the property suitable for rental or holiday letting, considering the Owners Corporation rules? Are there any planned community or infrastructure projects that could impact the area’s tranquility or accessibility?

3/220 Church Street, Cowes, Vic 3922 - More Details

$529,000

Positioned an effortless, flat 100-metre stroll from the highly coveted, pristine shores of Cowes' premier north-facing beach, this vacant 3-bedroom brick and hardiplank townhouse offers a rare lifestyle configuration optimised for absolute peace, privacy, and low-overhead living. Quietly tucked away at the rear of a boutique complex of just six homes, the residence combines premium beachside proximity with a sense of completely secluded sanctuary.

Unlike standard coastal complexes, this exclusive block features a strict Owners Corporation rule prohibiting short-term holiday accommodations (such as Airbnb). This ensures a quiet, stable community environment completely free from rotating weekend crowds, making it the ultimate haven for first-home buyers, holiday home makers, permanent downsizers, lifestyle retirees, or long-term landlords looking for absolute security and peace of mind.

The Financial Advantage:
Holding costs are kept exceptionally low with an incredibly rare Owners Corporation fee of just $1,000 per annum—which fully includes your structural building insurance coverage. Positioned comfortably below the Victorian First Home Buyer threshold at $529,000, this property also represents a massive, stamp-duty-free window of opportunity for entering the market.

Property Specifications:
Downsizer-Friendly Layout: Highly sought-after ground-floor master bedroom configuration, allowing for complete, convenient single-level living.

Private Treetop Deck: A bright upstairs sitting area opens out to a lovely private deck featuring modern glass balustrading and beautiful, serene treetop views.

Ensuite Value-Add Potential: Excellent potential to add an ensuite to either of the upstairs bedrooms, a smart modification that has already been successfully completed in one of the other townhouses in the block.

Compact, cozy, and low-maintenance 3-bedroom floor plan, with built-in robes.

Welcoming open-plan lounge and dining zone warmed by a feature combustion wood heater and a split-system air conditioner for year-round comfort.

Well-equipped, functional kitchen configuration flowing seamlessly into the living spaces.

Step outside to a private backyard and undercover patio, perfect for entertaining or relaxing in complete seclusion.

Secure parking and storage with a remote-control single garage plus an allocated separate parking space.

Low maintenance, mainly brick construction featuring a combined bathroom and laundry layout designed for maximum efficiency.

Turnkey Furniture Opportunity: The owners are open to offers from the purchaser on most of the existing, highly comfortable, and attractive furniture by negotiation post-sale.

Primed for immediate vacant possession - move straight in or lease out on day one.

Call Alex Scott & Staff today on 5952 2633 to arrange your private inspection or enquire when our next Open Home will be.

Disclaimer: Whilst every care has been taken in preparing the above information, it is to be used as a guide only. Please refer to the appropriate legal documentation to complete your due diligence.

Type: Unit
Bedrooms: 3
Bathrooms: 1
Parkings: 2

Price guide

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3/220 Church Street, Cowes, Vic 3922

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