# 5 BERNARD CLOSE, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HL

## Property details

- Slug: `27ae20d` (address key hash: `27ae20dfc31d8a47e6b2014313a455a1ed135d44`)
- Postcode: LU5 4HL
- Transactions on record: 4

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 2
- Bathrooms: 1
- Floor area: 66 m²
- EPC rating: C
- Year built: England and Wales: 1950-1966
- Last sold: £325,000 Mar 2026
- Price per m²: £4,924/m²
- Local average: £291,940 (57 sales)
- Street crime: 218 incidents within 1 mile (Jun 2026)

## Latest sale

- Price: £325,000
- Date: 2026-03-09
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** B
- **Expiry date:** 18/10/2031
- **Current heating cost:** £445/year
- **Est. upgrade cost to C:** £14,500

### Recommendations
- W2 (£4,000 - £6,000)
- 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/2180-9100-8090-4093-1891)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-03-09 | £325,000 | Terraced | +1.6% | £319,672 (to May 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29c-d10d-8922-e063-4804a8c094d0) |
| Sold | 2022-03-18 | £320,000 | Terraced | +28% | £354,013 (to May 2026) | [View](http://87.117.209.195:8080/house-prices/e53edd2d-5151-83ec-e053-6b04a8c03a59) |
| Sold | 2016-12-06 | £250,000 | Terraced | +56.3% | £317,955 (to May 2026) | [View](http://87.117.209.195:8080/house-prices/47844c7f-60bf-8986-e050-a8c063056488) |
| Sold | 2011-08-19 | £159,995 | Terraced | — | £302,213 (to May 2026) | [View](http://87.117.209.195:8080/house-prices/684cc6ce-96fc-4164-8f5a-4c5c6b105fdd) |

*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 |
|---------|-------|------|------|
| 5 BERNARD CLOSE, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HL | £325,000 | 09/03/2026 | Terraced |
| 5 BERNARD CLOSE, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HL | £320,000 | 18/03/2022 | Terraced |
| 5 BERNARD CLOSE, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HL | £250,000 | 06/12/2016 | Terraced |
| 5 BERNARD CLOSE, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HL | £159,995 | 19/08/2011 | Terraced |

## Historic listings

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

- Matched listing: [168129524](http://87.117.209.195:8080/listings/719d2a1)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £325,000 |
| listed | 2025-10-12 | £330,000 |
| sold | 2022-01-01 | £320,000 |
| sold | 2016-01-01 | £250,000 |
| sold | 2011-01-01 | £159,995 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 37 BAGSHAWE WAY, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4FJ | £360,000 | 15/12/2025 | Terraced |
| 35 FAUNA FIELD, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4FP | £320,000 | 12/12/2025 | Terraced |
| 51 ST PETERS ROAD, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HY | £271,000 | 08/08/2025 | Terraced |
| 12 KINGSCROFT AVENUE, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HQ | £354,000 | 30/06/2025 | Terraced |
| 45 ST PETERS ROAD, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HY | £230,000 | 24/11/2023 | Terraced |
| 15 BIGTHAN ROAD, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HX | £325,000 | 25/05/2023 | Terraced |
| 27 BAGSHAWE WAY, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4FJ | £287,000 | 18/11/2022 | Terraced |
| 77 BAGSHAWE WAY, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4FJ | £405,000 | 18/11/2022 | Terraced |
| 29 ST PETERS ROAD, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HY | £277,500 | 14/10/2022 | Terraced |
| 16 BERNARD CLOSE, DUNSTABLE, BEDFORD, LU5 4HL | £330,000 | 29/09/2022 | Terraced |
| 16 ALFRED STREET, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HZ | £305,000 | 26/08/2022 | Terraced |
| 35 BAGSHAWE WAY, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4FJ | £325,000 | 08/07/2022 | Terraced |
| 26 ALFRED STREET, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HZ | £295,000 | 11/04/2022 | Terraced |
| 77 TILLING GREEN, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4FL | £201,950 | 18/03/2022 | Terraced |
| 7 DUKEMINSTER ROAD, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4FF | £330,000 | 25/02/2022 | Terraced |
| 40 ALFRED STREET, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HZ | £290,000 | 10/01/2022 | Terraced |
| 71 TILLING GREEN, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4FL | £198,950 | 23/12/2021 | Terraced |
| 69 ST PETERS ROAD, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HY | £325,000 | 17/12/2021 | Terraced |
| 9 ST PETERS ROAD, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HY | £377,000 | 30/09/2021 | Terraced |
| 33 ALFRED STREET, DUNSTABLE, CENTRAL BEDFORDSHIRE, LU5 4HZ | £282,000 | 30/09/2021 | Terraced |

**Area average:** £304,470 (20 sales)

## Capital growth trend

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

- **5y growth:** 20.4%
- **10y growth:** 37.7%

## House Price Index (HM Land Registry)

*Official index for Central Bedfordshire; Terraced series; as of May 2026.*

- **1y growth (index):** 2%
- **5y growth (index):** 17%
- **10y growth (index):** 31.4%

## Rental Range

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

- **Low:** £1,125/mo
- **Realistic:** £1,250/mo
- **Optimistic:** £1,375/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Luton (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 |
|------|------|------|------|------|
| 2 Bed Flat, Eastgate Court, LU5 | £1,195/mo | 2 | 0.11 miles | OpenRent |
| 2 Bed Flat, Queens Court, LU5 | £1,100/mo | 2 | 0.15 miles | OpenRent |
| 2 Bed Flat, Church Street, LU5 | £1,350/mo | 2 | 0.16 miles | OpenRent |
| 2 Bed Flat, High St South, LU6 | £1,250/mo | 2 | 0.24 miles | OpenRent |

**Average rent: £1,224/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.38% (weak for cashflow)
- **Max investor price (0.8%):** £152,875
- **Target investor price (1%):** £122,300

*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 £1,223/mo).*

- **Gross yield:** 4.5%
- **Cost-to-rent:** 22.2×
- **Monthly cashflow:** £-204/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -2.6%

*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:** Job (default Low)

[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 | 70 |
| Anti-social behaviour | 29 |
| Shoplifting | 27 |
| Vehicle crime | 26 |
| Criminal damage and arson | 14 |
| Public order | 14 |
| Other theft | 12 |
| Burglary | 7 |
| Drugs | 6 |
| Other crime | 6 |
| Robbery | 3 |
| Possession of weapons | 2 |
| Theft from the person | 2 |
| **Total incidents** | **218** |

*Within 1 mile during Jun 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 |
|------|------|----------|--------|
| Priory Academy | Other | 0.2 miles | Good — 18 Sep 2017 |
| Dunstable Icknield Lower School | Primary | 0.5 miles | Requires improvement — 3 Apr 2024 |
| Watling Lower School | Primary | 0.5 miles | Good — 19 Nov 2015 |
| Hadrian Academy | Primary | 0.6 miles | Good — 28 Feb 2018 |
| Willow Nursery School | Nursery | 0.7 miles | Good — 23 Jun 2024 |