Detached 5 sales on record

85 BANKS CRESCENT

STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FF

£387,000

Location

Map view View on Google Maps View on OpenStreetMap Street View PE9 1FF

Nearby

Nearest stations, universities and amenities (distance from property).

Type	Name	Distance
Bus stop	29 Waverley Gardens	0.1 miles
Shop	Casterton Stores	0.2 miles
Train station	Stamford	1.0 miles
Hospital	Stamford & Rutland Hospital	1.2 miles

Property details

Tenure

Freehold

Property type

Detached

Bedrooms

Bathrooms

Floor area

98 m²

EPC rating

Year built

England and Wales: 2012 onwards

Last sold

£387,000 May 2026

Price per m²

£3,949/m²

Local average

£616,973 (41 sales)

Street crime

133 incidents within 1 mile (Jul 2026)

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: B

Inspection date: 12/12/2024

Expiry date: 11/12/2034

Current heating cost: £564/year

Potential heating cost: £569/year

Est. upgrade cost to C: £9,500

Recommendations

Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	14/05/2026	£387,000	Detached	+13.8%	£388,186 to June 2026	View transaction
Sold	04/12/2018	£340,000	Detached	+13.3%	£422,099 to June 2026	View transaction
Sold	22/05/2015	£299,995	Detached	+20%	£466,870 to June 2026	View transaction
Sold	04/07/2014	£250,000	Detached	+0.8%	£412,605 to June 2026	View transaction
Sold	27/05/2011	£247,995	Detached	—	£425,011 to June 2026	View transaction

Historic listings

Listing and sale events only where we matched the listing page to a Land Registry sale already on record for this address.

Event	Date	Price
sold	01/01/2026	£387,000
listed	05/08/2025	£399,995
sold	01/01/2018	£340,000
sold	01/01/2015	£299,995
sold	01/01/2014	£250,000
sold	01/01/2011	£247,995

Photos · Open listing

Sold comparables

Same street and nearby sales within 0.25 miles (last 5 years). Land Registry Price Paid Data.

Address	Price	Date	Type
9 JACKSON WAY, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FG	£595,000	26/11/2025	Detached
40 SUTHERLAND WAY, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2TD	£580,000	04/06/2025	Detached
15 FOX DALE, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2XA	£592,000	26/04/2023	Detached
13 CAMBRIDGE ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1BN	£470,000	20/12/2022	Detached
9 CAMBRIDGE ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1BN	£410,000	18/11/2022	Detached
63 SUTHERLAND WAY, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2TD	£350,000	15/11/2022	Detached
71 SUTHERLAND WAY, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2TD	£820,000	14/10/2022	Detached
111 CASTERTON ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2UF	£385,000	05/10/2022	Detached
10 CAMBRIDGE ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1BN	£327,300	05/10/2022	Detached
12 CAMBRIDGE ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1BN	£560,000	30/09/2022	Detached
51 ELGAR WAY, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1EY	£287,000	23/09/2022	Detached
73 CASTERTON ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2UB	£555,000	31/08/2022	Detached
11 HADDON ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2UW	£380,000	30/08/2022	Detached
7 ROXBURGH ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2XE	£482,100	30/06/2022	Detached
103 CASTERTON ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2UF	£350,000	23/05/2022	Detached
24 ANCASTER ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1DG	£375,000	11/05/2022	Detached
9 JACKSON WAY, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FG	£595,000	25/04/2022	Detached
5 JACKSON WAY, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FG	£615,000	24/02/2022	Detached
91 BANKS CRESCENT, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FF	£395,000	29/09/2021	Detached

Area average: £480,179 (19 sales)

For sale comparables

No active for-sale comparables found within 1 mile for the same bedrooms and property type.

Capital growth trend

Land Registry outcode average: last 12 months vs 5y and 10y ago (from sold prices).

5y growth -24.1%

10y growth -28.3%

House Price Index (HM Land Registry — official index, not sold-price averages): South Kesteven. Series: Detached. As of June 2026.

1y (index) 1.6%

5y (index) 13.7%

10y (index) 42.1%

Rental Range

Estimated market rent for South Kesteven. Low = conservative, Realistic = average, Optimistic = best case.

Low £759/mo

Realistic £843/mo

Optimistic £927/mo

Based on Local Authority from postcode lookup → South Kesteven.

LHA (30th percentile) floor for Peterborough: Apr 2025 – Mar 2026

Rental Comparables

Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
4 Bed Detached House, Vence Close, PE9	£2,950/mo	4	0.58 miles	OpenRent

Average rent: £2,950/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.76%

Max investor price (0.8%) £368,750

Target investor price (1%) £295,000

Gross yield 9.1%

Cost-to-rent ratio 10.9×

Monthly cashflow £1,106/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 11.8%

Rent ratio — Monthly rent ÷ purchase price (1% rule). 1%+ = strong, 0.8–1% = okay, <0.8% = weak for cashflow.
Max investor price — Rent ÷ 0.8%; the price at which rent would be 0.8% of price (Stoke-style target).
Target investor price — Rent ÷ 1%; the price at which rent would be 1% of price (strong cashflow band).
Gross yield — Annual rent as % of purchase price (no costs).
Cost-to-rent — Price ÷ annual rent (from OpenRent comparables). Under 14× = strong, 14–16× = acceptable, 17×+ = compressed.
Cashflow — Rent minus mortgage, 10% maintenance, £25/mo compliance. Assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term.
ROI — Annual profit ÷ cash in (deposit + 4% purchase costs).

