Sold STC Cottage

45 NEW STREET

SHEFFORD, CENTRAL BEDFORDSHIRE SG17 5BW

2 beds 1 baths 527 sq ft Listed 16 Aug 2022 (-1393d)

£270,000

Guide Price

Save

# 2 bedroom cottage for sale (SG17 5BW)

## Property Details

| Key | Value |
|-----|-------|
| Address | 45 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE SG17 5BW |
| Price | £270,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | C |
| Construction age | England and Wales: 1900-1929 |
| Floor area | 49 m² |
| Last sold | £265,000 Jan 2023 |

## EPC Rating & Upgrade Cost

- **Current rating:** C
- **Potential rating:** A
- **Current heating cost:** £372/year
- **Est. upgrade cost to C:** £32,250

### Recommendations
- Q (£4,000 - £14,000)
- W (£800 - £1,200)
- G (£350 - £450)
- I (£2,200 - £3,000)
- N (£4,000 - £6,000)
- U (£9,000 - £14,000)
- V (£1,500 - £4,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/8414-7227-2600-4189-3922)

## Description

**Lounge** - 3.45 x 3.15 - Window to front, uPVC double glazed entrance door, radiator, laminate flooring, cast iron fireplace with hearth.

**Kitchen/Diner** - 4.27 x 2.44 - Range of base and eye level units with roll top work surfaces, stainless steel sink unit with mixer tap, integrated oven and hob, wall mounted gas boiler, uPVC door to garden, window to rear, stairs leading to first floor, understairs cupboard.

**Bedroom One** - 3.05 x 3.05 - Window to front, radiator, fitted five door wardrobe.

**Bedroom Two** - 2.44 x 3.05 - Window to rear, radiator.

**Bathroom** - Refitted white suite comprising of panelled bath with mixer tap and wall mounted shower attachment, glass shower screen, low level w.c and wash hand basin in vanity unit, part tiled walls, inset spotlights.

**Rear Garden** - Patio area, steps down to large fully enclosed lawned area, with additional patio, summer house.  Shared passageway leading to front of property.

**Agents Notes** - Freehold

Council Tax band B.

EPC band C.

## Property Photos

- ![DSC_2861.JPG](/listings/photos/85832871/365250) - DSC_2861.JPG
- ![DSC_2851.JPG](/listings/photos/85832871/365252) - DSC_2851.JPG
- ![DSC_2849.JPG](/listings/photos/85832871/365255) - DSC_2849.JPG
- ![DSC_2857.JPG](/listings/photos/85832871/365260) - DSC_2857.JPG
- ![Kitchen/Diner](/listings/photos/85832871/365263) - Kitchen/Diner
- ![Bedroom One](/listings/photos/85832871/365267) - Bedroom One
- ![DSC_2844.JPG](/listings/photos/85832871/365272) - DSC_2844.JPG
- ![Bathroom](/listings/photos/85832871/365279) - Bathroom
- ![Rear Garden](/listings/photos/85832871/365282) - Rear Garden

## Floorplans

- ![10](/listings/photos/85832871/365286) - 10

## EPC Graphs

- ![EE Rating](/listings/photos/85832871/365287) - EE Rating

## Sales History

*Recorded sales for this property. Data from Land Registry Price Paid.*

| Address | Price | Date | Type |
|---------|-------|------|------|
| 45 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW | £265,000 | 27/01/2023 | Terraced |
| 45 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW | £150,000 | 19/09/2014 | Terraced |

