# 12 LE PERSONNE ROAD, CATERHAM, TANDRIDGE, SURREY, CR3 5SU

## Property details

- Slug: `c452dc4` (address key hash: `c452dc42a4427ffd6917beda585fe275a6ecfd62`)
- Postcode: CR3 5SU
- Transactions on record: 3

- Tenure: Leasehold
- Property type: Flat
- Floor area: 67 m²
- EPC rating: C
- Year built: England and Wales: 1967-1975
- Last sold: £280,000 Jun 2019
- Price per m²: £4,179/m²
- Local average: £262,440 (48 sales)
- Street crime: 108 incidents within 1 mile (Aug 2026)

## Latest sale

- Price: £280,000
- Date: 2019-06-28
- Type: F
- Tenure: L

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 26/11/2025 — **EXPIRED** (no longer valid for marketing or letting)
- **Current heating cost:** £380/year
- **Est. upgrade cost to C:** £2,645

### Recommendations
- E (£45)
- I (£2,200 - £3,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/9063-2803-6699-9825-9231)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2019-06-28 | £280,000 | Flat | +5.7% | £277,469 (to July 2026) | [View](http://87.117.209.195:8080/house-prices/8f1b26be-33b1-53db-e053-6c04a8c03649) |
| Sold | 2016-04-15 | £265,000 | Flat | +64.6% | £267,748 (to July 2026) | [View](http://87.117.209.195:8080/house-prices/31fb4c17-fd7b-57b9-e050-a8c063053436) |
| Sold | 2009-09-04 | £161,000 | Flat | — | £224,479 (to July 2026) | [View](http://87.117.209.195:8080/house-prices/e67ed446-84eb-494b-8b53-087690ea5082) |

*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 |
|---------|-------|------|------|
| 12 LE PERSONNE ROAD, CATERHAM, TANDRIDGE, SURREY, CR3 5SU | £280,000 | 28/06/2019 | Flat |
| 12 LE PERSONNE ROAD, CATERHAM, TANDRIDGE, SURREY, CR3 5SU | £265,000 | 15/04/2016 | Flat |
| 12 LE PERSONNE ROAD, CATERHAM, TANDRIDGE, SURREY, CR3 5SU | £161,000 | 04/09/2009 | Flat |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 53 ADDISON ROAD, CATERHAM, TANDRIDGE, SURREY, CR3 5LU | £292,000 | 07/07/2023 | Flat |
| 30 MACAULAY ROAD, CATERHAM, TANDRIDGE, SURREY, CR3 5HQ | £375,000 | 07/12/2022 | Flat |
| 8 GARLAND WAY, CATERHAM, TANDRIDGE, SURREY, CR3 5SS | £317,000 | 30/09/2022 | Flat |
| 40 MACAULAY ROAD, CATERHAM, TANDRIDGE, SURREY, CR3 5HQ | £325,000 | 11/04/2022 | Flat |
| 82 BANSTEAD ROAD, CATERHAM, TANDRIDGE, SURREY, CR3 5QE | £315,000 | 11/02/2022 | Flat |

**Area average:** £324,800 (5 sales)

## For sale comparables

*Active for-sale listings within 1 mile, matched to the same property type. Bedroom counts vary — use the Beds column to compare like-for-like.*

| Address | Price | Beds | Type | Distance |
|---------|-------|------|------|----------|
| [Stafford Road, Caterham, Surrey, CR3](http://87.117.209.195:8080/listings/be0fc43) | £130,000 | 1 | Flat | 0.73 mi |

## Capital growth trend

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

- **5y growth:** -8%
- **10y growth:** 20.6%

## House Price Index (HM Land Registry)

*Official index for Tandridge; Flats and maisonettes series; as of July 2026.*

- **1y growth (index):** -7.3%
- **5y growth (index):** -10.3%
- **10y growth (index):** -1.1%

## Rental Range

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

- **Low:** £1,473/mo
- **Realistic:** £1,637/mo
- **Optimistic:** £1,801/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Outer North London (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 |
|------|------|------|------|------|
| 3 Bed Semi-Detached House, Banstead Road, CR3 | £2,200/mo | 3 | 0.12 miles | OpenRent |
| 1 Bed Flat, Banstead Road, CR3 | £1,350/mo | 1 | 0.16 miles | OpenRent |
| 3 Bed Flat, Banstead Road, CR3 | £1,750/mo | 3 | 0.17 miles | OpenRent |
| 3 Bed Flat, Lucas House, CR3 | £1,750/mo | 3 | 0.19 miles | OpenRent |
| 3 Bed Flat, Coulsdon Road, CR3 | £1,689/mo | 3 | 0.22 miles | OpenRent |
| Studio Flat, Milton Road, CR3 | £950/mo | 1 | 0.26 miles | OpenRent |
| 2 Bed Flat, Westway, CR3 | £1,350/mo | 2 | 0.28 miles | OpenRent |
| 1 Bed Flat, Holm Court, CR3 | £1,375/mo | 1 | 0.28 miles | OpenRent |
| Studio Flat, Milton Road, CR3 | £950/mo | 1 | 0.3 miles | OpenRent |
| 4 Bed Semi-Detached House, Coldstream Road, CR3 | £3,250/mo | 4 | 0.42 miles | OpenRent |
| Studio Flat, Buxton Lane, CR3 | £980/mo | 1 | 0.43 miles | OpenRent |
| 3 Bed Semi-Detached House, Halton Road, CR8 | £2,750/mo | 3 | 0.53 miles | OpenRent |
| 2 Bed Flat, Underwood Rd, CR3 | £1,400/mo | 2 | 1.09 miles | OpenRent |

**Average rent: £1,673/mo (13 listings)**

## 1% Rule

- **Rent ratio:** 0.5% (weak for cashflow)
- **Max investor price (0.8%):** £175,000
- **Target investor price (1%):** £140,000

*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 £1,400/mo).*

- **Gross yield:** 6%
- **Cost-to-rent:** 16.7×
- **Monthly cashflow:** £132/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 2%

*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 | 39 |
| Anti-social behaviour | 22 |
| Public order | 14 |
| Criminal damage and arson | 12 |
| Other theft | 7 |
| Shoplifting | 6 |
| Vehicle crime | 5 |
| Possession of weapons | 2 |
| Burglary | 1 |
| **Total incidents** | **108** |

*Within 1 mile during Aug 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 |
|------|------|----------|--------|
| Hillcroft Primary School | Primary | 0.4 miles | Outstanding — 6 Mar 2023 |
| Essendene Lodge School | Other | 0.4 miles | — (No rating) |
| Audley Primary School | Primary | 0.5 miles | Good — 9 Jan 2015 |
| de Stafford School | Secondary | 0.5 miles | Good — 7 Jul 2024 |
| Sunnydown School | Other | 0.5 miles | Outstanding — 5 Jul 2023 |

## FENSA Certificates

This property has 1 FENSA certificate(s) on record.

### FENSA Certificate #7272896
- **Address:** 12 Le Personne Road, CATERHAM, CR3 5SU
- **Certificate Issued:** 08/03/2016
- **Work Completed:** 21/01/2010
- **Items:** 9 window(s)