Semi-Detached

20 OXFORD WAY

CHELTENHAM, GLOUCESTERSHIRE, GL51 3HJ

£370,000

Location

Map view View on Google Maps View on OpenStreetMap Street View GL51 3HJ

Nearby

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

Type	Name	Distance
Shop	Kate's Barber Shop	0.1 miles
Bus stop	St Christophers Church	0.1 miles
Train station	Cheltenham Spa	0.9 miles
Hospital	NHS Records Office	1.5 miles
University	Francis Close Hall	1.8 miles

Property details

Tenure

Freehold

Property type

Semi-detached

Bedrooms

Bathrooms

Floor area

94 m²

EPC rating

Year built

England and Wales: 1930-1949

Last sold

£370,000 Feb 2026

Price per m²

£3,936/m²

Local average

£328,409 (75 sales)

Street crime

1 incidents within 1 mile (May 2026)

EPC Rating & Upgrade Cost

Current rating: D

Potential rating: C

Inspection date: 22/08/2025

Expiry date: 21/08/2035

Current heating cost: £1,109/year

Potential heating cost: £1,040/year

Est. upgrade cost to C: £16,500

EPC D or below may face future regulation risk. Upgrading to C could improve long-term ROI.

Recommendations

Floor insulation (suspended floor) (£5,000 - £10,000)
Solar photovoltaic panels, 2.5 kWp (£8,000 - £10,000)

View full EPC on gov.uk

Price history

Event	Date	Price	Type	% change	Today’s value (HPI)	Action
Sold	12/02/2026	£370,000	Semi-detached	—	£378,004 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	£370,000
listed	28/08/2025	£379,950
sold	01/01/1995	£72,500

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
91 CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HN	£315,000	11/12/2025	Semi-detached
15 WINCHESTER WAY, CHELTENHAM, GLOUCESTERSHIRE, GL51 3EZ	£450,000	28/11/2025	Semi-detached
19 CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HQ	£315,000	24/11/2023	Semi-detached
10 LICHFIELD DRIVE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3DH	£420,000	23/10/2023	Semi-detached
21 LINCOLN AVENUE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3DD	£260,000	18/10/2023	Semi-detached
143 SALISBURY AVENUE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3DG	£415,000	16/10/2023	Semi-detached
32 NORWICH DRIVE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HE	£270,000	02/10/2023	Semi-detached
31 WELLS CLOSE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3BX	£278,000	31/08/2023	Semi-detached
27 DURHAM CLOSE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3DF	£290,000	30/06/2023	Semi-detached
35 CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HQ	£310,000	26/05/2023	Semi-detached
126 SALISBURY AVENUE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3BY	£363,000	22/05/2023	Semi-detached
13 CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HQ	£300,000	15/05/2023	Semi-detached
30A CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HG	£181,000	20/12/2022	Semi-detached
98 CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HF	£385,000	25/11/2022	Semi-detached
104 CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HF	£350,000	25/11/2022	Semi-detached
94 FARMFIELD ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL51 3RA	£410,000	04/11/2022	Semi-detached
8 NORWICH DRIVE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HE	£430,000	04/11/2022	Semi-detached
50 SALISBURY AVENUE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3BU	£290,000	28/10/2022	Semi-detached
16 ST DAVIDS CLOSE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HL	£370,000	06/10/2022	Semi-detached
52 SALISBURY AVENUE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3BU	£350,000	16/09/2022	Semi-detached

Area average: £337,600 (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 14%

10y growth 32.1%

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

1y (index) 6.5%

5y (index) 21.9%

10y (index) 49.1%

Rental Range

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

Low £1,124/mo

Realistic £1,249/mo

Optimistic £1,374/mo

Based on Local Authority from postcode lookup → Cheltenham.

LHA (30th percentile) floor for Cheltenham: 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
1 Bed Flat, Arkle House, GL53	£985/mo	1	0.58 miles	OpenRent

Average rent: £985/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.27%

Max investor price (0.8%) £123,125

Target investor price (1%) £98,500

Gross yield 3.2%

Cost-to-rent ratio 31.3×

Monthly cashflow £-596/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -6.7%

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	1
Total incidents	1

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
Warden Hill Primary School	Primary	0.2 miles	Good — 15 Jan 2023
Cheltenham Bournside School and Sixth Form Centre	Secondary	0.2 miles	Good — 27 Nov 2022
Belmont School	Other	0.3 miles	Outstanding — 14 Jan 2015
Bettridge School	Other	0.3 miles	Good — 27 Feb 2017
St James' Church of England Primary School	Primary	0.3 miles	Good — 16 Nov 2023

FENSA

Window and door installation certificates found for this address.

