Terraced

38 LOVELL ROAD

BEDFORD, MK42 0LR

£242,000

Location

Map view View on Google Maps View on OpenStreetMap Street View MK42 0LR

Nearby

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

Type	Name	Distance
Bus stop	Unknown	0.1 miles
Shop	The Bookies	0.1 miles
Train station	Bedford St Johns	1.2 miles
Hospital	Bedford Hospital SDEC - Same Day Emergency Care	1.3 miles

Property details

Tenure

Freehold

Property type

Terraced

Last sold

£242,000 Jan 2026

Local average

£284,039 (45 sales)

Street crime

216 incidents within 1 mile (Apr 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	23/01/2026	£242,000	Terraced	—	£247,100 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
125 HARROWDEN ROAD, BEDFORD, MK42 0RT	£265,000	12/12/2025	Terraced
43 WINCHESTER ROAD, BEDFORD, MK42 0SA	£325,000	05/12/2025	Terraced
96 ALBURGH CLOSE, BEDFORD, MK42 0HF	£190,000	28/11/2025	Terraced
22 LOVELL ROAD, BEDFORD, MK42 0LR	£288,000	07/11/2025	Terraced
62 REDDALL CLOSE, BEDFORD, MK42 0LY	£290,000	18/09/2025	Terraced
22 ALBURGH CLOSE, BEDFORD, MK42 0HE	£268,000	21/02/2025	Terraced
27 LOVELL ROAD, BEDFORD, MK42 0LR	£282,500	25/08/2023	Terraced
1 WORCESTER ROAD, BEDFORD, MK42 0RY	£260,000	05/04/2023	Terraced
47 WINCHESTER ROAD, BEDFORD, MK42 0SA	£216,000	09/01/2023	Terraced
36 WINCHESTER ROAD, BEDFORD, MK42 0RZ	£300,000	02/12/2022	Terraced
115 WINCHESTER ROAD, BEDFORD, MK42 0SA	£269,250	28/10/2022	Terraced
18 ALBURGH CLOSE, BEDFORD, MK42 0HE	£235,000	05/10/2022	Terraced
43 LOVELL ROAD, BEDFORD, MK42 0LR	£268,000	22/08/2022	Terraced
9 DUCHESS ROAD, BEDFORD, MK42 0SE	£321,000	08/07/2022	Terraced
8 HERBRAND ROAD, BEDFORD, MK42 0SD	£308,555	25/05/2022	Terraced
25 DUCHESS ROAD, BEDFORD, MK42 0SE	£290,000	28/04/2022	Terraced
48 LOVELL ROAD, BEDFORD, MK42 0LR	£280,000	19/04/2022	Terraced
9 WINCHESTER ROAD, BEDFORD, MK42 0SA	£257,500	01/02/2022	Terraced
64 BAMFORD ROAD, BEDFORD, MK42 0NF	£270,000	26/11/2021	Terraced
42 TURNPIKE GARDENS, BEDFORD, MK42 0AJ	£135,000	29/10/2021	Terraced

Area average: £265,940 (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 12.8%

10y growth 30.5%

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

1y (index) 6%

5y (index) 22.5%

10y (index) 50.1%

Rental Range

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

Low £1,049/mo

Realistic £1,166/mo

Optimistic £1,283/mo

Based on Local Authority from postcode lookup → Bedford.

LHA (30th percentile) 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
5 Bed Detached House, Harrowden Road, MK42	£4,100/mo	5	0.14 miles	OpenRent
5 Bed Terraced House, Harrowden Road, MK42	£3,900/mo	5	0.17 miles	OpenRent
1 Bed Flat, Hazelwood Road, MK42	£1,150/mo	1	0.54 miles	OpenRent
Studio Flat, Bedford, MK42	£795/mo	1	0.8 miles	OpenRent

Average rent: £2,486/mo (4 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 1.04%

Max investor price (0.8%) £315,625

Target investor price (1%) £252,500

Gross yield 12.5%

Cost-to-rent ratio 8×

Monthly cashflow £1,294/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 22.1%

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	53
Anti-social behaviour	49
Shoplifting	36
Public order	18
Criminal damage and arson	17
Burglary	12
Other theft	8
Vehicle crime	6
Drugs	5
Other crime	4
Robbery	4
Bicycle theft	3
Possession of weapons	1
Total incidents	216

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
King's Oak Primary School	Primary	0.4 miles	Good — 2 Mar 2022
Bedford Academy	Secondary	0.5 miles	Good — 16 May 2023
Shortstown Primary School	Primary	0.8 miles	Good — 21 Nov 2021
Shackleton Primary School	Primary	0.9 miles	Good — 10 Nov 2021
Cherry Trees Nursery School	Nursery	0.9 miles	Outstanding — 23 Jul 2019

FENSA

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

# 38 LOVELL ROAD, BEDFORD, MK42 0LR

## Property details

- Slug: `7e2747a` (address key hash: `7e2747aa4b6e11081e77e6eca41be19d65a899bb`)
- Postcode: MK42 0LR
- Transactions on record: 1

- Tenure: Freehold
- Property type: Terraced
- Last sold: £242,000 Jan 2026
- Local average: £284,039 (45 sales)
- Street crime: 216 incidents within 1 mile (Apr 2026)

