Semi-Detached 2 sales on record

16 THE FINCHES

SANDY, CENTRAL BEDFORDSHIRE, SG19 2UL

£365,000

Location

Map view View on Google Maps View on OpenStreetMap Street View SG19 2UL

Nearby

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

Type	Name	Distance
Bus stop	Unknown	0.2 miles
Shop	Sandy Supermarket	0.4 miles
Train station	Sandy	1.2 miles
University	University of Bedfordshire Polhill Campus	6.4 miles
Hospital	Bedford Hospital SDEC - Same Day Emergency Care	7.7 miles

Property details

Tenure

Freehold

Property type

Semi-detached

Bedrooms

Bathrooms

Floor area

100 m²

EPC rating

Year built

England and Wales: 1996-2002

Last sold

£365,000 Feb 2026

Price per m²

£3,650/m²

Local average

£345,229 (24 sales)

Street crime

60 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Current rating: B

Potential rating: B

Inspection date: 15/05/2025

Expiry date: 14/05/2035

Current heating cost: £604/year

Potential heating cost: £613/year

Est. upgrade cost to C: £5,000

Recommendations

Solar water heating (£4,000 - £6,000)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	20/02/2026	£365,000	Semi-detached	+46%	£365,348 to April 2026	View transaction
Sold	03/07/2015	£250,000	Semi-detached	—	£390,253 to April 2026	View transaction

Historic listings

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

Event	Date	Price
sold	01/01/2026	£365,000
listed	16/05/2025	£365,000
sold	01/01/2015	£250,000
sold	01/01/2008	£179,000
sold	01/01/1997	£63,950

Photos · Open listing

Sold comparables

Same street and nearby sales within 0.25 miles (last 5 years). Land Registry Price Paid Data.

Address	Price	Date	Type
38 JUBILEE CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 1RR	£345,000	12/12/2025	Semi-detached
38 JUBILEE CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 1RR	£345,000	12/12/2025	Semi-detached
37 JUBILEE CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 1RR	£348,000	30/11/2023	Semi-detached
27 THE FINCHES, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UL	£285,000	19/05/2023	Semi-detached
2 DOVE CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UT	£335,000	19/05/2023	Semi-detached
4 DOVE CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UT	£375,000	21/12/2022	Semi-detached
24 DOVE CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UT	£345,000	05/12/2022	Semi-detached
48 MERLIN DRIVE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UN	£365,000	17/11/2022	Semi-detached
5 STARLING CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TQ	£364,500	24/10/2022	Semi-detached
7 ROBIN CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TB	£325,000	06/10/2022	Semi-detached
10 OSPREY CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TW	£321,000	01/09/2022	Semi-detached
9 THE FINCHES, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UL	£299,950	11/08/2022	Semi-detached
19 PRINCE GEORGES DRIVE, SANDY, CENTRAL BEDFORDSHIRE, SG19 1RN	£285,000	28/07/2022	Semi-detached
21 FALCON CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TA	£386,000	15/07/2022	Semi-detached
21 ROBIN CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TB	£335,000	24/06/2022	Semi-detached
8 WEAVERS GREEN, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TR	£318,000	22/06/2022	Semi-detached
4 FALCON CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TA	£329,950	23/03/2022	Semi-detached
3 LARKS RISE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TU	£295,000	11/02/2022	Semi-detached
39 PARTRIDGE PIECE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UP	£339,950	03/12/2021	Semi-detached
9 THE FINCHES, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UL	£249,950	28/10/2021	Semi-detached

Area average: £329,615 (20 sales)

For sale comparables

No active for-sale comparables found within 1 mile for the same bedrooms and property type.

Capital growth trend

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

5y growth -7.6%

10y growth 18.7%

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

1y (index) 5.2%

5y (index) 21.7%

10y (index) 39.7%

Rental Range

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

Low £1,122/mo

Realistic £1,247/mo

Optimistic £1,372/mo

Based on Local Authority from postcode lookup → Central Bedfordshire.

