# 20 BELL LANE, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4BD

## Property details

- Slug: `7fb0610` (address key hash: `7fb0610ce321d8ffeaa1ea1b4881725a7dfd5893`)
- Postcode: WA9 4BD
- Transactions on record: 1

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 2
- Bathrooms: 1
- Floor area: 77 m²
- EPC rating: D
- Year built: England and Wales: 1900-1929
- Last sold: £57,500 Mar 2026
- Price per m²: £747/m²
- Local average: £115,601 (81 sales)
- Street crime: 69 incidents within 1 mile (Apr 2026)

## Latest sale

- Price: £57,500
- Date: 2026-03-03
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 13/10/2035
- **Current heating cost:** £807/year
- **Est. upgrade cost to C:** £20,550

### Recommendations
- B (£900 - £1,500)
- W1 (£5,000 - £10,000)
- I (£2,200 - £3,500)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/4435-3420-0509-0284-5296)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-03-03 | £57,500 | Terraced | — | £57,500 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29d-7253-8922-e063-4804a8c094d0) |

*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 |
|---------|-------|------|------|
| 20 BELL LANE, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4BD | £57,500 | 03/03/2026 | Terraced |

## Historic listings

Listing activity only where we matched the listing to a Land Registry sale already on record for this address.

- Matched listing: [168522713](http://87.117.209.195:8080/listings/45d6a12)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £57,500 |
| listed | 2025-10-23 | £75,000 |
| sold | 2000-01-01 | £15,000 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 152 CHANDLERS WAY, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4TG | £70,000 | 05/12/2025 | Terraced |
| 134 CHANDLERS WAY, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4TG | £112,000 | 20/12/2023 | Terraced |
| 26 WAYMARK GARDENS, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4SD | £151,000 | 13/11/2023 | Terraced |
| 2 TENNYSON STREET, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4BL | £110,000 | 19/10/2023 | Terraced |
| 44 BELL LANE, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4BD | £173,000 | 07/07/2023 | Terraced |
| 32 BELL LANE, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4BD | £77,000 | 20/06/2023 | Terraced |
| 186 JUBITS LANE, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4RX | £165,000 | 18/10/2022 | Terraced |
| 158 CHANDLERS WAY, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4TG | £140,000 | 30/09/2022 | Terraced |
| 180 JUBITS LANE, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4RX | £175,000 | 26/09/2022 | Terraced |
| 48 FOREST ROAD, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4AY | £83,000 | 15/09/2022 | Terraced |
| 1A FEENEY STREET, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4BJ | £36,000 | 09/09/2022 | Terraced |
| 42 TENNYSON STREET, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4BH | £130,000 | 25/07/2022 | Terraced |
| 160 CHANDLERS WAY, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4TG | £135,000 | 12/04/2022 | Terraced |
| 30 TENNYSON STREET, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4BL | £84,500 | 29/03/2022 | Terraced |
| 46 TENNYSON STREET, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4BH | £97,500 | 18/03/2022 | Terraced |
| 60 CHANDLERS WAY, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4TG | £130,000 | 25/10/2021 | Terraced |
| 136 CHANDLERS WAY, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4TG | £136,000 | 08/10/2021 | Terraced |
| 23 TENNYSON STREET, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4BL | £83,000 | 27/09/2021 | Terraced |
| 55 TENNYSON STREET, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4BH | £88,500 | 17/09/2021 | Terraced |
| 152 CHANDLERS WAY, SUTTON MANOR, ST HELENS, MERSEYSIDE, WA9 4TG | £67,500 | 08/07/2021 | Terraced |

**Area average:** £112,200 (20 sales)

## Capital growth trend

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

- **5y growth:** 16%
- **10y growth:** 34.8%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 4%
- **5y growth (index):** 32.5%
- **10y growth (index):** 80.3%

## Rental Range

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

- **Low:** £704/mo
- **Realistic:** £782/mo
- **Optimistic:** £860/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for St Helens (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets in the area (all bedroom counts shown — none matched the 2-bedroom count for this property). Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 3 Bed Semi-Detached House, Forest Road, WA9 | £1,400/mo | 3 | 0.36 miles | OpenRent |
| 3 Bed Detached House, Walkers Lane, WA9 | £1,400/mo | 3 | 0.5 miles | OpenRent |
| 3 Bed Detached House, Walkers Lane, WA9 | £1,400/mo | 3 | 0.5 miles | OpenRent |
| 3 Bed Terraced House, Bentley Street, WA9 | £800/mo | 3 | 0.64 miles | OpenRent |
| 3 Bed Terraced House, Clock Face Road, WA9 | £895/mo | 3 | 0.88 miles | OpenRent |
| 3 Bed Semi-Detached House, Taunton Avenue, WA9 | £1,195/mo | 3 | 1.21 miles | OpenRent |

**Average rent: £1,182/mo (6 listings)**

## 1% Rule

- **Rent ratio:** 2.26% (strong)
- **Max investor price (0.8%):** £162,250
- **Target investor price (1%):** £129,800

*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 £1,298/mo).*

- **Gross yield:** 27.1%
- **Cost-to-rent:** 3.7×
- **Monthly cashflow:** £917/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 66%

*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 | 28 |
| Anti-social behaviour | 10 |
| Criminal damage and arson | 9 |
| Public order | 7 |
| Drugs | 5 |
| Shoplifting | 4 |
| Vehicle crime | 3 |
| Other crime | 2 |
| Burglary | 1 |
| **Total incidents** | **69** |

*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 |
|------|------|----------|--------|
| Sutton Manor Community Primary School | Primary | 0.2 miles | Good — 29 Jan 2023 |
| Ash Meadow School | Other | 0.5 miles | Good — 20 Sep 2023 |
| St Theresa's Catholic Primary School | Primary | 0.5 miles | Good — 24 Jan 2022 |
| St Bartholomew's Catholic Primary School | Primary | 0.9 miles | Good — 20 Jun 2019 |
| Willow Tree Primary School | Primary | 1.0 miles | Requires improvement — 21 Sep 2022 |