Semi-Detached

4 STEPHENS CLOSE

MARGATE, THANET, KENT, CT9 5LZ

£295,000

Location

Map view View on Google Maps View on OpenStreetMap Street View CT9 5LZ

Nearby

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

Type	Name	Distance
Bus stop	Birds Avenue	0.2 miles
Shop	Inner Circle	0.3 miles
Train station	Westgate-on-Sea	0.8 miles
Hospital	Victoria Hospital	10.9 miles

Property details

Tenure

Freehold

Property type

Semi-detached

Floor area

79 m²

EPC rating

Last sold

£295,000 Jan 2026

Price per m²

£3,734/m²

Local average

£322,354 (41 sales)

Street crime

96 incidents within 1 mile (Apr 2026)

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 04/02/2025

Expiry date: 03/02/2035

Current heating cost: £808/year

Potential heating cost: £717/year

Est. upgrade cost to C: £14,725

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

Increase loft insulation to 270 mm (£100 - £350)
Floor insulation (solid floor) (£4,000 - £6,000)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	20/01/2026	£295,000	Semi-detached	—	£296,682 to March 2026	View transaction

Historic listings

No historic listing events could be matched to the sales on record for this address. We only show events where a listing page could be linked to a Land Registry sale here.

Sold comparables

Same street and nearby sales within 0.25 miles (last 5 years). Land Registry Price Paid Data.

Address	Price	Date	Type
50 BIRDS AVENUE, MARGATE, THANET, KENT, CT9 5NE	£225,000	05/12/2025	Semi-detached
16 BROOKE CLOSE, MARGATE, THANET, KENT, CT9 5FQ	£335,000	20/11/2025	Semi-detached
5 LENHAM GARDENS, MARGATE, THANET, KENT, CT9 5LT	£340,000	02/09/2025	Semi-detached
4 KINGFISHER CLOSE, MARGATE, THANET, KENT, CT9 5LU	£290,000	11/12/2023	Semi-detached
12 LEYBOURNE DRIVE, MARGATE, THANET, KENT, CT9 5LQ	£340,000	26/01/2023	Semi-detached
16 BROOKE AVENUE, MARGATE, THANET, KENT, CT9 5NG	£295,000	21/11/2022	Semi-detached
59 BROOKE AVENUE, MARGATE, THANET, KENT, CT9 5NQ	£295,000	07/10/2022	Semi-detached
24 LEYBOURNE DRIVE, MARGATE, THANET, KENT, CT9 5LQ	£340,000	03/10/2022	Semi-detached
2 KINGSTON AVENUE, MARGATE, THANET, KENT, CT9 5NH	£315,000	31/08/2022	Semi-detached
9 WELSDENE ROAD, GARLINGE, MARGATE, THANET, KENT, CT9 5LS	£375,000	26/08/2022	Semi-detached
4 WELSDENE ROAD, GARLINGE, MARGATE, THANET, KENT, CT9 5LS	£425,000	23/08/2022	Semi-detached
19 HIGH STREET, GARLINGE, MARGATE, THANET, KENT, CT9 5LN	£338,700	28/02/2022	Semi-detached
19 STEPHENS CLOSE, MARGATE, THANET, KENT, CT9 5LZ	£305,000	18/02/2022	Semi-detached
24 BROOKE AVENUE, MARGATE, THANET, KENT, CT9 5NG	£298,000	21/12/2021	Semi-detached
4 LENHAM GARDENS, MARGATE, THANET, KENT, CT9 5LT	£290,000	17/09/2021	Semi-detached
28 BROOKE AVENUE, MARGATE, THANET, KENT, CT9 5NQ	£290,000	06/09/2021	Semi-detached
1 BROOKE CLOSE, MARGATE, THANET, KENT, CT9 5FQ	£325,000	20/08/2021	Semi-detached
5 BIRDS AVENUE, MARGATE, THANET, KENT, CT9 5ND	£305,000	06/08/2021	Semi-detached
36 FULHAM AVENUE, MARGATE, THANET, KENT, CT9 5NN	£200,000	28/07/2021	Semi-detached
60 HIGH STREET, GARLINGE, MARGATE, THANET, KENT, CT9 5LW	£198,000	26/07/2021	Semi-detached

Area average: £306,235 (20 sales)

For sale comparables

No active for-sale comparables found within 1 mile for the same property type.

Capital growth trend

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

5y growth 1.6%

10y growth 16.6%

House Price Index (HM Land Registry — official index, not sold-price averages): Thanet. Series: Semi-detached. As of March 2026.

