Detached

10 FERN DRIVE

SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GG

£186,000

Location

Map view View on Google Maps View on OpenStreetMap Street View PE11 1GG

Nearby

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

Type	Name	Distance
Hospital	Johnson Community Hospital	0.2 miles
Bus stop	Unknown	0.3 miles
Shop	co-operative	0.4 miles
Train station	Spalding	0.8 miles
University	Boston College Spalding	0.9 miles

Property details

Tenure

Freehold

Property type

Detached

Bedrooms

Bathrooms

Last sold

£186,000 Apr 2002

Local average

£309,310 (115 sales)

Street crime

180 incidents within 1 mile (Aug 2026)

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	18/04/2002	£186,000	Detached	—	£510,294 to July 2026	View transaction

Historic listings

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

Event	Date	Price
sold	01/01/2026	£445,000
listed	14/11/2025	£450,000
sold	01/01/2014	£264,500
sold	01/01/2002	£186,000

Photos · Open listing

Sold comparables

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

Address	Price	Date	Type
10 FERN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GG	£445,000	24/07/2026	Detached
16 BAXTER GARDENS, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3YL	£262,000	18/12/2025	Detached
10 ST HELENA DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1UF	£299,950	18/12/2025	Detached
11 FERN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GG	£435,000	27/11/2025	Detached
187 WOOLRAM WYGATE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3PA	£325,000	26/11/2025	Detached
13 DANIELS REACH, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3HG	£235,000	08/05/2025	Detached
33 LILBURN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3NY	£275,000	31/03/2025	Detached
4 ROSE LEIGH WAY, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GW	£402,500	24/11/2023	Detached
18 LILBURN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3NY	£255,000	27/10/2023	Detached
32 LILBURN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3NY	£296,000	17/10/2023	Detached
4 FLEUR DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GL	£385,000	25/08/2023	Detached
145 WOOLRAM WYGATE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3PA	£180,000	16/06/2023	Detached
3 DANIELS REACH, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3HG	£270,000	16/05/2023	Detached
22 MILES BANK, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3EZ	£590,000	21/12/2022	Detached
29 SHERWOOD DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1QW	£270,000	17/10/2022	Detached
12 SHERWOOD DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1QP	£300,000	14/10/2022	Detached
11 FERN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GG	£378,000	30/09/2022	Detached
166 WOOLRAM WYGATE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3PA	£325,000	22/09/2022	Detached
206 SPALDING ROAD, PINCHBECK, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3PB	£365,000	22/08/2022	Detached
13 ST HELENA DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1UF	£317,500	01/08/2022	Detached

Area average: £330,548 (20 sales)

For sale comparables

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

Capital growth trend

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

5y growth 8.6%

10y growth 41.7%

House Price Index (HM Land Registry — official index, not sold-price averages): South Holland. Series: Detached. As of July 2026.

1y (index) 3.5%

5y (index) 9.9%

10y (index) 36.8%

Rental Range

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

Low £698/mo

Realistic £775/mo

Optimistic £853/mo

Based on Local Authority from postcode lookup → South Holland.

LHA (30th percentile) floor for Lincolnshire Fens: Apr 2025 – Mar 2026

Rental Comparables

Residential lets in the area (all bedroom counts shown — none matched the 5-bedroom count for this property). Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
3 Bed Detached House, Albert Street, PE11	£1,100/mo	3	0.87 miles	OpenRent

Average rent: £1,100/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.59%

Max investor price (0.8%) £137,500

Target investor price (1%) £110,000

Gross yield 7.1%

Cost-to-rent ratio 14.1×

Monthly cashflow £233/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 5.2%

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

Job (default Low)

Registered land (INSPIRE)

This location falls inside an HM Land Registry INSPIRE registered freehold polygon.

Plot: ~4,228 m² (1.04 acres)

Source: HM Land Registry INSPIRE Index Polygons.

Street-level crime

Category	Count
Violence and sexual offences	67
Anti-social behaviour	40
Criminal damage and arson	15
Other theft	14
Public order	14
Shoplifting	11
Vehicle crime	8
Bicycle theft	3
Other crime	3
Drugs	2
Burglary	1
Possession of weapons	1
Robbery	1
Total incidents	180

Within 1 mile during Aug 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
Spalding Primary Academy	Primary	0.5 miles	Good — 19 Mar 2024
St Norbert's Catholic Voluntary Academy	Primary	0.8 miles	Outstanding — 10 Sep 2015
Wygate Park Academy	Primary	0.8 miles	Good — 21 Jul 2017
St Paul's Community Primary and Nursery School, Spalding	Primary	1.0 miles	Good — 8 Sep 2024
The Pinchbeck East Church of England Primary Academy	Primary	1.1 miles	Good — 24 Apr 2024

FENSA

Window and door installation certificates found for this address.

