Semi-Detached 2 sales on record

FIELD COTTAGE CROFT STREET

CHELTENHAM, GLOUCESTERSHIRE, GL53 0ED

£565,500

Location

Map view View on Google Maps View on OpenStreetMap Street View GL53 0ED

Nearby

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

Type	Name	Distance
Shop	MCS Auto Solutions	0.0 miles
Bus stop	Fairfield Park Rd	0.1 miles
Hospital	NHS Records Office	0.8 miles
Train station	Cheltenham Spa	1.2 miles
University	University of Gloucestershire - Oxtalls Campus	6.2 miles

Property details

Tenure

Freehold

Property type

Semi-detached

Floor area

100 m²

EPC rating

Year built

England and Wales: before 1900

Last sold

£565,500 Jan 2026

Price per m²

£5,655/m²

Local average

£582,521 (24 sales)

Street crime

2 incidents within 1 mile (Apr 2026)

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: B

Inspection date: 18/08/2020

Current heating cost: £885/year

Potential heating cost: £557/year

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

Recommendations

50 mm internal or external wall insulation (14,000)
Floor insulation (suspended floor) (1,200)
Low energy lighting for all fixed outlets (30)
Solar water heating (6,000)
Solar photovoltaic panels, 2.5 kWp (5,500)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	19/01/2026	£565,500	Semi-detached	+74%	£567,163 to March 2026	View transaction
Sold	22/09/2011	£325,000	Semi-detached	—	£602,310 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
25 PICKERING ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 0LF	£780,000	01/12/2023	Semi-detached
1 MOOREND CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 0EJ	£408,000	20/10/2023	Semi-detached
56 LECKHAMPTON ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 0BG	£925,000	09/10/2023	Semi-detached
10 LECKHAMPTON ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 0AY	£775,000	03/07/2023	Semi-detached
20 MOOREND CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 0EL	£400,000	05/06/2023	Semi-detached
38 FAIRFIELD AVENUE, CHELTENHAM, GLOUCESTERSHIRE, GL53 7PN	£345,000	26/04/2023	Semi-detached
8 MORNINGTON DRIVE, CHELTENHAM, GLOUCESTERSHIRE, GL53 0BH	£380,000	21/12/2022	Semi-detached
15 EYNON CLOSE, CHELTENHAM, GLOUCESTERSHIRE, GL53 0QA	£315,000	30/06/2022	Semi-detached
19 PICKERING ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 0LF	£527,000	27/05/2022	Semi-detached
81 MOOREND CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 0EW	£505,000	26/05/2022	Semi-detached
18 MOOREND CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 0EL	£550,000	26/05/2022	Semi-detached
45 PICKERING ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 0LF	£385,000	27/04/2022	Semi-detached
53 PICKERING ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 0LF	£370,000	04/03/2022	Semi-detached
32 MOOREND CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 0EL	£445,377	22/12/2021	Semi-detached
RISSINGTON HOUSE CROFT STREET, CHELTENHAM, GLOUCESTERSHIRE, GL53 0ED	£577,000	30/09/2021	Semi-detached
5 FAIRFIELD AVENUE, CHELTENHAM, GLOUCESTERSHIRE, GL53 7PN	£430,000	21/09/2021	Semi-detached
19 EYNON CLOSE, CHELTENHAM, GLOUCESTERSHIRE, GL53 0QA	£225,000	06/09/2021	Semi-detached
8 MOOREND CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 0EL	£300,000	29/06/2021	Semi-detached
18 MORNINGTON DRIVE, CHELTENHAM, GLOUCESTERSHIRE, GL53 0BH	£450,000	28/06/2021	Semi-detached
27 MOOREND CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 0EJ	£328,000	17/06/2021	Semi-detached

Area average: £471,019 (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 37%

10y growth 71.6%

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

1y (index) 3.3%

5y (index) 18.7%

10y (index) 47.8%

Rental Range

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

Low £1,116/mo

Realistic £1,240/mo

Optimistic £1,364/mo

Based on Local Authority from postcode lookup → Cheltenham.

LHA (30th percentile) floor for Cheltenham: 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
1 Bed Flat, Arkle House, GL53	£985/mo	1	0.25 miles	OpenRent

Average rent: £985/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.17%

Max investor price (0.8%) £123,125

Target investor price (1%) £98,500

Gross yield 2.1%

Cost-to-rent ratio 47.8×

Monthly cashflow £-1,365/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -10%

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
Anti-social behaviour	1
Violence and sexual offences	1
Total incidents	2

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
Naunton Park Primary School	Primary	0.3 miles	— (Inspected (no overall grade))
University of Gloucestershire	Other	0.4 miles	— (No rating)
Leckhampton Church of England Primary School	Primary	0.5 miles	Good — 15 Jan 2023
St James' Church of England Primary School	Primary	0.6 miles	Good — 16 Nov 2023
Cheltenham College	Other	0.6 miles	— (No rating)

FENSA

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

# FIELD COTTAGE CROFT STREET, CHELTENHAM, GLOUCESTERSHIRE, GL53 0ED

## Property details

- Slug: `a3612cd` (address key hash: `a3612cd1b5b1f5904f27c5d856fe65bb5e79ee26`)
- Postcode: GL53 0ED
- Transactions on record: 2