1y (index) -2.8%

5y (index) 6.9%

10y (index) 46.5%

Rental Range

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

Low £997/mo

Realistic £1,108/mo

Optimistic £1,219/mo

Based on Local Authority from postcode lookup → Thanet.

LHA (30th percentile) floor for Thanet: 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 Semi-Detached House, Belmont Road, CT8	£1,100/mo	2	0.51 miles	OpenRent
2 Bed Flat, Essex Road, CT8	£875/mo	2	0.62 miles	OpenRent
2 Bed Flat, Beach Rise, CT8	£1,075/mo	2	0.75 miles	OpenRent
2 Bed Flat, Westcliff Road, CT9	£950/mo	2	0.76 miles	OpenRent
2 Bed Flat, Adrian Square, CT8	£900/mo	2	0.76 miles	OpenRent
2 Bed Flat, Westgate Bay Avenue, CT8	£995/mo	2	0.81 miles	OpenRent

Average rent: £983/mo (6 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.33%

Max investor price (0.8%) £121,625

Target investor price (1%) £97,300

Gross yield 4%

Cost-to-rent ratio 25.3×

Monthly cashflow £-311/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -4.4%

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	27
Anti-social behaviour	18
Criminal damage and arson	15
Other theft	12
Shoplifting	8
Public order	6
Drugs	4
Vehicle crime	3
Burglary	2
Possession of weapons	1
Total incidents	96

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. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Garlinge Primary School and Nursery	Primary	0.3 miles	Good — 15 Jan 2024
Hartsdown Academy	Secondary	0.7 miles	Good — 30 Jan 2022
Cherry Tree	Other	0.7 miles	Outstanding — 16 Oct 2022
St Crispin's Community Primary Infant School	Primary	0.8 miles	Good — 15 Jun 2011
St Saviour's Church of England Junior School	Primary	1.0 miles	Good — 1 Apr 2014

FENSA

Checking FENSA certificates for this address. Refresh in a few minutes.

# 4 STEPHENS CLOSE, MARGATE, THANET, KENT, CT9 5LZ

## Property details

- Slug: `584aa45` (address key hash: `584aa45110ede3c991d7e7bf2a3f4a1f3aec07b3`)
- Postcode: CT9 5LZ
- Transactions on record: 1

- Tenure: Freehold
- Property type: Semi-detached
- Floor area: 79 m²
- EPC rating: D
- Last sold: £295,000 Jan 2026
- Price per m²: £3,734/m²
- Local average: £322,354 (41 sales)
- Street crime: 96 incidents within 1 mile (Apr 2026)

## Latest sale

- Price: £295,000
- Date: 2026-01-20
- Type: S
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 03/02/2035
- **Current heating cost:** £808/year
- **Est. upgrade cost to C:** £14,725

### Recommendations
- A (£100 - £350)
- W2 (£4,000 - £6,000)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0047-3046-1202-1625-4200)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-20 | £295,000 | Semi-detached | — | £296,682 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/49e87c32-03ea-591c-e063-4704a8c00c31) |

