Flats/Maisonettes 2 sales on record

SPENCER COURT 37 BRITANNIA ROAD

BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EY

£68,200

Location

Map view View on Google Maps View on OpenStreetMap Street View OX16 5EY

Nearby

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

Type	Name	Distance
Shop	Damo's Vehicle Repair Centre	0.1 miles
Bus stop	Morrisons	0.1 miles
Train station	Banbury	0.3 miles
Hospital	Horton Midwifery-led Unit	0.4 miles

Property details

Tenure

Leasehold

Property type

Flat

Bedrooms

Bathrooms

Last sold

£68,200 Apr 2026

Local average

£152,485 (33 sales)

Street crime

246 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Fetching EPC data… Refresh this page in a moment.

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	10/04/2026	£68,200	Flat	-21.6%	£68,200 to April 2026	View transaction
Sold	04/07/2014	£87,000	Flat	—	£111,907 to April 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	£68,200
listed	06/08/2025	£70,000
sold	01/01/2014	£87,000
sold	01/01/2002	£79,500
sold	01/01/2001	£84,450

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
SPENCER COURT 67 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EZ	£65,000	16/01/2026	Flat
CHERWELL COURT FLAT 28 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE	£185,000	14/01/2025	Flat
SPENCER COURT 68 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EZ	£112,000	07/11/2023	Flat
SPENCER COURT 55 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EZ	£70,000	05/05/2023	Flat
BRITANNIA WHARF, 26A FLAT 18 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DS	£157,000	05/04/2023	Flat
CHERWELL COURT FLAT 9 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE	£190,000	21/12/2022	Flat
SPENCER COURT 9 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EY	£115,000	24/11/2022	Flat
CHERWELL COURT FLAT 38 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE	£179,950	11/11/2022	Flat
CHERWELL COURT FLAT 41 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE	£190,000	11/11/2022	Flat
SPENCER COURT 34 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EY	£110,000	27/09/2022	Flat
SPENCER COURT 7 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EY	£123,000	23/09/2022	Flat
CHERWELL COURT FLAT 51 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE	£169,000	27/07/2022	Flat
SPENCER COURT 14 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EY	£98,000	13/05/2022	Flat
CHERWELL COURT FLAT 62 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE	£70,000	22/04/2022	Flat
CHERWELL COURT FLAT 6 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE	£180,000	25/02/2022	Flat
SPENCER COURT 19 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EY	£135,000	27/01/2022	Flat
GRAFTON LODGE 13 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5BD	£145,000	07/01/2022	Flat
BRITANNIA WHARF, 26A FLAT 10 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DS	£115,000	07/12/2021	Flat
BRITANNIA WHARF, 26A FLAT 11 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DS	£138,000	15/11/2021	Flat
BRITANNIA WHARF, 26A FLAT 14 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DS	£150,000	22/10/2021	Flat

Area average: £134,848 (20 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 -1.9%

10y growth -5.3%

House Price Index (HM Land Registry — official index, not sold-price averages): Cherwell. Series: Flats and maisonettes. As of April 2026.

1y (index) -1.2%

5y (index) 6.4%

10y (index) 10.5%

Rental Range

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

Low £1,160/mo

Realistic £1,289/mo

Optimistic £1,418/mo

Based on Local Authority from postcode lookup → Cherwell.

LHA (30th percentile) floor for Cherwell Valley: 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
1 Bed Flat, Overthorpe Road, OX17	£1,100/mo	1	1.15 miles	OpenRent

Average rent: £1,100/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 1.61%

Max investor price (0.8%) £137,500

Target investor price (1%) £110,000

Gross yield 19.4%

Cost-to-rent ratio 5.2×

Monthly cashflow £696/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 42.3%

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	91
Anti-social behaviour	40
Shoplifting	26
Public order	24
Other theft	18
Criminal damage and arson	12
Vehicle crime	9
Other crime	8
Drugs	6
Burglary	3
Possession of weapons	3
Robbery	3
Theft from the person	2
Bicycle theft	1
Total incidents	246

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. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
St John's Priory School	Other	0.3 miles	— (No rating)
English Language Training	Other	0.3 miles	— (No rating)
Harriers Banbury Academy	Primary	0.4 miles	Good — 25 Nov 2014
Dashwood Banbury Academy	Primary	0.5 miles	Good — 5 Feb 2014
St Mary's Church of England Primary School, Banbury	Primary	0.5 miles	Good — 5 May 2022

FENSA

No FENSA certificates found for this address.