## Latest sale

- Price: £242,000
- Date: 2026-01-23
- Type: T
- Tenure: F

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-23 | £242,000 | Terraced | — | £247,100 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/49e87c31-8ccb-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 |
|---------|-------|------|------|
| 38 LOVELL ROAD, BEDFORD, MK42 0LR | £242,000 | 23/01/2026 | 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 |
|---------|-------|------|------|
| 125 HARROWDEN ROAD, BEDFORD, MK42 0RT | £265,000 | 12/12/2025 | Terraced |
| 43 WINCHESTER ROAD, BEDFORD, MK42 0SA | £325,000 | 05/12/2025 | Terraced |
| 96 ALBURGH CLOSE, BEDFORD, MK42 0HF | £190,000 | 28/11/2025 | Terraced |
| 22 LOVELL ROAD, BEDFORD, MK42 0LR | £288,000 | 07/11/2025 | Terraced |
| 62 REDDALL CLOSE, BEDFORD, MK42 0LY | £290,000 | 18/09/2025 | Terraced |
| 22 ALBURGH CLOSE, BEDFORD, MK42 0HE | £268,000 | 21/02/2025 | Terraced |
| 27 LOVELL ROAD, BEDFORD, MK42 0LR | £282,500 | 25/08/2023 | Terraced |
| 1 WORCESTER ROAD, BEDFORD, MK42 0RY | £260,000 | 05/04/2023 | Terraced |
| 47 WINCHESTER ROAD, BEDFORD, MK42 0SA | £216,000 | 09/01/2023 | Terraced |
| 36 WINCHESTER ROAD, BEDFORD, MK42 0RZ | £300,000 | 02/12/2022 | Terraced |
| 115 WINCHESTER ROAD, BEDFORD, MK42 0SA | £269,250 | 28/10/2022 | Terraced |
| 18 ALBURGH CLOSE, BEDFORD, MK42 0HE | £235,000 | 05/10/2022 | Terraced |
| 43 LOVELL ROAD, BEDFORD, MK42 0LR | £268,000 | 22/08/2022 | Terraced |
| 9 DUCHESS ROAD, BEDFORD, MK42 0SE | £321,000 | 08/07/2022 | Terraced |
| 8 HERBRAND ROAD, BEDFORD, MK42 0SD | £308,555 | 25/05/2022 | Terraced |
| 25 DUCHESS ROAD, BEDFORD, MK42 0SE | £290,000 | 28/04/2022 | Terraced |
| 48 LOVELL ROAD, BEDFORD, MK42 0LR | £280,000 | 19/04/2022 | Terraced |
| 9 WINCHESTER ROAD, BEDFORD, MK42 0SA | £257,500 | 01/02/2022 | Terraced |
| 64 BAMFORD ROAD, BEDFORD, MK42 0NF | £270,000 | 26/11/2021 | Terraced |
| 42 TURNPIKE GARDENS, BEDFORD, MK42 0AJ | £135,000 | 29/10/2021 | Terraced |

**Area average:** £265,940 (20 sales)

## Capital growth trend

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

- **5y growth:** 12.8%
- **10y growth:** 30.5%

## House Price Index (HM Land Registry)

*Official index for Bedford; Terraced series; as of March 2026.*

- **1y growth (index):** 6%
- **5y growth (index):** 22.5%
- **10y growth (index):** 50.1%

## 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 |
|------|------|------|------|------|
| 5 Bed Detached House, Harrowden Road, MK42 | £4,100/mo | 5 | 0.14 miles | OpenRent |
| 5 Bed Terraced House, Harrowden Road, MK42 | £3,900/mo | 5 | 0.17 miles | OpenRent |
| 1 Bed Flat, Hazelwood Road, MK42 | £1,150/mo | 1 | 0.54 miles | OpenRent |
| Studio Flat, Bedford, MK42 | £795/mo | 1 | 0.8 miles | OpenRent |

**Average rent: £2,486/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 1.04% (strong)
- **Max investor price (0.8%):** £315,625
- **Target investor price (1%):** £252,500

*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

*Based on OpenRent comparables (median £2,525/mo).*

- **Gross yield:** 12.5%
- **Cost-to-rent:** 8×
- **Monthly cashflow:** £1,294/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 22.1%

*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 | 53 |
| Anti-social behaviour | 49 |
| Shoplifting | 36 |
| Public order | 18 |
| Criminal damage and arson | 17 |
| Burglary | 12 |
| Other theft | 8 |
| Vehicle crime | 6 |
| Drugs | 5 |
| Other crime | 4 |
| Robbery | 4 |
| Bicycle theft | 3 |
| Possession of weapons | 1 |
| **Total incidents** | **216** |

*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 |
|------|------|----------|--------|
| King's Oak Primary School | Primary | 0.4 miles | Good — 2 Mar 2022 |
| Bedford Academy | Secondary | 0.5 miles | Good — 16 May 2023 |
| Shortstown Primary School | Primary | 0.8 miles | Good — 21 Nov 2021 |
| Shackleton Primary School | Primary | 0.9 miles | Good — 10 Nov 2021 |
| Cherry Trees Nursery School | Nursery | 0.9 miles | Outstanding — 23 Jul 2019 |