# 78 SPENCER ROAD, STOKE-ON-TRENT, ST4 2BE

## Property details

- Slug: `b0b8bb3` (address key hash: `b0b8bb3dd9923615d1a26c34bcf6cf63a3e033b4`)
- Postcode: ST4 2BE
- Transactions on record: 1

- Tenure: Freehold
- Property type: Terraced
- Bedrooms: 2
- Bathrooms: 1
- Floor area: 77 m²
- EPC rating: E
- Year built: England and Wales: 1900-1929
- Last sold: £115,000 Feb 2026
- Price per m²: £1,494/m²
- Local average: £112,393 (157 sales)
- Street crime: 595 incidents within 1 mile (May 2026)

## Latest sale

- Price: £115,000
- Date: 2026-02-27
- Type: T
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** E
- **Potential rating:** C
- **Expiry date:** 06/11/2034
- **Current heating cost:** £1,313/year
- **Est. upgrade cost to C:** £19,900

### Recommendations
- Q (£4,000 - £14,000)
- W1 (£800 - £1,200)
- G (£350 - £450)
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/1334-8629-4409-0963-3206)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-27 | £115,000 | Terraced | — | £117,440 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29d-9abd-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 |
|---------|-------|------|------|
| 78 SPENCER ROAD, STOKE-ON-TRENT, ST4 2BE | £115,000 | 27/02/2026 | Terraced |

## Historic listings

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

- Matched listing: [164732159](http://87.117.209.195:8080/listings/1567283)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £115,000 |
| listed | 2025-07-20 | £120,000 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 33 CARLTON ROAD, STOKE-ON-TRENT, ST4 2BG | £100,000 | 12/03/2026 | Terraced |
| 114 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EN | £115,000 | 22/09/2025 | Terraced |
| 90 THORNTON ROAD, STOKE-ON-TRENT, ST4 2BD | £97,000 | 12/09/2025 | Terraced |
| 97 SPENCER ROAD, STOKE-ON-TRENT, ST4 2BE | £93,000 | 12/09/2025 | Terraced |
| 82 SPENCER ROAD, STOKE-ON-TRENT, ST4 2BE | £96,000 | 05/09/2025 | Terraced |
| 130 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EN | £150,000 | 20/06/2025 | Terraced |
| 127 SPENCER ROAD, STOKE-ON-TRENT, ST4 2BE | £189,950 | 28/03/2025 | Terraced |
| 156 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EN | £162,000 | 12/08/2024 | Terraced |
| 121 THORNTON ROAD, STOKE-ON-TRENT, ST4 2BD | £115,000 | 21/11/2023 | Terraced |
| 86 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EN | £180,000 | 30/08/2023 | Terraced |
| 88 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EN | £160,000 | 11/08/2023 | Terraced |
| 102 THORNTON ROAD, STOKE-ON-TRENT, ST4 2BD | £100,000 | 27/07/2023 | Terraced |
| 104 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EN | £105,000 | 14/07/2023 | Terraced |
| 105 THORNTON ROAD, STOKE-ON-TRENT, ST4 2BD | £122,500 | 23/06/2023 | Terraced |
| 113 THORNTON ROAD, STOKE-ON-TRENT, ST4 2BD | £105,000 | 05/05/2023 | Terraced |
| 140 BOUGHEY ROAD, STOKE-ON-TRENT, ST4 2BB | £175,000 | 21/04/2023 | Terraced |
| 112 THORNTON ROAD, STOKE-ON-TRENT, ST4 2BD | £121,000 | 18/01/2023 | Terraced |
| 144 BOUGHEY ROAD, STOKE-ON-TRENT, ST4 2BB | £173,000 | 13/01/2023 | Terraced |
| 140 ASHFORD STREET, STOKE-ON-TRENT, ST4 2EN | £180,000 | 14/12/2022 | Terraced |
| 110 THORNTON ROAD, STOKE-ON-TRENT, ST4 2BD | £170,000 | 02/12/2022 | Terraced |

**Area average:** £135,473 (20 sales)

## For sale comparables

*Active for-sale listings within 1 mile, matched to the same property type and bedroom count.*

| Address | Price | Beds | Type | Distance |
|---------|-------|------|------|----------|
| [Elgin Street, Stoke-On-Trent ST4 2RD](http://87.117.209.195:8080/listings/ea8f8a6) | £87,000 | 2 | Terraced | 0.34 mi |
| [Dominic Street, Penkhull, Stoke-On-Trent](http://87.117.209.195:8080/listings/2a63147) | £100,000 | 2 | Terraced | 0.58 mi |
| [Boothen Road, Stoke-On-Trent, ST4 4AH](http://87.117.209.195:8080/listings/a38723c) | £120,000 | 2 | Terraced | 0.62 mi |
| [Oriel Street, Penkhull, Stoke-On-Trent, ST4](http://87.117.209.195:8080/listings/75ecdcc) | £130,000 | 2 | End of terrace | 0.69 mi |
| [Campbell Road, Stoke, Stoke-on-Trent](http://87.117.209.195:8080/listings/cf2210b) | £110,000 | 2 | Terraced | 0.78 mi |
| [Whitmore Street, Stoke-On-Trent, ST1 4JT](http://87.117.209.195:8080/listings/da78346) | £120,000 | 2 | Terraced | 0.84 mi |