LHA (30th percentile) floor for Peterborough: Apr 2025 – Mar 2026

Rental Comparables

Residential lets in the area (all bedroom counts shown — none matched the 3-bedroom count for this property). Student lets are excluded.

Title	Rent	Beds	Distance	As seen on
2 Bed Mobile Home, Tempsford Road, SG19	£1,350/mo	2	0.9 miles	OpenRent

Average rent: £1,350/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.37%

Max investor price (0.8%) £168,750

Target investor price (1%) £135,000

Gross yield 4.4%

Cost-to-rent ratio 22.5×

Monthly cashflow £-247/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -2.8%

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

Job (default Low)

Street-level crime

Category	Count
Violence and sexual offences	25
Anti-social behaviour	9
Criminal damage and arson	5
Other crime	4
Vehicle crime	4
Other theft	3
Public order	3
Drugs	2
Shoplifting	2
Bicycle theft	1
Burglary	1
Theft from the person	1
Total incidents	60

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. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Maple Tree Primary School	Primary	0.1 miles	Good — 2 Jul 2014
Sandy Secondary School	Secondary	0.3 miles	Requires improvement — 28 Mar 2023
Robert Peel Primary School	Primary	0.6 miles	Good — 1 Mar 2011
Laburnum Primary School	Primary	0.8 miles	Inadequate — 15 May 2023
St Swithun's Church of England VC Primary School	Primary	1.1 miles	Good — 10 Mar 2017

FENSA

Window and door installation certificates found for this address.

Issued	Work completed	Windows	Doors
28/12/2015	20/11/2015	—	2
04/09/2015	17/08/2015	12	1

# 16 THE FINCHES, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UL

## Property details

- Slug: `b889f52` (address key hash: `b889f5222f6f2cc2de8308ed83a7e2ff43115b95`)
- Postcode: SG19 2UL
- Transactions on record: 2

- Tenure: Freehold
- Property type: Semi-detached
- Bedrooms: 3
- Bathrooms: 2
- Floor area: 100 m²
- EPC rating: B
- Year built: England and Wales: 1996-2002
- Last sold: £365,000 Feb 2026
- Price per m²: £3,650/m²
- Local average: £345,229 (24 sales)
- Street crime: 60 incidents within 1 mile (May 2026)

## Latest sale

- Price: £365,000
- Date: 2026-02-20
- Type: S
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** B
- **Potential rating:** B
- **Expiry date:** 14/05/2035
- **Current heating cost:** £604/year
- **Est. upgrade cost to C:** £5,000

### Recommendations
- N (£4,000 - £6,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0390-2785-0550-2295-5085)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-20 | £365,000 | Semi-detached | +46% | £365,348 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/50d10b83-b912-b8d0-e063-4704a8c08d98) |
| Sold | 2015-07-03 | £250,000 | Semi-detached | — | £390,253 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/15b91fb6-0748-4902-9f4c-f58761407b01) |

*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 |
|---------|-------|------|------|
| 16 THE FINCHES, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UL | £365,000 | 20/02/2026 | Semi-detached |
| 16 THE FINCHES, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UL | £250,000 | 03/07/2015 | Semi-detached |