Issued	Work completed	Windows	Doors
19/09/2011	24/08/2011	3	1

# 20 OXFORD WAY, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HJ

## Property details

- Slug: `cf283ea` (address key hash: `cf283eaee896fec162671930b4785d56013a1d26`)
- Postcode: GL51 3HJ
- Transactions on record: 1

- Tenure: Freehold
- Property type: Semi-detached
- Bedrooms: 3
- Bathrooms: 1
- Floor area: 94 m²
- EPC rating: D
- Year built: England and Wales: 1930-1949
- Last sold: £370,000 Feb 2026
- Price per m²: £3,936/m²
- Local average: £328,409 (75 sales)
- Street crime: 1 incidents within 1 mile (May 2026)

## Latest sale

- Price: £370,000
- Date: 2026-02-12
- Type: S
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** C
- **Expiry date:** 21/08/2035
- **Current heating cost:** £1,109/year
- **Est. upgrade cost to C:** £16,500

### Recommendations
- 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/5214-3075-9102-0328-2702)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2026-02-12 | £370,000 | Semi-detached | — | £378,004 (to April 2026) | [View](http://87.117.209.195:8080/house-prices/4e75c29d-2cfe-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 |
|---------|-------|------|------|
| 20 OXFORD WAY, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HJ | £370,000 | 12/02/2026 | 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: [166328909](http://87.117.209.195:8080/listings/059022d)

| Event | Date | Price |
|-------|------|-------|
| sold | 2026-01-01 | £370,000 |
| listed | 2025-08-28 | £379,950 |
| sold | 1995-01-01 | £72,500 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 91 CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HN | £315,000 | 11/12/2025 | Semi-detached |
| 15 WINCHESTER WAY, CHELTENHAM, GLOUCESTERSHIRE, GL51 3EZ | £450,000 | 28/11/2025 | Semi-detached |
| 19 CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HQ | £315,000 | 24/11/2023 | Semi-detached |
| 10 LICHFIELD DRIVE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3DH | £420,000 | 23/10/2023 | Semi-detached |
| 21 LINCOLN AVENUE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3DD | £260,000 | 18/10/2023 | Semi-detached |
| 143 SALISBURY AVENUE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3DG | £415,000 | 16/10/2023 | Semi-detached |
| 32 NORWICH DRIVE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HE | £270,000 | 02/10/2023 | Semi-detached |
| 31 WELLS CLOSE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3BX | £278,000 | 31/08/2023 | Semi-detached |
| 27 DURHAM CLOSE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3DF | £290,000 | 30/06/2023 | Semi-detached |
| 35 CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HQ | £310,000 | 26/05/2023 | Semi-detached |
| 126 SALISBURY AVENUE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3BY | £363,000 | 22/05/2023 | Semi-detached |
| 13 CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HQ | £300,000 | 15/05/2023 | Semi-detached |
| 30A CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HG | £181,000 | 20/12/2022 | Semi-detached |
| 98 CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HF | £385,000 | 25/11/2022 | Semi-detached |
| 104 CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HF | £350,000 | 25/11/2022 | Semi-detached |
| 94 FARMFIELD ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL51 3RA | £410,000 | 04/11/2022 | Semi-detached |
| 8 NORWICH DRIVE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HE | £430,000 | 04/11/2022 | Semi-detached |
| 50 SALISBURY AVENUE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3BU | £290,000 | 28/10/2022 | Semi-detached |
| 16 ST DAVIDS CLOSE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HL | £370,000 | 06/10/2022 | Semi-detached |
| 52 SALISBURY AVENUE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3BU | £350,000 | 16/09/2022 | Semi-detached |

**Area average:** £337,600 (20 sales)

## Capital growth trend

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

- **5y growth:** 14%
- **10y growth:** 32.1%

## House Price Index (HM Land Registry)

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

- **1y growth (index):** 6.5%
- **5y growth (index):** 21.9%
- **10y growth (index):** 49.1%

## Rental Range

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

- **Low:** £1,124/mo
- **Realistic:** £1,249/mo
- **Optimistic:** £1,374/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Cheltenham (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 |
|------|------|------|------|------|
| 1 Bed Flat, Arkle House, GL53 | £985/mo | 1 | 0.58 miles | OpenRent |

**Average rent: £985/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.27% (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:** 3.2%
- **Cost-to-rent:** 31.3×
- **Monthly cashflow:** £-596/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -6.7%

*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 | 1 |
| **Total incidents** | **1** |

*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 |
|------|------|----------|--------|
| Warden Hill Primary School | Primary | 0.2 miles | Good — 15 Jan 2023 |
| Cheltenham Bournside School and Sixth Form Centre | Secondary | 0.2 miles | Good — 27 Nov 2022 |
| Belmont School | Other | 0.3 miles | Outstanding — 14 Jan 2015 |
| Bettridge School | Other | 0.3 miles | Good — 27 Feb 2017 |
| St James' Church of England Primary School | Primary | 0.3 miles | Good — 16 Nov 2023 |

## FENSA Certificates

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

### FENSA Certificate #8383463
- **Address:** 20 Oxford Way, CHELTENHAM, GL51 3HJ
- **Certificate Issued:** 19/09/2011
- **Work Completed:** 24/08/2011
- **Items:** 3 window(s), 1 door(s)