## Capital growth trend

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

- **5y growth:** 8.9%
- **10y growth:** 24.6%

## House Price Index (HM Land Registry)

*Official index for Stoke-on-Trent; Terraced series; as of April 2026.*

- **1y growth (index):** 4.8%
- **5y growth (index):** 25.7%
- **10y growth (index):** 63.3%

## Rental Range

*ONS Price Index of Private Rents (Stoke-on-Trent). Low / Realistic / Optimistic = conservative / average / best case.*

- **Low:** £638/mo
- **Realistic:** £709/mo
- **Optimistic:** £780/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Staffordshire North (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 |
|------|------|------|------|------|
| [Lewis Street, Stoke-On-Trent, ST4](http://87.117.209.195:8080/listings/6bd66d0) | £725/mo | 2 | 0.4 miles | Rightmove |
| [61 Kingsway, Stoke-on-Trent, ST4 1JB](http://87.117.209.195:8080/listings/4bec9f7) | £695/mo | 2 | 0.46 miles | Rightmove |
| [Boothen Road, Stoke-on-Trent](http://87.117.209.195:8080/listings/062a021) | £785/mo | 2 | 0.57 miles | Rightmove |
| [Tolkein Way, Stoke-on-Trent, ST4](http://87.117.209.195:8080/listings/c6a7bf7) | £915/mo | 2 | 0.58 miles | Rightmove |
| [Cornwallis Street, Stoke, Stoke-On-Trent](http://87.117.209.195:8080/listings/fecf6ce) | £750/mo | 2 | 0.6 miles | Rightmove |
| [Cornwallis Street, Stoke-on-Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/ae1517e) | £650/mo | 2 | 0.6 miles | Rightmove |
| [Cornwallis street, Stoke](http://87.117.209.195:8080/listings/3dff9ad) | £695/mo | 2 | 0.6 miles | Rightmove |
| [Cornwallis Street, Stoke-On-Trent](http://87.117.209.195:8080/listings/6c6c0ea) | £695/mo | 2 | 0.61 miles | Rightmove |
| [Cornwallis Street, Stoke-on-Trent, ST4](http://87.117.209.195:8080/listings/c80065a) | £850/mo | 2 | 0.62 miles | Rightmove |
| [Penstock Drive, Etruria](http://87.117.209.195:8080/listings/d6d2236) | £750/mo | 2 | 0.68 miles | Rightmove |
| [Fletcher Road, Stoke-On-Trent](http://87.117.209.195:8080/listings/f7b6ff6) | £775/mo | 2 | 0.71 miles | Rightmove |
| [Princes Road, Stoke-on-Trent](http://87.117.209.195:8080/listings/b08294e) | £800/mo | 2 | 0.72 miles | Rightmove |
| [Bob Mcgrory Street, Stoke-On-Trent, ST4](http://87.117.209.195:8080/listings/75a3937) | £900/mo | 2 | 0.73 miles | Rightmove |
| [Edward Street, Fenton, Stoke-On-Trent, ST4](http://87.117.209.195:8080/listings/d2b5c21) | £700/mo | 2 | 0.73 miles | Rightmove |
| [Princes Road, Penkhull](http://87.117.209.195:8080/listings/5cfcb38) | £395/mo | — | 0.74 miles | Rightmove |
| [Quarry Avenue, Stoke-On-Trent, ST4](http://87.117.209.195:8080/listings/11c0e0f) | £800/mo | 2 | 0.74 miles | Rightmove |
| [Standard Street, Fenton, ST4](http://87.117.209.195:8080/listings/3d10579) | £850/mo | 2 | 0.75 miles | Rightmove |
| [Fletcher Road, Stoke-on-Trent, ST4](http://87.117.209.195:8080/listings/69fabfd) | £750/mo | 2 | 0.76 miles | Rightmove |
| [Edison Street, Stoke-On-Trent, ST4](http://87.117.209.195:8080/listings/46d7652) | £725/mo | 2 | 0.78 miles | Rightmove |
| [Elizabeth House, Scholars Court, Off West Avenue, Penkhull, Stoke On Trent, Staffordshire, ST4](http://87.117.209.195:8080/listings/171a326) | £945/mo | 2 | 0.79 miles | Rightmove |

**Average rent: £783/mo (77 listings)**

## 1% Rule

- **Rent ratio:** 0.65% (weak for cashflow)
- **Max investor price (0.8%):** £93,750
- **Target investor price (1%):** £75,000

*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

- **This street:** 8.7% gross yield (avg £116,939 sale, £850/mo rent)
*Based on OpenRent comparables (median £750/mo).*

- **Gross yield:** 7.8%
- **Cost-to-rent:** 12.8×
- **Monthly cashflow:** £197/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 7.1%

*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 | 181 |
| Anti-social behaviour | 109 |
| Criminal damage and arson | 60 |
| Public order | 51 |
| Shoplifting | 44 |
| Other theft | 41 |
| Burglary | 31 |
| Drugs | 19 |
| Other crime | 19 |
| Vehicle crime | 13 |
| Robbery | 11 |
| Possession of weapons | 10 |
| Bicycle theft | 6 |
| **Total incidents** | **595** |

*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 |
|------|------|----------|--------|
| Staffordshire University | Other | 0.1 miles | — (No rating) |
| Excellence Girls Academy | Other | 0.2 miles | Good — 16 Jun 2024 |
| City of Stoke-On-Trent Sixth Form College | Other | 0.2 miles | — (No rating) |
| Stoke-on-Trent College | Other | 0.4 miles | — (No rating) |
| The Registry | Other | 0.4 miles | — (No rating) |