Issued	Work completed	Windows	Doors
01/03/2020	21/02/2020	—	1

# 10 FERN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GG

## Property details

- Slug: `906665b` (address key hash: `906665b79a25517ea61a2b782c6b1e1f568f651c`)
- Postcode: PE11 1GG
- Transactions on record: 1

- Tenure: Freehold
- Property type: Detached
- Bedrooms: 5
- Bathrooms: 3
- Last sold: £186,000 Apr 2002
- Local average: £309,310 (115 sales)
- Street crime: 180 incidents within 1 mile (Aug 2026)

## Latest sale

- Price: £186,000
- Date: 2002-04-18
- Type: D
- Tenure: F

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2002-04-18 | £186,000 | Detached | — | £510,294 (to July 2026) | [View](http://87.117.209.195:8080/house-prices/f1892e62-fb72-43b3-8660-40639b38d867) |

*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 |
|---------|-------|------|------|
| 10 FERN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GG | £186,000 | 18/04/2002 | Detached |

## Historic listings

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

- Matched listing: [169347308](http://87.117.209.195:8080/listings/1528d9b)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £445,000 |
| listed | 2025-11-14 | £450,000 |
| sold | 2014-01-01 | £264,500 |
| sold | 2002-01-01 | £186,000 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 10 FERN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GG | £445,000 | 24/07/2026 | Detached |
| 16 BAXTER GARDENS, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3YL | £262,000 | 18/12/2025 | Detached |
| 10 ST HELENA DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1UF | £299,950 | 18/12/2025 | Detached |
| 11 FERN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GG | £435,000 | 27/11/2025 | Detached |
| 187 WOOLRAM WYGATE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3PA | £325,000 | 26/11/2025 | Detached |
| 13 DANIELS REACH, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3HG | £235,000 | 08/05/2025 | Detached |
| 33 LILBURN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3NY | £275,000 | 31/03/2025 | Detached |
| 4 ROSE LEIGH WAY, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GW | £402,500 | 24/11/2023 | Detached |
| 18 LILBURN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3NY | £255,000 | 27/10/2023 | Detached |
| 32 LILBURN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3NY | £296,000 | 17/10/2023 | Detached |
| 4 FLEUR DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GL | £385,000 | 25/08/2023 | Detached |
| 145 WOOLRAM WYGATE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3PA | £180,000 | 16/06/2023 | Detached |
| 3 DANIELS REACH, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3HG | £270,000 | 16/05/2023 | Detached |
| 22 MILES BANK, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3EZ | £590,000 | 21/12/2022 | Detached |
| 29 SHERWOOD DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1QW | £270,000 | 17/10/2022 | Detached |
| 12 SHERWOOD DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1QP | £300,000 | 14/10/2022 | Detached |
| 11 FERN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GG | £378,000 | 30/09/2022 | Detached |
| 166 WOOLRAM WYGATE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3PA | £325,000 | 22/09/2022 | Detached |
| 206 SPALDING ROAD, PINCHBECK, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3PB | £365,000 | 22/08/2022 | Detached |
| 13 ST HELENA DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1UF | £317,500 | 01/08/2022 | Detached |

**Area average:** £330,548 (20 sales)

## Capital growth trend

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

- **5y growth:** 8.6%
- **10y growth:** 41.7%

## House Price Index (HM Land Registry)

*Official index for South Holland; Detached series; as of July 2026.*

- **1y growth (index):** 3.5%
- **5y growth (index):** 9.9%
- **10y growth (index):** 36.8%

## Rental Range

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

- **Low:** £698/mo
- **Realistic:** £775/mo
- **Optimistic:** £853/mo

## LHA (Local Housing Allowance)

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

## Rental Comparables

*Residential lets in the area (all bedroom counts shown — none matched the 5-bedroom count for this property). Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 3 Bed Detached House, Albert Street, PE11 | £1,100/mo | 3 | 0.87 miles | OpenRent |

**Average rent: £1,100/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.59% (weak for cashflow)
- **Max investor price (0.8%):** £137,500
- **Target investor price (1%):** £110,000

*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 £1,100/mo).*

- **Gross yield:** 7.1%
- **Cost-to-rent:** 14.1×
- **Monthly cashflow:** £233/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 5.2%

*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 | 67 |
| Anti-social behaviour | 40 |
| Criminal damage and arson | 15 |
| Other theft | 14 |
| Public order | 14 |
| Shoplifting | 11 |
| Vehicle crime | 8 |
| Bicycle theft | 3 |
| Other crime | 3 |
| Drugs | 2 |
| Burglary | 1 |
| Possession of weapons | 1 |
| Robbery | 1 |
| **Total incidents** | **180** |

*Within 1 mile during Aug 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 |
|------|------|----------|--------|
| Spalding Primary Academy | Primary | 0.5 miles | Good — 19 Mar 2024 |
| St Norbert's Catholic Voluntary Academy | Primary | 0.8 miles | Outstanding — 10 Sep 2015 |
| Wygate Park Academy | Primary | 0.8 miles | Good — 21 Jul 2017 |
| St Paul's Community Primary and Nursery School, Spalding | Primary | 1.0 miles | Good — 8 Sep 2024 |
| The Pinchbeck East Church of England Primary Academy | Primary | 1.1 miles | Good — 24 Apr 2024 |

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #14005506
- **Address:** 10 Fern Drive, SPALDING, PE11 1GG
- **Certificate Issued:** 01/03/2020
- **Work Completed:** 21/02/2020
- **Items:** 1 door(s)