- Tenure: Freehold
- Property type: Semi-detached
- Floor area: 100 m²
- EPC rating: D
- Year built: England and Wales: before 1900
- Last sold: £565,500 Jan 2026
- Price per m²: £5,655/m²
- Local average: £582,521 (24 sales)
- Street crime: 2 incidents within 1 mile (Apr 2026)

## Latest sale

- Price: £565,500
- Date: 2026-01-19
- Type: S
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Current heating cost:** £885/year

### Recommendations
- Q (14,000)
- W1 (1,200)
- E (30)
- N (6,000)
- U (5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/9388-6083-6228-4480-9254)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-01-19 | £565,500 | Semi-detached | +74% | £567,163 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/49e87c31-e76d-591c-e063-4704a8c00c31) |
| Sold | 2011-09-22 | £325,000 | Semi-detached | — | £602,310 (to March 2026) | [View](http://87.117.209.195:8080/house-prices/121e79e1-aaee-4bc8-8ce9-7f194ed3faa6) |

*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 |
|---------|-------|------|------|
| FIELD COTTAGE CROFT STREET, CHELTENHAM, GLOUCESTERSHIRE, GL53 0ED | £565,500 | 19/01/2026 | Semi-detached |
| FIELD COTTAGE CROFT STREET, CHELTENHAM, GLOUCESTERSHIRE, GL53 0ED | £325,000 | 22/09/2011 | 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 |
|---------|-------|------|------|
| 25 PICKERING ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 0LF | £780,000 | 01/12/2023 | Semi-detached |
| 1 MOOREND CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 0EJ | £408,000 | 20/10/2023 | Semi-detached |
| 56 LECKHAMPTON ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 0BG | £925,000 | 09/10/2023 | Semi-detached |
| 10 LECKHAMPTON ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 0AY | £775,000 | 03/07/2023 | Semi-detached |
| 20 MOOREND CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 0EL | £400,000 | 05/06/2023 | Semi-detached |
| 38 FAIRFIELD AVENUE, CHELTENHAM, GLOUCESTERSHIRE, GL53 7PN | £345,000 | 26/04/2023 | Semi-detached |
| 8 MORNINGTON DRIVE, CHELTENHAM, GLOUCESTERSHIRE, GL53 0BH | £380,000 | 21/12/2022 | Semi-detached |
| 15 EYNON CLOSE, CHELTENHAM, GLOUCESTERSHIRE, GL53 0QA | £315,000 | 30/06/2022 | Semi-detached |
| 19 PICKERING ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 0LF | £527,000 | 27/05/2022 | Semi-detached |
| 81 MOOREND CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 0EW | £505,000 | 26/05/2022 | Semi-detached |
| 18 MOOREND CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 0EL | £550,000 | 26/05/2022 | Semi-detached |
| 45 PICKERING ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 0LF | £385,000 | 27/04/2022 | Semi-detached |
| 53 PICKERING ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL53 0LF | £370,000 | 04/03/2022 | Semi-detached |
| 32 MOOREND CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 0EL | £445,377 | 22/12/2021 | Semi-detached |
| RISSINGTON HOUSE CROFT STREET, CHELTENHAM, GLOUCESTERSHIRE, GL53 0ED | £577,000 | 30/09/2021 | Semi-detached |
| 5 FAIRFIELD AVENUE, CHELTENHAM, GLOUCESTERSHIRE, GL53 7PN | £430,000 | 21/09/2021 | Semi-detached |
| 19 EYNON CLOSE, CHELTENHAM, GLOUCESTERSHIRE, GL53 0QA | £225,000 | 06/09/2021 | Semi-detached |
| 8 MOOREND CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 0EL | £300,000 | 29/06/2021 | Semi-detached |
| 18 MORNINGTON DRIVE, CHELTENHAM, GLOUCESTERSHIRE, GL53 0BH | £450,000 | 28/06/2021 | Semi-detached |
| 27 MOOREND CRESCENT, CHELTENHAM, GLOUCESTERSHIRE, GL53 0EJ | £328,000 | 17/06/2021 | Semi-detached |

**Area average:** £471,019 (20 sales)

## Capital growth trend

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

- **5y growth:** 37%
- **10y growth:** 71.6%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 3.3%
- **5y growth (index):** 18.7%
- **10y growth (index):** 47.8%

## Rental Range

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

- **Low:** £1,116/mo
- **Realistic:** £1,240/mo
- **Optimistic:** £1,364/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Cheltenham (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 |
|------|------|------|------|------|
| 1 Bed Flat, Arkle House, GL53 | £985/mo | 1 | 0.25 miles | OpenRent |

**Average rent: £985/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.17% (weak for cashflow)
- **Max investor price (0.8%):** £123,125
- **Target investor price (1%):** £98,500

*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 £985/mo).*

- **Gross yield:** 2.1%
- **Cost-to-rent:** 47.8×
- **Monthly cashflow:** £-1,365/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -10%

*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 |
|----------|-------|
| Anti-social behaviour | 1 |
| Violence and sexual offences | 1 |
| **Total incidents** | **2** |

*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 |
|------|------|----------|--------|
| Naunton Park Primary School | Primary | 0.3 miles | — (Inspected (no overall grade)) |
| University of Gloucestershire | Other | 0.4 miles | — (No rating) |
| Leckhampton Church of England Primary School | Primary | 0.5 miles | Good — 15 Jan 2023 |
| St James' Church of England Primary School | Primary | 0.6 miles | Good — 16 Nov 2023 |
| Cheltenham College | Other | 0.6 miles | — (No rating) |