Semi-Detached 2 sales on record

34 FINCH ROAD

STANWAY, COLCHESTER, ESSEX, CO3 8DF

£326,000

Location

Map view View on Google Maps View on OpenStreetMap Street View CO3 8DF

Nearby

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

Type	Name	Distance
Bus stop	Wagtail Mews	0.1 miles
Shop	Barber Pod	0.2 miles
Train station	Marks Tey	2.0 miles
Hospital	Oaks Hospital	3.3 miles
University	University Quays	4.5 miles

Property details

Tenure

Freehold

Property type

Semi-detached

Floor area

74 m²

EPC rating

Last sold

£326,000 Jan 2026

Price per m²

£4,405/m²

Local average

£342,657 (41 sales)

Street crime

93 incidents within 1 mile (Apr 2026)

EPC Rating & Upgrade Cost

Current rating: B

Potential rating: A

Inspection date: 31/07/2019

Current heating cost: £196/year

Potential heating cost: £196/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	23/01/2026	£326,000	Semi-detached	+10.5%	£329,364 to March 2026	View transaction
Sold	23/08/2019	£295,000	Semi-detached	—	£346,705 to March 2026	View transaction

Historic listings

No historic listing events could be matched to the sales on record for this address. We only show events where a listing page could be linked to a Land Registry sale here.

Sold comparables

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

Address	Price	Date	Type
34 CHRISTOPHER GARNETT CHASE, STANWAY, COLCHESTER, ESSEX, CO3 8BP	£355,000	05/12/2025	Semi-detached
13 MARTIN HUNT DRIVE, STANWAY, COLCHESTER, ESSEX, CO3 8BL	£361,500	05/12/2025	Semi-detached
14 ALLEN ALDRIDGE GROVE, STANWAY, COLCHESTER, ESSEX, CO3 8BT	£312,500	07/11/2025	Semi-detached
1 STONECHAT DRIVE, STANWAY, COLCHESTER, ESSEX, CO3 8PN	£144,000	18/12/2023	Semi-detached
13 BLACKBIRD CLOSE, STANWAY, COLCHESTER, ESSEX, CO3 8BG	£325,000	20/10/2023	Semi-detached
20 CHURCH LANE, STANWAY, COLCHESTER, ESSEX, CO3 8LP	£400,000	02/08/2023	Semi-detached
6 SKYLARK WAY, STANWAY, COLCHESTER, ESSEX, CO3 8DG	£362,500	30/01/2023	Semi-detached
6 FINCH ROAD, STANWAY, COLCHESTER, ESSEX, CO3 8DF	£325,000	21/12/2022	Semi-detached
13 NUTHATCH CHASE, STANWAY, COLCHESTER, ESSEX, CO3 8AN	£390,000	19/12/2022	Semi-detached
5 ALLEN ALDRIDGE GROVE, STANWAY, COLCHESTER, ESSEX, CO3 8BT	£355,000	20/10/2022	Semi-detached
14 FINCH ROAD, STANWAY, COLCHESTER, ESSEX, CO3 8DF	£460,000	30/09/2022	Semi-detached
29 ALLEN ALDRIDGE GROVE, STANWAY, COLCHESTER, ESSEX, CO3 8BT	£335,500	26/08/2022	Semi-detached
15 MARTIN HUNT DRIVE, STANWAY, COLCHESTER, ESSEX, CO3 8BL	£361,000	03/08/2022	Semi-detached
19 CHURCH LANE, STANWAY, COLCHESTER, ESSEX, CO3 8LP	£475,000	01/08/2022	Semi-detached
7 FINCH ROAD, STANWAY, COLCHESTER, ESSEX, CO3 8DF	£340,000	22/07/2022	Semi-detached
8 CHRISTOPHER GARNETT CHASE, STANWAY, COLCHESTER, ESSEX, CO3 8BP	£370,000	01/07/2022	Semi-detached
1 ALLEN ALDRIDGE GROVE, STANWAY, COLCHESTER, ESSEX, CO3 8BT	£333,500	12/05/2022	Semi-detached
31 CHRISTOPHER GARNETT CHASE, STANWAY, COLCHESTER, ESSEX, CO3 8BQ	£291,000	08/04/2022	Semi-detached
10 CHURCH LANE, STANWAY, COLCHESTER, ESSEX, CO3 8LP	£360,000	01/04/2022	Semi-detached
38 MARTIN HUNT DRIVE, STANWAY, COLCHESTER, ESSEX, CO3 8AY	£400,000	09/03/2022	Semi-detached

Area average: £352,825 (20 sales)

For sale comparables

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

Capital growth trend

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

5y growth -0.8%

10y growth 20.9%

House Price Index (HM Land Registry — official index, not sold-price averages): Colchester. Series: Semi-detached. As of March 2026.

