# 45 CHAPEL STREET, STOKE-ON-TRENT, ST2 9AT

## Property details

- Slug: `39efe6d` (address key hash: `39efe6d5d0c83c142651997f6c3fc3a819bbe0e0`)
- Postcode: ST2 9AT
- Transactions on record: 2

- Tenure: Freehold
- Property type: Terraced
- Floor area: 76 m²
- EPC rating: D
- Year built: England and Wales: before 1900
- Last sold: £89,000 Feb 2021
- Price per m²: £1,171/m²
- Local average: £146,533 (18 sales)
- Street crime: 211 incidents within 1 mile (Apr 2026)

## Latest sale

- Price: £89,000
- Date: 2021-02-08
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 22/01/2023 — **EXPIRED** (no longer valid for marketing or letting)
- **Current heating cost:** £727/year
- **Est. upgrade cost to C:** £28,140

### Recommendations
- A (£100 - £350)
- B (£500 - £1500)
- Q (£4000 - £14000)
- W (£800 - £1200)
- E (£15.00)
- G (£350 - £450)
- N (£4000 - £6000)
- U (£9000 - £14000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/2778-3060-7249-0547-5934)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2021-02-08 | £89,000 | Terraced | +474.2% | £113,516 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/c18f412b-3977-81a6-e053-6b04a8c0ad18) |
| Sold | 2000-11-16 | £15,500 | Terraced | — | £70,876 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/54596faa-2f4b-42bf-ae1f-47bae5072092) |

*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 |
|---------|-------|------|------|
| 45 CHAPEL STREET, STOKE-ON-TRENT, ST2 9AT | £89,000 | 08/02/2021 | Terraced |
| 45 CHAPEL STREET, STOKE-ON-TRENT, ST2 9AT | £15,500 | 16/11/2000 | Terraced |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 41 CHAPEL STREET, STOKE-ON-TRENT, ST2 9AT | £113,100 | 20/03/2026 | Terraced |
| 362 WERRINGTON ROAD, STOKE-ON-TRENT, ST2 9AX | £92,000 | 23/01/2026 | Terraced |
| 318 WERRINGTON ROAD, STOKE-ON-TRENT, ST2 9AU | £100,000 | 27/11/2025 | Terraced |
| 9 CHAPEL STREET, STOKE-ON-TRENT, ST2 9AT | £95,005 | 29/06/2023 | Terraced |
| 19 GUY STREET, STOKE-ON-TRENT, ST2 9BB | £60,000 | 12/05/2023 | Terraced |
| 4 GUY STREET, STOKE-ON-TRENT, ST2 9BB | £85,500 | 20/12/2022 | Terraced |
| 220A WERRINGTON ROAD, STOKE-ON-TRENT, ST2 9AW | £151,000 | 20/12/2022 | Terraced |
| 316 WERRINGTON ROAD, STOKE-ON-TRENT, ST2 9AU | £75,000 | 22/11/2022 | Terraced |
| 31 DEAN STREET, STOKE-ON-TRENT, ST2 8LA | £110,000 | 22/11/2022 | Terraced |
| 7 GLADWYN STREET, STOKE-ON-TRENT, ST2 8JZ | £100,000 | 28/10/2022 | Terraced |
| 10 DORSET CLOSE, STOKE-ON-TRENT, ST2 9AA | £142,000 | 28/07/2022 | Terraced |
| 322 WERRINGTON ROAD, STOKE-ON-TRENT, ST2 9AU | £97,500 | 01/07/2022 | Terraced |
| 284 WERRINGTON ROAD, STOKE-ON-TRENT, ST2 9AU | £97,500 | 15/06/2022 | Terraced |
| 28 EAVES LANE, STOKE-ON-TRENT, ST2 8JX | £130,000 | 06/05/2022 | Terraced |
| 22 LANGFORD ROAD, STOKE-ON-TRENT, ST2 9HA | £127,000 | 19/04/2022 | Terraced |
| 12 EAVES LANE, STOKE-ON-TRENT, ST2 8JX | £125,000 | 31/03/2022 | Terraced |
| 14 PENNELL STREET, STOKE-ON-TRENT, ST2 9BD | £80,500 | 23/03/2022 | Terraced |
| 16 PENNELL STREET, STOKE-ON-TRENT, ST2 9BD | £82,500 | 28/01/2022 | Terraced |
| 9 CHAPEL STREET, STOKE-ON-TRENT, ST2 9AT | £87,500 | 21/01/2022 | Terraced |
| 324 WERRINGTON ROAD, STOKE-ON-TRENT, ST2 9AU | £95,150 | 21/01/2022 | Terraced |

