# 5 FERN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GG

## Property details

- Slug: `ecb651e` (address key hash: `ecb651ecdb1ec68b47fdd649380829ee3d5f2f4f`)
- Postcode: PE11 1GG
- Transactions on record: 1

- Tenure: Freehold
- Property type: Detached
- Bedrooms: 4
- Bathrooms: 3
- Floor area: 154 m²
- EPC rating: C
- Year built: England and Wales: 1996-2002
- Last sold: £340,000 Oct 2020
- Price per m²: £2,208/m²
- Local average: £309,310 (115 sales)
- Street crime: 180 incidents within 1 mile (Aug 2026)

## Latest sale

- Price: £340,000
- Date: 2020-10-05
- Type: D
- Tenure: F

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** C
- **Expiry date:** 21/07/2030
- **Current heating cost:** £804/year

### Recommendations
- U (5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8720-7123-7080-5172-1222)

## Price history

| Event | Date | Price | Type | % change | Today’s value (HPI) | Transaction |
|-------|------|-------|------|--------|---------------------|-------------|
| Sold | 2020-10-05 | £340,000 | Detached | — | £399,112 (to July 2026) | [View](http://87.117.209.195:8080/house-prices/ba558b32-bae3-76ef-e053-6b04a8c0b4b7) |

*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 |
|---------|-------|------|------|
| 5 FERN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GG | £340,000 | 05/10/2020 | Detached |

## Historic listings

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

- Matched listing: [92812649](http://87.117.209.195:8080/listings/e3ead4a)

| Event | Date | Price |
|-------|------|-------|
| listed | 2020-05-28 | £340,000 |
| sold | 2020-01-01 | £340,000 |
| sold | 2000-01-01 | £144,995 |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 10 FERN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GG | £445,000 | 24/07/2026 | Detached |
| 16 BAXTER GARDENS, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3YL | £262,000 | 18/12/2025 | Detached |
| 10 ST HELENA DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1UF | £299,950 | 18/12/2025 | Detached |
| 11 FERN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GG | £435,000 | 27/11/2025 | Detached |
| 187 WOOLRAM WYGATE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3PA | £325,000 | 26/11/2025 | Detached |
| 13 DANIELS REACH, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3HG | £235,000 | 08/05/2025 | Detached |
| 33 LILBURN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3NY | £275,000 | 31/03/2025 | Detached |
| 4 ROSE LEIGH WAY, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GW | £402,500 | 24/11/2023 | Detached |
| 18 LILBURN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3NY | £255,000 | 27/10/2023 | Detached |
| 32 LILBURN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3NY | £296,000 | 17/10/2023 | Detached |
| 4 FLEUR DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GL | £385,000 | 25/08/2023 | Detached |
| 145 WOOLRAM WYGATE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3PA | £180,000 | 16/06/2023 | Detached |
| 3 DANIELS REACH, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3HG | £270,000 | 16/05/2023 | Detached |
| 22 MILES BANK, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3EZ | £590,000 | 21/12/2022 | Detached |
| 29 SHERWOOD DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1QW | £270,000 | 17/10/2022 | Detached |
| 12 SHERWOOD DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1QP | £300,000 | 14/10/2022 | Detached |
| 11 FERN DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1GG | £378,000 | 30/09/2022 | Detached |
| 166 WOOLRAM WYGATE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3PA | £325,000 | 22/09/2022 | Detached |
| 206 SPALDING ROAD, PINCHBECK, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 3PB | £365,000 | 22/08/2022 | Detached |
| 13 ST HELENA DRIVE, SPALDING, SOUTH HOLLAND, LINCOLNSHIRE, PE11 1UF | £317,500 | 01/08/2022 | Detached |

**Area average:** £330,548 (20 sales)

## Capital growth trend

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

- **5y growth:** 8.6%
- **10y growth:** 41.7%

## House Price Index (HM Land Registry)

*Official index for South Holland; Detached series; as of July 2026.*

- **1y growth (index):** 3.5%
- **5y growth (index):** 9.9%
- **10y growth (index):** 36.8%

## Rental Range

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

- **Low:** £698/mo
- **Realistic:** £775/mo
- **Optimistic:** £853/mo

## LHA (Local Housing Allowance)

*VOA 30th percentile rent floor for Lincolnshire Fens (Apr 2025 – Mar 2026).*

## Rental Comparables

*Residential lets in the area (all bedroom counts shown — none matched the 4-bedroom count for this property). Student lets are excluded.*

| Title | Rent | Beds | Distance | As seen on |
|------|------|------|------|------|
| 3 Bed Detached House, Albert Street, PE11 | £1,100/mo | 3 | 0.87 miles | OpenRent |

**Average rent: £1,100/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.32% (weak for cashflow)
- **Max investor price (0.8%):** £137,500
- **Target investor price (1%):** £110,000

*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 £1,100/mo).*

- **Gross yield:** 3.9%
- **Cost-to-rent:** 25.8×
- **Monthly cashflow:** £-374/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -4.6%

*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 | 67 |
| Anti-social behaviour | 40 |
| Criminal damage and arson | 15 |
| Other theft | 14 |
| Public order | 14 |
| Shoplifting | 11 |
| Vehicle crime | 8 |
| Bicycle theft | 3 |
| Other crime | 3 |
| Drugs | 2 |
| Burglary | 1 |
| Possession of weapons | 1 |
| Robbery | 1 |
| **Total incidents** | **180** |

*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 |
|------|------|----------|--------|
| Spalding Primary Academy | Primary | 0.5 miles | Good — 19 Mar 2024 |
| St Norbert's Catholic Voluntary Academy | Primary | 0.8 miles | Outstanding — 10 Sep 2015 |
| Wygate Park Academy | Primary | 0.8 miles | Good — 21 Jul 2017 |
| St Paul's Community Primary and Nursery School, Spalding | Primary | 1.0 miles | Good — 8 Sep 2024 |
| The Pinchbeck East Church of England Primary Academy | Primary | 1.1 miles | Good — 24 Apr 2024 |