# 39 TROW CLOSE, COTTON END, BEDFORD, MK45 3BF

## Property details

- Slug: `0cb796c` (address key hash: `0cb796cd90c4d4c9189358eeeb48f3dfe436ca80`)
- Postcode: MK45 3BF
- Transactions on record: 1

- Tenure: Freehold
- Property type: Detached
- Bedrooms: 5
- Bathrooms: 3
- Floor area: 163 m²
- EPC rating: C
- Year built: England and Wales: 2003-2006
- Last sold: £542,500 Jan 2026
- Price per m²: £3,328/m²
- Local average: £626,427 (94 sales)
- Street crime: 3 incidents within 1 mile (May 2026)

## Latest sale

- Price: £542,500
- Date: 2026-01-30
- Type: D
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 25/04/2026 — **EXPIRED** (no longer valid for marketing or letting)
- **Current heating cost:** £722/year
- **Est. upgrade cost to C:** £11,560

### Recommendations
- E (£60)
- N (£4,000 - £6,000)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2668-3032-7244-4046-3914)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-30 | £542,500 | Detached | — | £552,498 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4c1b673e-d4c3-d8ea-e063-4704a8c0bf7d) |

*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 |
|---------|-------|------|------|
| 39 TROW CLOSE, COTTON END, BEDFORD, MK45 3BF | £542,500 | 30/01/2026 | Detached |

## Historic listings

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

- Matched listing: [160568105](http://87.117.209.195:8080/listings/7139ed1)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £542,500 |
| listed | 2025-04-11 | £550,000 |
| sold | 2006-01-01 | £385,000 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 45 TROW CLOSE, COTTON END, BEDFORD, MK45 3BF | £535,000 | 17/12/2025 | Detached |
| 17 TROW CLOSE, COTTON END, BEDFORD, MK45 3BF | £412,000 | 07/11/2025 | Detached |
| 4 BELL LANE, COTTON END, BEDFORD, MK45 3AD | £572,500 | 27/01/2023 | Detached |
| 2 TROW CLOSE, COTTON END, BEDFORD, MK45 3BF | £420,000 | 18/07/2022 | Detached |
| 32A WOOD LANE, COTTON END, BEDFORD, MK45 3AN | £460,000 | 10/06/2022 | Detached |
| 16 HERMITAGE GARDENS, COTTON END, BEDFORD, MK45 3AY | £400,000 | 19/05/2022 | Detached |
| 155 HIGH ROAD, COTTON END, BEDFORD, MK45 3BA | £565,000 | 18/02/2022 | Detached |
| 33 TROW CLOSE, COTTON END, BEDFORD, MK45 3BF | £492,500 | 13/01/2022 | Detached |
| 26 HERMITAGE GARDENS, COTTON END, BEDFORD, MK45 3AY | £475,000 | 13/12/2021 | Detached |
| 41 WOOD LANE, COTTON END, BEDFORD, MK45 3AP | £372,500 | 03/12/2021 | Detached |

**Area average:** £470,450 (10 sales)

## Capital growth trend

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

- **5y growth:** 15.8%
- **10y growth:** 27.6%

## House Price Index (HM Land Registry)

*Official index for Bedford; Detached series; as of April 2026.*

- **1y growth (index):** 4.9%
- **5y growth (index):** 21.7%
- **10y growth (index):** 43.1%

## Rental Range

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

- **Low:** £1,051/mo
- **Realistic:** £1,168/mo
- **Optimistic:** £1,285/mo

## LHA (Local Housing Allowance)

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

## Rental Comparables

*Residential lets in the area (all bedroom counts shown — none matched the 5-bedroom count for this property). Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 1 Bed Flat, Trow Close, MK45 | £975/mo | 1 | 0 miles | OpenRent |
| 3 Bed Terraced House, Trow Close, MK45 | £3,500/mo | 3 | 0 miles | OpenRent |
| 3 Bed Semi-Detached House, Blakes Boulevard, MK42 | £1,800/mo | 3 | 1.13 miles | OpenRent |
| 3 Bed Semi-Detached House, Cackett Way, MK42 | £1,750/mo | 3 | 1.14 miles | OpenRent |
| 4 Bed Detached House, De Havilland Avenue, MK42 | £4,300/mo | 4 | 1.16 miles | OpenRent |
| 3 Bed Semi-Detached House, Scott Avenue, MK42 | £1,700/mo | 3 | 1.21 miles | OpenRent |

**Average rent: £2,338/mo (6 listings)**

## 1% Rule

- **Rent ratio:** 0.33% (weak for cashflow)
- **Max investor price (0.8%):** £221,875
- **Target investor price (1%):** £177,500

*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

- **This street:** 5.6% gross yield (avg £480,400 sale, £2,237/mo rent)
*Based on OpenRent comparables (median £1,775/mo).*

- **Gross yield:** 3.9%
- **Cost-to-rent:** 25.5×
- **Monthly cashflow:** £-564/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -4.3%

*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 | 2 |
| Anti-social behaviour | 1 |
| **Total incidents** | **3** |

*Within 1 mile during May 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 |
|------|------|----------|--------|
| Cotton End Forest School | Primary | 0.1 miles | Requires improvement — 19 Mar 2023 |
| Shortstown Primary School | Primary | 1.3 miles | Good — 21 Nov 2021 |
| Wilstead Primary School | Primary | 1.6 miles | Good — 26 Nov 2023 |
| Lakeview School | Primary | 1.7 miles | Good — 27 Nov 2022 |
| Haynes Lower School | Primary | 2.1 miles | Good — 24 Sep 2023 |