Flood risk

Zone: 1

Risk: Low

Not in Flood Risk Area (no data)

Registered land (INSPIRE)

This location falls inside an HM Land Registry INSPIRE registered freehold polygon.

Plot: ~231 m² (0.06 acres)

Source: HM Land Registry INSPIRE Index Polygons.

Street-level crime

Category	Count
Violence and sexual offences	52
Anti-social behaviour	29
Criminal damage and arson	12
Shoplifting	12
Other theft	7
Public order	4
Vehicle crime	4
Burglary	3
Other crime	3
Possession of weapons	2
Robbery	2
Bicycle theft	1
Drugs	1
Theft from the person	1
Total incidents	133

Within 1 mile during Jul 2026. Source: data.police.uk (England & Wales).

Schools nearby

Nearest open schools with Ofsted ratings (England). Closed schools are not shown. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Malcolm Sargent Primary School	Primary	0.5 miles	Good — 25 Nov 2019
The Bluecoat School	Primary	0.6 miles	Requires improvement — 25 May 2022
Stamford St Gilberts Church of England Primary School	Primary	0.7 miles	Good — 19 Oct 2011
Stamford Welland Academy	Secondary	0.7 miles	Good — 17 Oct 2021
St Augustine's Catholic Voluntary Academy	Primary	0.8 miles	Requires improvement — 13 Nov 2022

FENSA

No FENSA certificates found for this address.

# 85 BANKS CRESCENT, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FF

## Property details

- Slug: `31175e8` (address key hash: `31175e8f6e8cced59239dc6c9b9824894f49e531`)
- Postcode: PE9 1FF
- Transactions on record: 5

- Tenure: Freehold
- Property type: Detached
- Bedrooms: 4
- Bathrooms: 2
- Floor area: 98 m²
- EPC rating: C
- Year built: England and Wales: 2012 onwards
- Last sold: £387,000 May 2026
- Price per m²: £3,949/m²
- Local average: £616,973 (41 sales)
- Street crime: 133 incidents within 1 mile (Jul 2026)

## Latest sale

- Price: £387,000
- Date: 2026-05-14
- Type: D
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 11/12/2034
- **Current heating cost:** £564/year
- **Est. upgrade cost to C:** £9,500

### Recommendations
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/9127-3945-1202-8624-0204)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-05-14 | £387,000 | Detached | +13.8% | £388,186 (to June 2026) | [View](http://87.117.209.195:8080/house-prices/5340b1c5-89a9-8052-e063-4804a8c06ee4) |
| Sold | 2018-12-04 | £340,000 | Detached | +13.3% | £422,099 (to June 2026) | [View](http://87.117.209.195:8080/house-prices/80e1aa98-44f5-7bf8-e053-6c04a8c00bf2) |
| Sold | 2015-05-22 | £299,995 | Detached | +20% | £466,870 (to June 2026) | [View](http://87.117.209.195:8080/house-prices/39875dbd-01d4-4591-900b-e12ab90fa972) |
| Sold | 2014-07-04 | £250,000 | Detached | +0.8% | £412,605 (to June 2026) | [View](http://87.117.209.195:8080/house-prices/46850b77-afc3-47f8-b30b-6958a7c0cd37) |
| Sold | 2011-05-27 | £247,995 | Detached | — | £425,011 (to June 2026) | [View](http://87.117.209.195:8080/house-prices/7dbab39c-a285-4bce-9a20-2588087f308e) |

*Today’s value (HPI): adjusted using published house price index trends for the area and property type; not a valuation of the property today.*

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 85 BANKS CRESCENT, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FF | £387,000 | 14/05/2026 | Detached |
| 85 BANKS CRESCENT, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FF | £340,000 | 04/12/2018 | Detached |
| 85 BANKS CRESCENT, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FF | £299,995 | 22/05/2015 | Detached |
| 85 BANKS CRESCENT, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FF | £250,000 | 04/07/2014 | Detached |
| 85 BANKS CRESCENT, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FF | £247,995 | 27/05/2011 | Detached |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [165394844](http://87.117.209.195:8080/listings/33ce7f9)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £387,000 |
| listed | 2025-08-05 | £399,995 |
| sold | 2018-01-01 | £340,000 |
| sold | 2015-01-01 | £299,995 |
| sold | 2014-01-01 | £250,000 |
| sold | 2011-01-01 | £247,995 |

