# 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 41 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE | £190,000 | 11/11/2022 | Flat |
| CHERWELL COURT FLAT 38 BRITANNIA ROAD, BANBURY, CHERWELL, OXFORDSHIRE, OX16 5DE | £179,950 | 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:** -0.8%
- **10y growth:** -5.8%

## 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 |
|------|------|------|------|------|
| [The Studio Annex, Sinclair Avenue, Banbury](http://87.117.209.195:8080/listings/f89f72c) | £800/mo | — | 1.11 miles | Rightmove |
| 1 Bed Flat, Overthorpe Road, OX17 | £1,100/mo | 1 | 1.15 miles | OpenRent |

**Average rent: £950/mo (2 listings)**

## 1% Rule

- **Rent ratio:** 1.39% (strong)
- **Max investor price (0.8%):** £118,750
- **Target investor price (1%):** £95,000

*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 £950/mo).*

- **Gross yield:** 16.7%
- **Cost-to-rent:** 6×
- **Monthly cashflow:** £561/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 | 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 |