**Area average:** £102,313 (20 sales)

## For sale comparables

*Active for-sale listings within 1 mile, matched to the same property type. Bedroom counts vary — use the Beds column to compare like-for-like.*

| Address | Price | Beds | Type | Distance |
|---------|-------|------|------|----------|
| [Chapel Street, Bucknall, Stoke-on-Trent, ST2](http://87.117.209.195:8080/listings/13f5be0) | £110,000 | 3 | Terraced | 0.03 mi |
| [18 Eaves Lane, Stoke-on-Trent, ST2 8JX](http://87.117.209.195:8080/listings/4f6c739) | £29,000 | 3 | End of terrace | 0.16 mi |
| [Richard Dawson Drive, Bucknall, ST2 8NX](http://87.117.209.195:8080/listings/d04e0ee) | £175,000 | 2 | Town house | 0.23 mi |
| [Ruxley Road, Stoke-On-Trent, ST2 9BS](http://87.117.209.195:8080/listings/abaa510) | £100,000 | 2 | End of terrace | 0.35 mi |
| [Leek Road, Stoke-On-Trent ST2 8DB](http://87.117.209.195:8080/listings/bbcd248) | £102,000 | 3 | Terraced | 0.86 mi |

## Capital growth trend

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

- **5y growth:** 39.6%
- **10y growth:** 49.7%

## House Price Index (HM Land Registry)

*Official index for Stoke-on-Trent; Terraced series; as of March 2026.*

- **1y growth (index):** 1.8%
- **5y growth (index):** 26.4%
- **10y growth (index):** 64.5%

## Rental Range

*ONS Price Index of Private Rents (Stoke-on-Trent). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £637/mo
- **Realistic:** £708/mo
- **Optimistic:** £779/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Staffordshire North (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 |
|------|------|------|------|------|
| [Chapel Street,Bucknall, Stoke-on-Trent](http://87.117.209.195:8080/listings/8893261) | £800/mo | 3 | 0.01 miles | Rightmove |
| [Werrington Road, Stoke-On-Trent, Staffordshire, ST2](http://87.117.209.195:8080/listings/a262d93) | £675/mo | 1 | 0.14 miles | Rightmove |
| [Henry Mason Place, Bucknall](http://87.117.209.195:8080/listings/0f8b372) | £900/mo | 2 | 0.25 miles | Rightmove |
| [Henry Mason Place, Bucknall, Stoke-On-Trent, ST2](http://87.117.209.195:8080/listings/ce4cc70) | £900/mo | 2 | 0.28 miles | Rightmove |
| [Newhouse Road, Stoke-On-Trent, Staffordshire, ST2](http://87.117.209.195:8080/listings/b4d3e4d) | £503/mo | 1 | 0.47 miles | Rightmove |
| 1 Bed Flat, Werrington Road, ST2 | £775/mo | 1 | 0.55 miles | OpenRent |
| [Dividy Road, Stoke-on-trent](http://87.117.209.195:8080/listings/c8c381c) | £875/mo | 2 | 0.63 miles | Rightmove |
| [Ruthin Road, Bentilee, Stoke-On-Trent, ST2](http://87.117.209.195:8080/listings/76dc31e) | £795/mo | 2 | 0.71 miles | Rightmove |
| [Wrenbury Crescent, Stoke-on-Trent, ST2](http://87.117.209.195:8080/listings/346b7d7) | £725/mo | 3 | 0.86 miles | Rightmove |
| [Ubberley Road, Stoke On Trent, ST2](http://87.117.209.195:8080/listings/f24db14) | £850/mo | 3 | 0.93 miles | Rightmove |
| [Leek Road, ST2](http://87.117.209.195:8080/listings/819b65c) | £850/mo | 3 | 0.93 miles | Rightmove |
| [Leek Road,Abbey Hulton, Stoke-on-Trent](http://87.117.209.195:8080/listings/8e5424a) | £725/mo | 2 | 0.94 miles | Rightmove |
| [Hoveringham Drive, STOKE-ON-TRENT](http://87.117.209.195:8080/listings/0b070ac) | £1,100/mo | 3 | 0.99 miles | Rightmove |
| [Housefield Road, ST2](http://87.117.209.195:8080/listings/8d8b306) | £950/mo | 3 | 1.24 miles | Rightmove |

**Average rent: £816/mo (14 listings)**

## 1% Rule

- **Rent ratio:** 0.93% (okay)
- **Max investor price (0.8%):** £103,125
- **Target investor price (1%):** £82,500

*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

- **This street:** 9.7% gross yield (avg £98,535 sale, £800/mo rent)
*Based on OpenRent comparables (median £825/mo).*

- **Gross yield:** 11.1%
- **Cost-to-rent:** 9×
- **Monthly cashflow:** £367/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 17.1%

*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:** 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 | 82 |
| Criminal damage and arson | 36 |
| Anti-social behaviour | 35 |
| Public order | 16 |
| Burglary | 13 |
| Other theft | 9 |
| Shoplifting | 7 |
| Drugs | 6 |
| Vehicle crime | 3 |
| Other crime | 2 |
| Possession of weapons | 1 |
| Robbery | 1 |
| **Total incidents** | **211** |

*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 |
|------|------|----------|--------|
| Kingsland CofE Academy | Primary | 0.0 miles | Good — 13 Mar 2022 |
| Newfriars College | Other | 0.3 miles | — (No rating) |
| Aurora Hanley School | Other | 0.4 miles | Outstanding — 7 Dec 2022 |
| Merit Hospital School and Medical Pupil Referral Unit | Other | 0.4 miles | Good — 7 Jan 2020 |
| Manor Abbey School | Other | 0.5 miles | — (No rating) |