# 85 RAMERICK GARDENS, ARLESEY, CENTRAL BEDFORDSHIRE, SG15 6XZ

## Property details

- Slug: `a2053c3` (address key hash: `a2053c368ff3b1642483698df8e43d479142fa3a`)
- Postcode: SG15 6XZ
- Transactions on record: 1

- Tenure: Freehold
- Property type: Detached
- Floor area: 113 m²
- EPC rating: D
- Year built: England and Wales: 1991-1995
- Last sold: £470,000 Feb 2026
- Price per m²: £4,159/m²
- Local average: £656,000 (4 sales)
- Street crime: 16 incidents within 1 mile (May 2026)

## Latest sale

- Price: £470,000
- Date: 2026-02-27
- Type: D
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 18/04/2026 — **EXPIRED** (no longer valid for marketing or letting)
- **Current heating cost:** £1,104/year
- **Est. upgrade cost to C:** £17,925

### Recommendations
- B (£500 - £1,500)
- W2 (£4,000 - £6,000)
- E (£25)
- G (£350 - £450)
- N (£4,000 - £6,000)
- U (£5,000 - £8,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8408-6912-7529-3497-0463)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-27 | £470,000 | Detached | — | £470,455 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29c-d052-8922-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 |
|---------|-------|------|------|
| 85 RAMERICK GARDENS, ARLESEY, CENTRAL BEDFORDSHIRE, SG15 6XZ | £470,000 | 27/02/2026 | 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 |
|---------|-------|------|------|
| 6 RAMERICK GARDENS, ARLESEY, CENTRAL BEDFORDSHIRE, SG15 6XZ | £405,000 | 09/06/2022 | Detached |

**Area average:** £405,000 (1 sale)

## Capital growth trend

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

- **5y growth:** 28%
- **10y growth:** 65.7%

## House Price Index (HM Land Registry)

*Official index for Central Bedfordshire; Detached series; as of April 2026.*

- **1y growth (index):** 4.2%
- **5y growth (index):** 19.8%
- **10y growth (index):** 35.6%

## Rental Range

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

- **Low:** £1,122/mo
- **Realistic:** £1,247/mo
- **Optimistic:** £1,372/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Stevenage & North Herts (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 Terraced House, Ramerick Gardens, SG15 | £1,295/mo | 2 | 0.02 miles | OpenRent |
| 2 Bed Flat, High Street, SG15 | £1,200/mo | 2 | 0.69 miles | OpenRent |
| 2 Bed Flat, St. Johns Road, SG15 | £975/mo | 2 | 0.81 miles | OpenRent |
| 2 Bed Terraced House, Kipling Crescent, SG5 | £850/mo | 2 | 0.84 miles | OpenRent |

**Average rent: £1,080/mo (4 listings)**

## 1% Rule

- **Rent ratio:** 0.23% (weak for cashflow)
- **Max investor price (0.8%):** £136,000
- **Target investor price (1%):** £108,800

*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

- **This street:** 5.0% gross yield (avg £311,800 sale, £1,295/mo rent)
*Based on OpenRent comparables (median £1,088/mo).*

- **Gross yield:** 2.8%
- **Cost-to-rent:** 36×
- **Monthly cashflow:** £-897/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -7.9%

*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 | 7 |
| Anti-social behaviour | 3 |
| Criminal damage and arson | 3 |
| Other crime | 1 |
| Other theft | 1 |
| Vehicle crime | 1 |
| **Total incidents** | **16** |

*Within 1 mile during May 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 |
|------|------|----------|--------|
| Fairfield Park Lower School | Primary | 0.9 miles | Good — 13 Oct 2024 |
| Gothic Mede Academy | Primary | 1.1 miles | Good — 5 Sep 2017 |
| Stonehill School | Primary | 1.4 miles | Good — 16 Mar 2018 |
| Wilbury Junior School | Primary | 1.6 miles | Good — 8 Sep 2024 |
| Derwent Primary School | Primary | 1.6 miles | Good — 14 Feb 2014 |