# 20 CHATER DRIVE, SUTTON COLDFIELD, BIRMINGHAM, WEST MIDLANDS, B76 2BJ

## Property details

- Slug: `2c66b45` (address key hash: `2c66b459d17de1f0798fa17e54fb67ee88ebc67a`)
- Postcode: B76 2BJ
- Transactions on record: 2

- Tenure: Freehold
- Property type: Semi-detached
- Bedrooms: 3
- Bathrooms: 2
- Floor area: 74 m²
- EPC rating: C
- Year built: England and Wales: 1991-1995
- Last sold: £336,500 Feb 2026
- Price per m²: £4,547/m²
- Local average: £311,176 (34 sales)
- Street crime: 60 incidents within 1 mile (May 2026)

## Latest sale

- Price: £336,500
- Date: 2026-02-27
- Type: S
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 19/06/2035
- **Current heating cost:** £613/year
- **Est. upgrade cost to C:** £22,000

### Recommendations
- W2 (£5,000 - £10,000)
- N (£4,000 - £7,000)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0380-2040-0560-2925-1121)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-27 | £336,500 | Semi-detached | +236.5% | £343,531 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29d-dda6-8922-e063-4804a8c094d0) |
| Sold | 1999-08-20 | £100,000 | Semi-detached | — | £450,000 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/1bf00e07-915b-4f1c-a033-89349b06d65a) |

*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 |
|---------|-------|------|------|
| 20 CHATER DRIVE, SUTTON COLDFIELD, BIRMINGHAM, WEST MIDLANDS, B76 2BJ | £336,500 | 27/02/2026 | Semi-detached |
| 20 CHATER DRIVE, SUTTON COLDFIELD, BIRMINGHAM, WEST MIDLANDS, B76 2BJ | £100,000 | 20/08/1999 | Semi-detached |

## Historic listings

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

- Matched listing: [167176805](http://87.117.209.195:8080/listings/410e941)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £336,500 |
| listed | 2025-09-19 | £345,000 |
| sold | 1999-01-01 | £100,000 |
| sold | 1996-01-01 | £79,950 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 1 HORSFALL DRIVE, SUTTON COLDFIELD, BIRMINGHAM, WEST MIDLANDS, B76 2BT | £355,000 | 27/11/2025 | Semi-detached |
| 39 HORSFALL DRIVE, SUTTON COLDFIELD, BIRMINGHAM, WEST MIDLANDS, B76 2BT | £385,000 | 07/11/2022 | Semi-detached |
| 20 HORSFALL DRIVE, SUTTON COLDFIELD, BIRMINGHAM, WEST MIDLANDS, B76 2BT | £385,000 | 26/08/2022 | Semi-detached |
| 11 HORSFALL DRIVE, SUTTON COLDFIELD, BIRMINGHAM, WEST MIDLANDS, B76 2BT | £383,000 | 23/08/2022 | Semi-detached |
| 15 LAWNSWOOD, SUTTON COLDFIELD, BIRMINGHAM, WEST MIDLANDS, B76 1TW | £430,000 | 25/03/2022 | Semi-detached |
| 25 SWALE ROAD, SUTTON COLDFIELD, BIRMINGHAM, WEST MIDLANDS, B76 2BH | £355,000 | 07/03/2022 | Semi-detached |
| 45 HORSFALL DRIVE, SUTTON COLDFIELD, BIRMINGHAM, WEST MIDLANDS, B76 2BT | £240,000 | 28/02/2022 | Semi-detached |
| 13 HORSFALL DRIVE, SUTTON COLDFIELD, BIRMINGHAM, WEST MIDLANDS, B76 2BT | £275,000 | 20/12/2021 | Semi-detached |

**Area average:** £351,000 (8 sales)

## For sale comparables

*Active for-sale listings within 1 mile, matched to the same property type and bedroom count.*

| Address | Price | Beds | Type | Distance |
|---------|-------|------|------|----------|
| [Berryfields Road, Walmley, Sutton Coldfield, B76](http://87.117.209.195:8080/listings/6c472d1) | £315,000 | 3 | Semi-detached | 0.85 mi |

## Capital growth trend

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

- **5y growth:** 4%
- **10y growth:** 33.1%

## House Price Index (HM Land Registry)

*Official index for Birmingham; Semi-detached series; as of April 2026.*

- **1y growth (index):** 1.9%
- **5y growth (index):** 19.2%
- **10y growth (index):** 60.8%

## Rental Range

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

- **Low:** £979/mo
- **Realistic:** £1,088/mo
- **Optimistic:** £1,197/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Birmingham (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 |
|------|------|------|------|------|
| 3 Bed Semi-Detached House, Plants Brook Road, B76 | £1,450/mo | 3 | 0.94 miles | OpenRent |
| 3 Bed Semi-Detached House, Plants Brook Road, B76 | £1,750/mo | 3 | 1.03 miles | OpenRent |
| 3 Bed Semi-Detached House, Walsh Drive, B76 | £1,400/mo | 3 | 1.09 miles | OpenRent |

**Average rent: £1,533/mo (3 listings)**

## 1% Rule

- **Rent ratio:** 0.43% (weak for cashflow)
- **Max investor price (0.8%):** £181,250
- **Target investor price (1%):** £145,000

*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 £1,450/mo).*

- **Gross yield:** 5.2%
- **Cost-to-rent:** 19.3×
- **Monthly cashflow:** £-45/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -0.6%

*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:** 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 | 28 |
| Burglary | 7 |
| Anti-social behaviour | 6 |
| Public order | 6 |
| Vehicle crime | 5 |
| Criminal damage and arson | 3 |
| Other theft | 2 |
| Drugs | 1 |
| Other crime | 1 |
| Possession of weapons | 1 |
| **Total incidents** | **60** |

*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 |
|------|------|----------|--------|
| The Deanery Church of England Primary School | Primary | 0.4 miles | — (Inspected (no overall grade)) |
| The Shrubbery School Ltd | Other | 0.6 miles | — (No rating) |
| Walmley Junior School | Primary | 0.7 miles | — (Inspected (no overall grade)) |
| Walmley Infant School | Primary | 0.7 miles | Good — 19 Dec 2013 |
| Holy Cross Catholic Primary School | Primary | 0.8 miles | Good — 16 May 2013 |

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #3449317
- **Address:** 20 Chater Drive, SUTTON COLDFIELD, B76 2BJ
- **Certificate Issued:** 31/01/2006
- **Work Completed:** 13/12/2005
- **Items:** 9 window(s), 2 door(s)