# SPENCER COURT 37 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EY

## Property details

- Slug: `377a992` (address key hash: `377a99215785bd1d0f225c303dcbbd52a5a7b172`)
- Postcode: OX16 5EY
- Transactions on record: 2

- Tenure: Leasehold
- Property type: Flat
- Bedrooms: 1
- Bathrooms: 1
- Last sold: £68,200 Apr 2026
- Local average: £152,485 (33 sales)
- Street crime: 246 incidents within 1 mile (May 2026)

## Latest sale

- Price: £68,200
- Date: 2026-04-10
- Type: F
- Tenure: L

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-04-10 | £68,200 | Flat | -21.6% | £68,200 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/50d10b84-5016-b8d0-e063-4704a8c08d98) |
| Sold | 2014-07-04 | £87,000 | Flat | — | £111,907 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/16cb38e2-bff0-45b4-9d0a-4e422f2db321) |

*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 |
|---------|-------|------|------|
| SPENCER COURT 37 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EY | £68,200 | 10/04/2026 | Flat |
| SPENCER COURT 37 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EY | £87,000 | 04/07/2014 | Flat |

## Historic listings

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

- Matched listing: [165399809](http://87.117.209.195:8080/listings/ef9ffd1)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £68,200 |
| listed | 2025-08-06 | £70,000 |
| sold | 2014-01-01 | £87,000 |
| sold | 2002-01-01 | £79,500 |
| sold | 2001-01-01 | £84,450 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| SPENCER COURT 67 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EZ | £65,000 | 16/01/2026 | Flat |
| CHERWELL COURT FLAT 28 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE | £185,000 | 14/01/2025 | Flat |
| SPENCER COURT 68 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EZ | £112,000 | 07/11/2023 | Flat |
| SPENCER COURT 55 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EZ | £70,000 | 05/05/2023 | Flat |
| BRITANNIA WHARF, 26A FLAT 18 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DS | £157,000 | 05/04/2023 | Flat |
| CHERWELL COURT FLAT 9 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE | £190,000 | 21/12/2022 | Flat |
| SPENCER COURT 9 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EY | £115,000 | 24/11/2022 | Flat |
| CHERWELL COURT FLAT 38 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE | £179,950 | 11/11/2022 | Flat |
| CHERWELL COURT FLAT 41 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE | £190,000 | 11/11/2022 | Flat |
| SPENCER COURT 34 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EY | £110,000 | 27/09/2022 | Flat |
| SPENCER COURT 7 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EY | £123,000 | 23/09/2022 | Flat |
| CHERWELL COURT FLAT 51 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE | £169,000 | 27/07/2022 | Flat |
| SPENCER COURT 14 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EY | £98,000 | 13/05/2022 | Flat |
| CHERWELL COURT FLAT 62 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE | £70,000 | 22/04/2022 | Flat |
| CHERWELL COURT FLAT 6 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE | £180,000 | 25/02/2022 | Flat |
| SPENCER COURT 19 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5EY | £135,000 | 27/01/2022 | Flat |
| GRAFTON LODGE 13 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5BD | £145,000 | 07/01/2022 | Flat |
| BRITANNIA WHARF, 26A FLAT 10 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DS | £115,000 | 07/12/2021 | Flat |
| BRITANNIA WHARF, 26A FLAT 11 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DS | £138,000 | 15/11/2021 | Flat |
| BRITANNIA WHARF, 26A FLAT 14 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DS | £150,000 | 22/10/2021 | Flat |

**Area average:** £134,848 (20 sales)

## Capital growth trend

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

- **5y growth:** -1.9%
- **10y growth:** -5.3%

## House Price Index (HM Land Registry)

*Official index for Cherwell; Flats and maisonettes series; as of April 2026.*

- **1y growth (index):** -1.2%
- **5y growth (index):** 6.4%
- **10y growth (index):** 10.5%

## Rental Range

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

- **Low:** £1,160/mo
- **Realistic:** £1,289/mo
- **Optimistic:** £1,418/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Cherwell Valley (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 |
|------|------|------|------|------|
| 1 Bed Flat, Overthorpe Road, OX17 | £1,100/mo | 1 | 1.15 miles | OpenRent |

**Average rent: £1,100/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 1.61% (strong)
- **Max investor price (0.8%):** £137,500
- **Target investor price (1%):** £110,000

*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 £1,100/mo).*

- **Gross yield:** 19.4%
- **Cost-to-rent:** 5.2×
- **Monthly cashflow:** £696/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 42.3%

*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 | 91 |
| Anti-social behaviour | 40 |
| Shoplifting | 26 |
| Public order | 24 |
| Other theft | 18 |
| Criminal damage and arson | 12 |
| Vehicle crime | 9 |
| Other crime | 8 |
| Drugs | 6 |
| Burglary | 3 |
| Possession of weapons | 3 |
| Robbery | 3 |
| Theft from the person | 2 |
| Bicycle theft | 1 |
| **Total incidents** | **246** |

*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 |
|------|------|----------|--------|
| St John's Priory School | Other | 0.3 miles | — (No rating) |
| English Language Training | Other | 0.3 miles | — (No rating) |
| Harriers Banbury Academy | Primary | 0.4 miles | Good — 25 Nov 2014 |
| Dashwood Banbury Academy | Primary | 0.5 miles | Good — 5 Feb 2014 |
| St Mary's Church of England Primary School, Banbury | Primary | 0.5 miles | Good — 5 May 2022 |