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It stretches away from Ocean Beach Rd for about 500 metres. Located next to Osborne Ave which has the Police Youth Centre (indoor skate ramp, holiday care, boxing ,archery, disco's) at the end, so there's a great safe place for the kids to have fun nearby.
Nowack Ave is the only no through road in that area without an attraction at the end (McEvoy has the oval) so the only through traffic past Rabaul Ave is residential.
Close enough to walk to bus stops in Brisbane Ave, Ocean Beach Rd and Rabaul Ave, as well as the shops, primary school, beach and recreation precinct.

I've been holidaying in Umina for the last 10 years and moved here permanently 3 years ago. I'm very happy with the decision. It's quiet but has all the facilities a young family wants and is the best place on the Coast to commute to Sydney from, due to the train service and close access to the F3, as well as the Palm Beach ferry.

The CBD has a some excellent restaurants as well as supermarkets and specialty shops. There are mostly young families and retirees here so the nightlife is not exactly happening although the Ocean Beach hotel has a nice bistro and beer garden.

There's an amazing playground at the beach, as well as a skate ramp and bbq's.

Situated in between Brisbane Waters and the Hawkesbury River. Palm Beach is 20 minutes away by ferry and there are many secluded fishing and camping spots a short drive away, whether by boat or car.

Prices have risen over the past year or 2, but they're still about the same as the peak prices paid in 2003-04. It is relatively good value when compared to Sydney, which has had recent price rises. Anything that comes on the market sells quickly. A number of hard to sell properties have recently been bought and these signs indicate prices are about to rise soon.

Although it is 90 kms to Sydney by road, it's only about 60kms by train to Sydney from Woy Woy. So, it should be quicker to get to Sydney by train than by car. Unfortunately, the hour long trip to Central Station was increased to 80 minutes about 10 years ago to reduce track maintenance costs, or something. So, the trains are now slower than the steam trains used to be. I find the talk of a fast train 20 years in the future hard to believe, when they can't get the existing service running to it's potential.

As for Bogans, yes there are some. I grew up living in an ex boarding house in Mosman in the 80's that used to accommodate drunks until my parents bought it for about $80,000. Manly at the time had bikies and drugs and a bad name, too. 30 years later and look at them now. Over time, the people change but the natural beauty remains. It's very obvious to me that Umina is changing now.