# 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: £329,281 (78 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 |
| 104 CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HF | £350,000 | 25/11/2022 | Semi-detached |
| 98 CANTERBURY WALK, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HF | £385,000 | 25/11/2022 | Semi-detached |
| 8 NORWICH DRIVE, CHELTENHAM, GLOUCESTERSHIRE, GL51 3HE | £430,000 | 04/11/2022 | Semi-detached |
| 94 FARMFIELD ROAD, CHELTENHAM, GLOUCESTERSHIRE, GL51 3RA | £410,000 | 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:** 33.4%

## 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 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 |
|------|------|------|------|------|
| 3 Bed Semi-Detached House, Bakehouse Lane, GL50 | £2,250/mo | 3 | 0.75 miles | OpenRent |

**Average rent: £2,250/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.61% (weak for cashflow)
- **Max investor price (0.8%):** £281,250
- **Target investor price (1%):** £225,000

*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 £2,250/mo).*

- **Gross yield:** 7.3%
- **Cost-to-rent:** 13.7×
- **Monthly cashflow:** £543/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 6.1%

*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 | 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)