# 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) |