1y (index) 2.4%

5y (index) 16.8%

10y (index) 38.7%

Rental Range

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

Low £1,095/mo

Realistic £1,217/mo

Optimistic £1,339/mo

Based on Local Authority from postcode lookup → Colchester.

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

Rental Comparables

Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
4 Bed Detached House, Stanway, CO3	£4,650/mo	4	0.35 miles	OpenRent
4 Bed Detached House, Leopard Gardens, CO3	£4,490/mo	4	0.38 miles	OpenRent
4 Bed Detached House, Leopard Gardens, CO3	£4,390/mo	4	0.39 miles	OpenRent
4 Bed Detached House, Meadow Grass Close, CO3	£3,000/mo	4	0.42 miles	OpenRent

Average rent: £4,133/mo (4 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 1.36%

Max investor price (0.8%) £555,000

Target investor price (1%) £444,000

Gross yield 16.3%

Cost-to-rent ratio 6.1×

Monthly cashflow £2,687/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 34.1%

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)

Street-level crime

Category	Count
Violence and sexual offences	31
Anti-social behaviour	21
Shoplifting	14
Criminal damage and arson	10
Public order	8
Drugs	2
Other crime	2
Other theft	2
Burglary	1
Robbery	1
Vehicle crime	1
Total incidents	93

Within 1 mile during Apr 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
Lakelands Primary School	Primary	0.2 miles	Outstanding — 18 Jun 2023
The Stanway School	Secondary	0.5 miles	Good — 22 May 2013
Stanway Primary School	Primary	0.5 miles	Good — 19 Dec 2022
Lexden Springs School	Other	0.6 miles	Inadequate — 24 Apr 2024
Stanway Fiveways Primary School	Primary	0.6 miles	Good — 5 Feb 2023

FENSA

Checking FENSA certificates for this address. Refresh in a few minutes.

# 34 FINCH ROAD, STANWAY, COLCHESTER, ESSEX, CO3 8DF

## Property details

- Slug: `14837dd` (address key hash: `14837dd9c7d1f1c6ffc0cad15a90dca40e3562c0`)
- Postcode: CO3 8DF
- Transactions on record: 2

- Tenure: Freehold
- Property type: Semi-detached
- Floor area: 74 m²
- EPC rating: B
- Last sold: £326,000 Jan 2026
- Price per m²: £4,405/m²
- Local average: £342,657 (41 sales)
- Street crime: 93 incidents within 1 mile (Apr 2026)

## Latest sale

- Price: £326,000
- Date: 2026-01-23
- Type: S
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** B
- **Potential rating:** A
- **Current heating cost:** £196/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/8991-7833-6740-2559-5972)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-23 | £326,000 | Semi-detached | +10.5% | £329,364 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/49e87c32-b59a-591c-e063-4704a8c00c31) |
| Sold | 2019-08-23 | £295,000 | Semi-detached | — | £346,705 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/965b6d90-f22b-95e4-e053-6c04a8c07729) |