## Historic listings

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

- Matched listing: [162067901](http://87.117.209.195:8080/listings/17b0f6d)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £365,000 |
| listed | 2025-05-16 | £365,000 |
| sold | 2015-01-01 | £250,000 |
| sold | 2008-01-01 | £179,000 |
| sold | 1997-01-01 | £63,950 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 38 JUBILEE CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 1RR | £345,000 | 12/12/2025 | Semi-detached |
| 38 JUBILEE CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 1RR | £345,000 | 12/12/2025 | Semi-detached |
| 37 JUBILEE CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 1RR | £348,000 | 30/11/2023 | Semi-detached |
| 27 THE FINCHES, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UL | £285,000 | 19/05/2023 | Semi-detached |
| 2 DOVE CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UT | £335,000 | 19/05/2023 | Semi-detached |
| 4 DOVE CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UT | £375,000 | 21/12/2022 | Semi-detached |
| 24 DOVE CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UT | £345,000 | 05/12/2022 | Semi-detached |
| 48 MERLIN DRIVE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UN | £365,000 | 17/11/2022 | Semi-detached |
| 5 STARLING CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TQ | £364,500 | 24/10/2022 | Semi-detached |
| 7 ROBIN CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TB | £325,000 | 06/10/2022 | Semi-detached |
| 10 OSPREY CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TW | £321,000 | 01/09/2022 | Semi-detached |
| 9 THE FINCHES, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UL | £299,950 | 11/08/2022 | Semi-detached |
| 19 PRINCE GEORGES DRIVE, SANDY, CENTRAL BEDFORDSHIRE, SG19 1RN | £285,000 | 28/07/2022 | Semi-detached |
| 21 FALCON CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TA | £386,000 | 15/07/2022 | Semi-detached |
| 21 ROBIN CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TB | £335,000 | 24/06/2022 | Semi-detached |
| 8 WEAVERS GREEN, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TR | £318,000 | 22/06/2022 | Semi-detached |
| 4 FALCON CLOSE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TA | £329,950 | 23/03/2022 | Semi-detached |
| 3 LARKS RISE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2TU | £295,000 | 11/02/2022 | Semi-detached |
| 39 PARTRIDGE PIECE, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UP | £339,950 | 03/12/2021 | Semi-detached |
| 9 THE FINCHES, SANDY, CENTRAL BEDFORDSHIRE, SG19 2UL | £249,950 | 28/10/2021 | Semi-detached |

**Area average:** £329,615 (20 sales)

## Capital growth trend

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

- **5y growth:** -7.6%
- **10y growth:** 18.7%

## House Price Index (HM Land Registry)

*Official index for Central Bedfordshire; Semi-detached series; as of April 2026.*

- **1y growth (index):** 5.2%
- **5y growth (index):** 21.7%
- **10y growth (index):** 39.7%

## 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 Peterborough (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets in the area (all bedroom counts shown — none matched the 3-bedroom count for this property). Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 2 Bed Mobile Home, Tempsford Road, SG19 | £1,350/mo | 2 | 0.9 miles | OpenRent |

**Average rent: £1,350/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.37% (weak for cashflow)
- **Max investor price (0.8%):** £168,750
- **Target investor price (1%):** £135,000

*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

*Based on OpenRent comparables (median £1,350/mo).*

- **Gross yield:** 4.4%
- **Cost-to-rent:** 22.5×
- **Monthly cashflow:** £-247/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -2.8%

*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 | 25 |
| Anti-social behaviour | 9 |
| Criminal damage and arson | 5 |
| Other crime | 4 |
| Vehicle crime | 4 |
| Other theft | 3 |
| Public order | 3 |
| Drugs | 2 |
| Shoplifting | 2 |
| Bicycle theft | 1 |
| Burglary | 1 |
| Theft from the person | 1 |
| **Total incidents** | **60** |

*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 |
|------|------|----------|--------|
| Maple Tree Primary School | Primary | 0.1 miles | Good — 2 Jul 2014 |
| Sandy Secondary School | Secondary | 0.3 miles | Requires improvement — 28 Mar 2023 |
| Robert Peel Primary School | Primary | 0.6 miles | Good — 1 Mar 2011 |
| Laburnum Primary School | Primary | 0.8 miles | Inadequate — 15 May 2023 |
| St Swithun's Church of England VC Primary School | Primary | 1.1 miles | Good — 10 Mar 2017 |

## FENSA Certificates

This property has 2 FENSA certificate(s) on record.

### FENSA Certificate #11376111
- **Address:** 16 The Finches, SANDY, SG19 2UL
- **Certificate Issued:** 28/12/2015
- **Work Completed:** 20/11/2015
- **Items:** 2 door(s)

### FENSA Certificate #11177619
- **Address:** 16 The Finches, SANDY, SG19 2UL
- **Certificate Issued:** 04/09/2015
- **Work Completed:** 17/08/2015
- **Items:** 12 window(s), 1 door(s)