## Sold Comparables

*Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 9 JACKSON WAY, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FG | £595,000 | 26/11/2025 | Detached |
| 40 SUTHERLAND WAY, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2TD | £580,000 | 04/06/2025 | Detached |
| 15 FOX DALE, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2XA | £592,000 | 26/04/2023 | Detached |
| 13 CAMBRIDGE ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1BN | £470,000 | 20/12/2022 | Detached |
| 9 CAMBRIDGE ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1BN | £410,000 | 18/11/2022 | Detached |
| 63 SUTHERLAND WAY, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2TD | £350,000 | 15/11/2022 | Detached |
| 71 SUTHERLAND WAY, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2TD | £820,000 | 14/10/2022 | Detached |
| 111 CASTERTON ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2UF | £385,000 | 05/10/2022 | Detached |
| 10 CAMBRIDGE ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1BN | £327,300 | 05/10/2022 | Detached |
| 12 CAMBRIDGE ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1BN | £560,000 | 30/09/2022 | Detached |
| 51 ELGAR WAY, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1EY | £287,000 | 23/09/2022 | Detached |
| 73 CASTERTON ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2UB | £555,000 | 31/08/2022 | Detached |
| 11 HADDON ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2UW | £380,000 | 30/08/2022 | Detached |
| 7 ROXBURGH ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2XE | £482,100 | 30/06/2022 | Detached |
| 103 CASTERTON ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 2UF | £350,000 | 23/05/2022 | Detached |
| 24 ANCASTER ROAD, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1DG | £375,000 | 11/05/2022 | Detached |
| 9 JACKSON WAY, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FG | £595,000 | 25/04/2022 | Detached |
| 5 JACKSON WAY, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FG | £615,000 | 24/02/2022 | Detached |
| 91 BANKS CRESCENT, STAMFORD, SOUTH KESTEVEN, LINCOLNSHIRE, PE9 1FF | £395,000 | 29/09/2021 | Detached |

**Area average:** £480,179 (19 sales)

## Capital growth trend

*Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.*

- **5y growth:** -24.1%
- **10y growth:** -28.3%

## House Price Index (HM Land Registry)

*Official index for South Kesteven; Detached series; as of June 2026.*

- **1y growth (index):** 1.6%
- **5y growth (index):** 13.7%
- **10y growth (index):** 42.1%

## Rental Range

*ONS Price Index of Private Rents (South Kesteven). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £759/mo
- **Realistic:** £843/mo
- **Optimistic:** £927/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Peterborough (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 4 Bed Detached House, Vence Close, PE9 | £2,950/mo | 4 | 0.58 miles | OpenRent |

**Average rent: £2,950/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.76% (weak for cashflow)
- **Max investor price (0.8%):** £368,750
- **Target investor price (1%):** £295,000

*Monthly rent ÷ price. 1%+ = strong, 0.8–1% = okay, <0.8% = weak. Max investor price = rent ÷ 0.8% (Stoke-style target). Target investor price = rent ÷ 1% (strong cashflow band). Based on OpenRent comparables.*

## Rent-driven metrics

*Based on OpenRent comparables (median £2,950/mo).*

- **Gross yield:** 9.1%
- **Cost-to-rent:** 10.9×
- **Monthly cashflow:** £1,106/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 11.8%

*Gross yield = annual rent as % of price (no costs). Cost-to-rent = price ÷ annual rent (from OpenRent comparables); under 14× = strong, 14–16× = acceptable, 17×+ = compressed. Cashflow = rent − mortgage − 10% maintenance − £25/mo compliance; assumes 75% LTV, 3.95% APR (5yr fixed), 25yr term. ROI = annual profit ÷ cash in (deposit + 4% purchase costs).*

## Flood risk

- **Zone:** 1
- **Risk:** Low
- **Source:** Not in Flood Risk Area (no data)

[Check long-term flood risk (GOV.UK)](https://check-long-term-flood-risk.service.gov.uk/postcode)

## Street-level crime

| Category | Count |
|----------|-------|
| Violence and sexual offences | 52 |
| Anti-social behaviour | 29 |
| Criminal damage and arson | 12 |
| Shoplifting | 12 |
| Other theft | 7 |
| Public order | 4 |
| Vehicle crime | 4 |
| Burglary | 3 |
| Other crime | 3 |
| Possession of weapons | 2 |
| Robbery | 2 |
| Bicycle theft | 1 |
| Drugs | 1 |
| Theft from the person | 1 |
| **Total incidents** | **133** |

*Within 1 mile during Jul 2026. Source: data.police.uk (England & Wales).*

## Schools nearby

*Nearest open schools with Ofsted ratings (England). Closed schools are not shown.*

| Name | Type | Distance | Ofsted |
|------|------|----------|--------|
| Malcolm Sargent Primary School | Primary | 0.5 miles | Good — 25 Nov 2019 |
| The Bluecoat School | Primary | 0.6 miles | Requires improvement — 25 May 2022 |
| Stamford St Gilberts Church of England Primary School | Primary | 0.7 miles | Good — 19 Oct 2011 |
| Stamford Welland Academy | Secondary | 0.7 miles | Good — 17 Oct 2021 |
| St Augustine's Catholic Voluntary Academy | Primary | 0.8 miles | Requires improvement — 13 Nov 2022 |