*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 |
|---------|-------|------|------|
| 34 FINCH ROAD, STANWAY, COLCHESTER, ESSEX, CO3 8DF | £326,000 | 23/01/2026 | Semi-detached |
| 34 FINCH ROAD, STANWAY, COLCHESTER, ESSEX, CO3 8DF | £295,000 | 23/08/2019 | Semi-detached |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 34 CHRISTOPHER GARNETT CHASE, STANWAY, COLCHESTER, ESSEX, CO3 8BP | £355,000 | 05/12/2025 | Semi-detached |
| 13 MARTIN HUNT DRIVE, STANWAY, COLCHESTER, ESSEX, CO3 8BL | £361,500 | 05/12/2025 | Semi-detached |
| 14 ALLEN ALDRIDGE GROVE, STANWAY, COLCHESTER, ESSEX, CO3 8BT | £312,500 | 07/11/2025 | Semi-detached |
| 1 STONECHAT DRIVE, STANWAY, COLCHESTER, ESSEX, CO3 8PN | £144,000 | 18/12/2023 | Semi-detached |
| 13 BLACKBIRD CLOSE, STANWAY, COLCHESTER, ESSEX, CO3 8BG | £325,000 | 20/10/2023 | Semi-detached |
| 20 CHURCH LANE, STANWAY, COLCHESTER, ESSEX, CO3 8LP | £400,000 | 02/08/2023 | Semi-detached |
| 6 SKYLARK WAY, STANWAY, COLCHESTER, ESSEX, CO3 8DG | £362,500 | 30/01/2023 | Semi-detached |
| 6 FINCH ROAD, STANWAY, COLCHESTER, ESSEX, CO3 8DF | £325,000 | 21/12/2022 | Semi-detached |
| 13 NUTHATCH CHASE, STANWAY, COLCHESTER, ESSEX, CO3 8AN | £390,000 | 19/12/2022 | Semi-detached |
| 5 ALLEN ALDRIDGE GROVE, STANWAY, COLCHESTER, ESSEX, CO3 8BT | £355,000 | 20/10/2022 | Semi-detached |
| 14 FINCH ROAD, STANWAY, COLCHESTER, ESSEX, CO3 8DF | £460,000 | 30/09/2022 | Semi-detached |
| 29 ALLEN ALDRIDGE GROVE, STANWAY, COLCHESTER, ESSEX, CO3 8BT | £335,500 | 26/08/2022 | Semi-detached |
| 15 MARTIN HUNT DRIVE, STANWAY, COLCHESTER, ESSEX, CO3 8BL | £361,000 | 03/08/2022 | Semi-detached |
| 19 CHURCH LANE, STANWAY, COLCHESTER, ESSEX, CO3 8LP | £475,000 | 01/08/2022 | Semi-detached |
| 7 FINCH ROAD, STANWAY, COLCHESTER, ESSEX, CO3 8DF | £340,000 | 22/07/2022 | Semi-detached |
| 8 CHRISTOPHER GARNETT CHASE, STANWAY, COLCHESTER, ESSEX, CO3 8BP | £370,000 | 01/07/2022 | Semi-detached |
| 1 ALLEN ALDRIDGE GROVE, STANWAY, COLCHESTER, ESSEX, CO3 8BT | £333,500 | 12/05/2022 | Semi-detached |
| 31 CHRISTOPHER GARNETT CHASE, STANWAY, COLCHESTER, ESSEX, CO3 8BQ | £291,000 | 08/04/2022 | Semi-detached |
| 10 CHURCH LANE, STANWAY, COLCHESTER, ESSEX, CO3 8LP | £360,000 | 01/04/2022 | Semi-detached |
| 38 MARTIN HUNT DRIVE, STANWAY, COLCHESTER, ESSEX, CO3 8AY | £400,000 | 09/03/2022 | Semi-detached |

**Area average:** £352,825 (20 sales)

## Capital growth trend

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

- **5y growth:** -0.8%
- **10y growth:** 20.9%

## House Price Index (HM Land Registry)

*Official index for Colchester; Semi-detached series; as of March 2026.*

- **1y growth (index):** 2.4%
- **5y growth (index):** 16.8%
- **10y growth (index):** 38.7%

## Rental Range

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

- **Low:** £1,095/mo
- **Realistic:** £1,217/mo
- **Optimistic:** £1,339/mo

## LHA (Local Housing Allowance)

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

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area. Bedroom counts vary — use the Beds column to compare like-for-like lets. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 4 Bed Detached House, Stanway, CO3 | £4,650/mo | 4 | 0.35 miles | OpenRent |
| 4 Bed Detached House, Leopard Gardens, CO3 | £4,490/mo | 4 | 0.38 miles | OpenRent |
| 4 Bed Detached House, Leopard Gardens, CO3 | £4,390/mo | 4 | 0.39 miles | OpenRent |
| 4 Bed Detached House, Meadow Grass Close, CO3 | £3,000/mo | 4 | 0.42 miles | OpenRent |

**Average rent: £4,133/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 1.36% (strong)
- **Max investor price (0.8%):** £555,000
- **Target investor price (1%):** £444,000

*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 £4,440/mo).*

- **Gross yield:** 16.3%
- **Cost-to-rent:** 6.1×
- **Monthly cashflow:** £2,687/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 34.1%

*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 | 31 |
| Anti-social behaviour | 21 |
| Shoplifting | 14 |
| Criminal damage and arson | 10 |
| Public order | 8 |
| Drugs | 2 |
| Other crime | 2 |
| Other theft | 2 |
| Burglary | 1 |
| Robbery | 1 |
| Vehicle crime | 1 |
| **Total incidents** | **93** |

*Within 1 mile during Apr 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 |
|------|------|----------|--------|
| Lakelands Primary School | Primary | 0.2 miles | Outstanding — 18 Jun 2023 |
| The Stanway School | Secondary | 0.5 miles | Good — 22 May 2013 |
| Stanway Primary School | Primary | 0.5 miles | Good — 19 Dec 2022 |
| Lexden Springs School | Other | 0.6 miles | Inadequate — 24 Apr 2024 |
| Stanway Fiveways Primary School | Primary | 0.6 miles | Good — 5 Feb 2023 |