*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 |
|---------|-------|------|------|
| 4 STEPHENS CLOSE, MARGATE, THANET, KENT, CT9 5LZ | £295,000 | 20/01/2026 | Semi-detached |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 50 BIRDS AVENUE, MARGATE, THANET, KENT, CT9 5NE | £225,000 | 05/12/2025 | Semi-detached |
| 16 BROOKE CLOSE, MARGATE, THANET, KENT, CT9 5FQ | £335,000 | 20/11/2025 | Semi-detached |
| 5 LENHAM GARDENS, MARGATE, THANET, KENT, CT9 5LT | £340,000 | 02/09/2025 | Semi-detached |
| 4 KINGFISHER CLOSE, MARGATE, THANET, KENT, CT9 5LU | £290,000 | 11/12/2023 | Semi-detached |
| 12 LEYBOURNE DRIVE, MARGATE, THANET, KENT, CT9 5LQ | £340,000 | 26/01/2023 | Semi-detached |
| 16 BROOKE AVENUE, MARGATE, THANET, KENT, CT9 5NG | £295,000 | 21/11/2022 | Semi-detached |
| 59 BROOKE AVENUE, MARGATE, THANET, KENT, CT9 5NQ | £295,000 | 07/10/2022 | Semi-detached |
| 24 LEYBOURNE DRIVE, MARGATE, THANET, KENT, CT9 5LQ | £340,000 | 03/10/2022 | Semi-detached |
| 2 KINGSTON AVENUE, MARGATE, THANET, KENT, CT9 5NH | £315,000 | 31/08/2022 | Semi-detached |
| 9 WELSDENE ROAD, GARLINGE, MARGATE, THANET, KENT, CT9 5LS | £375,000 | 26/08/2022 | Semi-detached |
| 4 WELSDENE ROAD, GARLINGE, MARGATE, THANET, KENT, CT9 5LS | £425,000 | 23/08/2022 | Semi-detached |
| 19 HIGH STREET, GARLINGE, MARGATE, THANET, KENT, CT9 5LN | £338,700 | 28/02/2022 | Semi-detached |
| 19 STEPHENS CLOSE, MARGATE, THANET, KENT, CT9 5LZ | £305,000 | 18/02/2022 | Semi-detached |
| 24 BROOKE AVENUE, MARGATE, THANET, KENT, CT9 5NG | £298,000 | 21/12/2021 | Semi-detached |
| 4 LENHAM GARDENS, MARGATE, THANET, KENT, CT9 5LT | £290,000 | 17/09/2021 | Semi-detached |
| 28 BROOKE AVENUE, MARGATE, THANET, KENT, CT9 5NQ | £290,000 | 06/09/2021 | Semi-detached |
| 1 BROOKE CLOSE, MARGATE, THANET, KENT, CT9 5FQ | £325,000 | 20/08/2021 | Semi-detached |
| 5 BIRDS AVENUE, MARGATE, THANET, KENT, CT9 5ND | £305,000 | 06/08/2021 | Semi-detached |
| 36 FULHAM AVENUE, MARGATE, THANET, KENT, CT9 5NN | £200,000 | 28/07/2021 | Semi-detached |
| 60 HIGH STREET, GARLINGE, MARGATE, THANET, KENT, CT9 5LW | £198,000 | 26/07/2021 | Semi-detached |

**Area average:** £306,235 (20 sales)

## Capital growth trend

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

- **5y growth:** 1.6%
- **10y growth:** 16.6%

## House Price Index (HM Land Registry)

*Official index for Thanet; Semi-detached series; as of March 2026.*

- **1y growth (index):** -2.8%
- **5y growth (index):** 6.9%
- **10y growth (index):** 46.5%

## Rental Range

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

- **Low:** £997/mo
- **Realistic:** £1,108/mo
- **Optimistic:** £1,219/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Thanet (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 Semi-Detached House, Belmont Road, CT8 | £1,100/mo | 2 | 0.51 miles | OpenRent |
| 2 Bed Flat, Essex Road, CT8 | £875/mo | 2 | 0.62 miles | OpenRent |
| 2 Bed Flat, Beach Rise, CT8 | £1,075/mo | 2 | 0.75 miles | OpenRent |
| 2 Bed Flat, Westcliff Road, CT9 | £950/mo | 2 | 0.76 miles | OpenRent |
| 2 Bed Flat, Adrian Square, CT8 | £900/mo | 2 | 0.76 miles | OpenRent |
| 2 Bed Flat, Westgate Bay Avenue, CT8 | £995/mo | 2 | 0.81 miles | OpenRent |

**Average rent: £983/mo (6 listings)**

## 1% Rule

- **Rent ratio:** 0.33% (weak for cashflow)
- **Max investor price (0.8%):** £121,625
- **Target investor price (1%):** £97,300

*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 £973/mo).*

- **Gross yield:** 4%
- **Cost-to-rent:** 25.3×
- **Monthly cashflow:** £-311/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -4.4%

*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 | 27 |
| Anti-social behaviour | 18 |
| Criminal damage and arson | 15 |
| Other theft | 12 |
| Shoplifting | 8 |
| Public order | 6 |
| Drugs | 4 |
| Vehicle crime | 3 |
| Burglary | 2 |
| Possession of weapons | 1 |
| **Total incidents** | **96** |

*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 |
|------|------|----------|--------|
| Garlinge Primary School and Nursery | Primary | 0.3 miles | Good — 15 Jan 2024 |
| Hartsdown Academy | Secondary | 0.7 miles | Good — 30 Jan 2022 |
| Cherry Tree | Other | 0.7 miles | Outstanding — 16 Oct 2022 |
| St Crispin's Community Primary Infant School | Primary | 0.8 miles | Good — 15 Jun 2011 |
| St Saviour's Church of England Junior School | Primary | 1.0 miles | Good — 1 Apr 2014 |