Back to Whangārei, New Zealand

12A Bank Street, Kaitaia, Far North, Northland

Whangārei, New Zealand

Guide Price

$276,710

469,000 NZD

PROPERTY TYPE

house

BEDROOMS

3

BATHROOMS

2

12A Bank Street, Kaitaia, Far North, Northland - Photo 2
12A Bank Street, Kaitaia, Far North, Northland - Photo 3
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Description

Act quickly - motivated vendor and reduced price! An opportunity not to be missed! This well-presented Lockwood family home, perfectly positioned within walking distance to all local amenities, including shops, schools, and town services. This inviting home offers three generous bedrooms plus a bonus media room, making it ideal for families, professionals, or those wanting extra space to work or relax. Property

Features: Roof has been replaced approximately 2 years ago, offering peace of mind for years to come. 3 bedrooms + bonus media room 1 bathroom plus separate shower room Internal access garage Lockwood construction - warm, solid, and timeless Fireplace for cosy winter evenings Gas cooktop and gas water heating Three rooms with ranch sliders opening to the backyard and deck Great indoor-outdoor flow Private deck and backyard - perfect for entertaining Walking distance to all local

amenities The fireplace adds warmth and character, while the ranch sliders create a seamless connection between indoor living and the outdoor entertaining area. This home offers comfort, functionality, and

location all in one package. A fantastic opportunity for families, first-home buyers, or investors with a rental return & appraisal of $600.00 per week. A great home in a prime location. For Sale $469,000 Contact Atiria Te Wake 0210 826 2192 for a viewing or more information.

Location

Open in Google Maps

Living in Whangārei

Morning surf before work, weekends tramping through Lord-of-the-Rings landscapes, and a laid-back culture where shoes are optional and nature is never more than ten minutes away.

Visa

Skilled Migrant Category Resident Visa — points-based system requiring a skilled job offer in NZ. New pathways opening August 2026 for trades workers and those with 5+ years experience. Accredited Employer Work Visa is the faster route if you already have a job offer.

Learn more: The Complete Guide to Moving to New Zealand

Key Fact

NZ has strict biosecurity laws — importing food, plants, or outdoor gear can result in heavy fines. The work-life balance is exceptional, but the job market is small and remote from everywhere.

Learn more: What You Need to Know Before Moving Abroad
See all New Zealand listings

New Zealand at a glance

How New Zealand scores for American expats

💰Cost of Living
Expensive
🛡️Safety
Very safe
🗣️English Spoken
Widely
🏥Healthcare
Excellent
🌬️Air Quality
Clean
📶Internet
Moderate
🚶Walkability
Moderate
🚇Transit
Limited

Cost of buying in New Zealand

Estimated fees and ongoing costs for this property

Closing Costs

3-5% of purchase price

  • ·No stamp duty
  • ·Legal/conveyancing: NZ$1,500-3,000
  • ·Building inspection: NZ$500-800
  • ·LIM report: NZ$300-400

Annual Costs

Property Tax

0.3-1.5% of government valuation (varies by council)

Insurance

NZ$1,500-3,000/yr

HOA / Condo Fees

NZ$300-600/mo for apartments (body corporate)

Good to Know

Agent Fees

Seller pays (2.5-4%)

Foreign Buyer Note

Foreign buyers BANNED from existing homes (2018 ban). Can only buy new-build apartments in large developments.

Legal help in New Zealand

Hire your own attorney — not the seller's. We'll match you with a vetted local lawyer.

Need a local attorney in New Zealand?

We'll connect you with an independent, English-speaking real estate attorney experienced with foreign buyers. Not the seller's lawyer — yours.

Contact Agent

Atiria Te Wake - Far North Real Estate (2025) Ltd (Licensed: REAA 2008) - Raine & Horne, Kaitaia

Next steps for moving to New Zealand

Interested in this property? Here's how to move forward.

1

Understand the buying rules

Foreign ownership laws vary wildly by country. Some welcome you, others restrict or ban foreign buyers entirely.

2

Sort out your visa

Owning property doesn't give you the right to live there. Research residency options before you buy.

3

Plan your finances

Understand currency risk, international wire transfers, and whether you can get a local mortgage.

4

Know your tax obligations

US citizens are taxed on worldwide income. You'll need to file US taxes from abroad and may owe local taxes too.

5

Set up healthcare

Medicare doesn't cover you overseas. You'll need international health insurance or a local plan.

6

Run the full checklist

Banking, mail forwarding, power of attorney, pet import rules — the complete pre-move checklist.

Source

realestate.co.nz

Portal listings

Currency

NZD