# 33 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF

## Property details

- Slug: `a3da7ed` (address key hash: `a3da7ed2a8c5c9c89b614d60ac2b7ede44c3542f`)
- Postcode: WF14 9QF
- Transactions on record: 1

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 2
- Bathrooms: 1
- Floor area: 62 m²
- EPC rating: D
- Year built: England and Wales: 1900-1929
- Last sold: £133,000 Feb 2026
- Price per m²: £2,145/m²
- Local average: £185,862 (25 sales)
- Street crime: 142 incidents within 1 mile (May 2026)

## Latest sale

- Price: £133,000
- Date: 2026-02-20
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 22/01/2036
- **Current heating cost:** £777/year
- **Est. upgrade cost to C:** £25,750

### Recommendations
- Q (£7,500 - £11,000)
- W1 (£5,000 - £10,000)
- U (£8,000 - £10,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/1820-2390-0117-7005-0653)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-20 | £133,000 | Terraced | — | £134,227 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29d-ee40-8922-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 |
|---------|-------|------|------|
| 33 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £133,000 | 20/02/2026 | Terraced |

## Historic listings

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

- Matched listing: [163550591](http://87.117.209.195:8080/listings/bb3f08c)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £133,000 |
| listed | 2025-06-19 | £139,950 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 39 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £105,000 | 02/12/2025 | Terraced |
| 80 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH | £150,000 | 10/02/2025 | Terraced |
| 21 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £148,000 | 27/01/2025 | Terraced |
| 7 STOCKS BANK ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QB | £316,000 | 06/12/2024 | Terraced |
| 98 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH | £145,000 | 27/06/2023 | Terraced |
| 27 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN | £88,000 | 16/06/2023 | Terraced |
| 39 BANK STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QF | £100,000 | 24/04/2023 | Terraced |
| 396 HUDDERSFIELD ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DL | £330,000 | 11/01/2023 | Terraced |
| 65 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QH | £192,000 | 21/12/2022 | Terraced |
| 326 HUDDERSFIELD ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DQ | £70,000 | 20/12/2022 | Terraced |
| 104 STOCKS BANK ROAD, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QB | £131,500 | 28/11/2022 | Terraced |
| 19 WOODSOME AVENUE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QX | £307,500 | 28/10/2022 | Terraced |
| 8 BACK LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QA | £260,000 | 28/10/2022 | Terraced |
| 33 FRANCIS STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BB | £145,000 | 21/10/2022 | Terraced |
| 5 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN | £110,000 | 14/10/2022 | Terraced |
| 144 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9QJ | £217,500 | 30/08/2022 | Terraced |
| 28 NAB LANE, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BQ | £195,000 | 26/08/2022 | Terraced |
| 6 WASPSNEST COURT, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9FB | £235,000 | 24/06/2022 | Terraced |
| 7 THE CLOUGH, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9DN | £150,000 | 24/06/2022 | Terraced |
| 33 FRANCIS STREET, MIRFIELD, KIRKLEES, WEST YORKSHIRE, WF14 9BB | £97,500 | 07/06/2022 | Terraced |

**Area average:** £174,650 (20 sales)

## Capital growth trend

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

- **5y growth:** 15.1%
- **10y growth:** 54.8%

## House Price Index (HM Land Registry)

*Official index for Kirklees; Terraced series; as of April 2026.*

- **1y growth (index):** 4.1%
- **5y growth (index):** 26.9%
- **10y growth (index):** 57.6%

## Rental Range

*ONS Price Index of Private Rents (Kirklees). 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 Kirklees (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets from OpenRent and Rightmove for the area (same bedroom count). Use to validate rent estimates. Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Flat, Water Royd Lane, WF14 | £695/mo | 2 | 0.55 miles | OpenRent |

**Average rent: £695/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.52% (weak for cashflow)
- **Max investor price (0.8%):** £86,875
- **Target investor price (1%):** £69,500

*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 £695/mo).*

- **Gross yield:** 6.3%
- **Cost-to-rent:** 15.9×
- **Monthly cashflow:** £77/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 2.4%

*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 | 51 |
| Anti-social behaviour | 30 |
| Public order | 13 |
| Vehicle crime | 9 |
| Criminal damage and arson | 8 |
| Other theft | 8 |
| Burglary | 6 |
| Shoplifting | 6 |
| Other crime | 4 |
| Possession of weapons | 4 |
| Drugs | 2 |
| Theft from the person | 1 |
| **Total incidents** | **142** |

*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 |
|------|------|----------|--------|
| Battyeford CofE (VC) Primary School | Primary | 0.1 miles | Good — 5 Oct 2017 |
| The Mirfield Free Grammar | Secondary | 0.5 miles | Good — 10 Mar 2020 |
| Hopton Primary School | Primary | 0.7 miles | Good — 20 Jul 2022 |
| Old Bank Academy | Primary | 0.7 miles | Good — 30 May 2024 |
| Castle Hall Academy | Secondary | 0.9 miles | Good — 28 Mar 2023 |