# 67 SOVEREIGNS QUAY, BEDFORD, MK40 1TF

## Property details

- Slug: `4a36f67` (address key hash: `4a36f67a929364a2bc08b7e484cf2acbd1aa366c`)
- Postcode: MK40 1TF
- Transactions on record: 3

- Tenure: Leasehold
- Property type: Flat
- Floor area: 77 m²
- EPC rating: C
- Year built: England and Wales: 1991-1995
- Last sold: £240,000 Feb 2026
- Price per m²: £3,117/m²
- Local average: £180,557 (44 sales)
- Street crime: 678 incidents within 1 mile (Apr 2026)

## Latest sale

- Price: £240,000
- Date: 2026-02-06
- Type: F
- Tenure: L

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 29/07/2035
- **Current heating cost:** £498/year

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/7803-3053-6203-9815-2204)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-06 | £240,000 | Flat | +5.3% | £240,724 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/4c1b673e-d403-d8ea-e063-4704a8c0bf7d) |
| Sold | 2019-09-30 | £228,000 | Flat | +16.9% | £256,822 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/965b6d90-fcbb-95e4-e053-6c04a8c07729) |
| Sold | 2016-03-21 | £195,000 | Flat | — | £251,110 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/31fb4c16-d3c1-57b9-e050-a8c063053436) |

*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 |
|---------|-------|------|------|
| 67 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £240,000 | 06/02/2026 | Flat |
| 67 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £228,000 | 30/09/2019 | Flat |
| 67 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £195,000 | 21/03/2016 | Flat |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| CROWN QUAY FLAT 64 PREBEND STREET, BEDFORD, MK40 1BN | £258,000 | 07/11/2025 | Flat |
| CROWN QUAY FLAT 74 PREBEND STREET, BEDFORD, MK40 1BN | £180,000 | 15/08/2025 | Flat |
| 74 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £190,000 | 14/12/2023 | Flat |
| 4 HERON QUAY, BEDFORD, MK40 1TH | £153,000 | 31/10/2023 | Flat |
| 38 HERON QUAY, BEDFORD, MK40 1TH | £190,000 | 25/08/2023 | Flat |
| 85 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £175,000 | 05/04/2023 | Flat |
| CROWN QUAY FLAT 92 PREBEND STREET, BEDFORD, MK40 1BN | £140,000 | 24/03/2023 | Flat |
| 48 HERON QUAY, BEDFORD, MK40 1TH | £185,000 | 06/01/2023 | Flat |
| 61 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £175,000 | 21/12/2022 | Flat |
| 46 HERON QUAY, BEDFORD, MK40 1TH | £180,000 | 21/10/2022 | Flat |
| 76 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £187,500 | 31/08/2022 | Flat |
| 45 HERON QUAY, BEDFORD, MK40 1TH | £176,000 | 01/07/2022 | Flat |
| 35 HERON QUAY, BEDFORD, MK40 1TH | £190,000 | 10/06/2022 | Flat |
| 15 HERON QUAY, BEDFORD, MK40 1TH | £180,000 | 27/05/2022 | Flat |
| CROWN QUAY FLAT 63 PREBEND STREET, BEDFORD, MK40 1BN | £175,000 | 27/05/2022 | Flat |
| 45 SOVEREIGNS QUAY, BEDFORD, MK40 1TE | £210,000 | 19/05/2022 | Flat |
| 18 HERON QUAY, BEDFORD, MK40 1TH | £225,000 | 13/05/2022 | Flat |
| 80 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £225,000 | 22/04/2022 | Flat |
| 87 SOVEREIGNS QUAY, BEDFORD, MK40 1TF | £210,000 | 28/02/2022 | Flat |
| CROWN QUAY FLAT 73 PREBEND STREET, BEDFORD, MK40 1BN | £157,000 | 03/02/2022 | Flat |

**Area average:** £188,075 (20 sales)

## Capital growth trend

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

- **5y growth:** 18.9%
- **10y growth:** 27%

## House Price Index (HM Land Registry)

*Official index for Bedford; Flats and maisonettes series; as of March 2026.*

- **1y growth (index):** 1%
- **5y growth (index):** 8.6%
- **10y growth (index):** 28.8%

## Rental Range

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

- **Low:** £1,049/mo
- **Realistic:** £1,166/mo
- **Optimistic:** £1,283/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Bedford (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 |
|------|------|------|------|------|
| 2 Bed Flat, Western St, MK40 | £2,390/mo | 2 | 0.09 miles | OpenRent |
| 2 Bed Flat, Palgrave Road, MK42 | £2,500/mo | 2 | 0.29 miles | OpenRent |
| Studio Flat, St. Mary's Street, MK42 | £1,100/mo | 1 | 0.29 miles | OpenRent |
| 1 Bed Flat, St. Pauls Square, MK40 | £950/mo | 1 | 0.31 miles | OpenRent |
| 2 Bed Flat, Merchants Court, MK42 | £1,200/mo | 2 | 0.32 miles | OpenRent |
| 4 Bed Detached House, Ram Yard, MK40 | £2,400/mo | 4 | 0.39 miles | OpenRent |
| Studio Flat, Endsleigh Road, MK42 | £700/mo | 1 | 0.4 miles | OpenRent |
| 1 Bed Flat, Philip Larkin House, MK40 | £850/mo | 1 | 0.41 miles | OpenRent |
| 2 Bed Flat, Endsleigh Road, MK42 | £1,000/mo | 2 | 0.43 miles | OpenRent |
| 2 Bed Flat, Bromham Road, MK40 | £2,380/mo | 2 | 0.5 miles | OpenRent |
| 2 Bed Flat, St Peters Street, MK40 | £3,200/mo | 2 | 0.53 miles | OpenRent |
| 1 Bed Flat, Tavistock Street, MK40 | £800/mo | 1 | 0.55 miles | OpenRent |
| 1 Bed Flat, Warwick Avenue, MK40 | £1,000/mo | 1 | 0.59 miles | OpenRent |
| 2 Bed Flat, Shakespeare Road, MK40 | £1,145/mo | 2 | 0.6 miles | OpenRent |

**Average rent: £1,544/mo (14 listings)**

## 1% Rule

- **Rent ratio:** 0.47% (weak for cashflow)
- **Max investor price (0.8%):** £140,375
- **Target investor price (1%):** £112,300

*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 £1,123/mo).*

- **Gross yield:** 5.6%
- **Cost-to-rent:** 17.8×
- **Monthly cashflow:** £41/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 0.7%

*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 | 228 |
| Anti-social behaviour | 108 |
| Shoplifting | 98 |
| Public order | 49 |
| Criminal damage and arson | 35 |
| Vehicle crime | 33 |
| Other theft | 30 |
| Drugs | 22 |
| Burglary | 16 |
| Other crime | 15 |
| Robbery | 15 |
| Bicycle theft | 12 |
| Possession of weapons | 10 |
| Theft from the person | 7 |
| **Total incidents** | **678** |

*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 |
|------|------|----------|--------|
| Bedford College | Other | 0.2 miles | — (No rating) |
| Bedford Free School | Secondary | 0.3 miles | Outstanding — 23 Mar 2020 |
| Priory Primary School | Primary | 0.3 miles | — (Inspected (no overall grade)) |
| Peter Pan Nursery School | Nursery | 0.5 miles | Outstanding — 5 Mar 2013 |
| Bedford Girls' School | Other | 0.5 miles | — (No rating) |