## Sold Comparables

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| [Same street] 28 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW | £200,000 | 16/01/2026 | Terraced |
| 20 SHEPHERDS PLACE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BF | £425,000 | 11/12/2025 | Detached |
| 4 WYNCHWOOD LANE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5XJ | £645,000 | 11/12/2025 | Detached |
| [Same street] 56 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW | £476,800 | 26/09/2025 | Semi-detached |
| [Same street] 1B NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW | £280,000 | 12/09/2025 | Flat |
| [Same street] 23 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW | £320,000 | 05/09/2025 | Semi-detached |
| [Same street] 4 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW | £330,000 | 23/05/2025 | Semi-detached |
| [Same street] 42 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW | £547,000 | 24/11/2023 | Detached |
| [Same street] 15 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW | £604,500 | 23/10/2023 | Semi-detached |
| 15 KINGFISHER ROAD, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YQ | £440,000 | 25/08/2023 | Detached |
| 19 KINGFISHER ROAD, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YQ | £422,500 | 04/08/2023 | Detached |
| 20 CHURCHILL WAY, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5UG | £680,000 | 05/07/2023 | Detached |
| [Same street] 13 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW | £320,000 | 21/04/2023 | Terraced |
| 43 KINGFISHER ROAD, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YQ | £420,000 | 16/12/2022 | Detached |
| [Same street] 1A NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW | £257,500 | 25/11/2022 | Flat |
| 2 MIDLAND GARDENS, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YF | £445,000 | 21/09/2022 | Detached |
| 5 WYNCHWOOD LANE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5XJ | £625,000 | 01/07/2022 | Detached |
| 22 AMPTHILL ROAD, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BD | £355,916 | 24/06/2022 | Detached |
| 1 MALLARD CLOSE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YS | £528,000 | 16/05/2022 | Detached |
| 6 WYNCHWOOD LANE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5XJ | £640,000 | 20/04/2022 | Detached |
| 25 THE HOLLIES, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BX | £500,000 | 07/03/2022 | Detached |
| 7 ARNHEM PLACE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5UJ | £435,000 | 25/02/2022 | Detached |
| 1 KINGFISHER ROAD, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YQ | £465,000 | 26/01/2022 | Detached |
| [Same street] 30 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW | £192,500 | 17/12/2021 | Terraced |
| 3 AMPTHILL ROAD, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BD | £505,000 | 17/12/2021 | Detached |
| 25 SHEPHERDS PLACE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BF | £373,000 | 17/12/2021 | Detached |
| 20 NIGHTINGALE MEWS, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YX | £335,000 | 14/12/2021 | Detached |
| 82 KINGFISHER ROAD, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YQ | £450,000 | 10/12/2021 | Detached |
| [Same street] 39 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW | £278,000 | 28/09/2021 | Terraced |
| 3 WYNCHWOOD LANE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5XJ | £475,000 | 21/09/2021 | Detached |
| [Same street] 54 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW | £460,000 | 20/09/2021 | Semi-detached |
| 7 SCOTGRANGE MEADOW, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5PU | £690,000 | 06/08/2021 | Detached |

**Street average:** £355,525 (12 sales)
**Area average:** £492,721 (20 sales)

## Price vs local average

*Outcode + property type (HousePrices, last 2 years).*

- **Local average:** £562,854 (24 Detached, SG17, 2024–2026)
- **Deviation:** -52%

## Rental Range

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

- **Low:** £1,118/mo
- **Realistic:** £1,242/mo
- **Optimistic:** £1,366/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £823/mo

## 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 |
|------|------|------|------|------|
| 2 Bed Maisonette, St. Francis Court, SG17 | £1,355/mo | 2 | 0.16 miles | OpenRent |

**Average rent: £1,355/mo (1 listing)**

## 1% Rule

- **Rent ratio:** 0.5% (weak for cashflow)
- **Max investor price (0.8%):** £169,375
- **Target investor price (1%):** £135,500

*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 £1,355/mo).*

- **Gross yield:** 6%
- **Cost-to-rent:** 16.6×
- **Monthly cashflow:** £131/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).*

## Price per Square Metre

- **£/m²:** £5,510/m²

## Capital growth trend

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

- **5y growth:** 10.3%
- **10y growth:** 48.8%

## House Price Index (HM Land Registry)

*Official index for Central Bedfordshire; Detached series; as of March 2026.*

- **1y growth (index):** 2.9%
- **5y growth (index):** 20.4%
- **10y growth (index):** 35.8%

## 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)

DSC_2861.JPG DSC_2851.JPG DSC_2849.JPG DSC_2857.JPG Kitchen/Diner Bedroom One DSC_2844.JPG Bathroom Rear Garden

/ 9

Property details

Tenure

FREEHOLD

Floor area

49 m²

Council tax band

EPC rating

Year built

England and Wales: 1900-1929

Last sold

£265,000 Jan 2023

Price per m²

£5,510/m²

Local average

£562,854 (-52%)

Deprivation

Decile 10 (31,243 of 33,755)

Street crime

105 incidents within 1 mile (Apr 2026)

Additional details

Garden: Yes

Description

A lovely, two bedroom, mid terraced cottage presented in excellent order throughout and located just a short walk to Shefford Town Centre. The property comprises of lounge with open fire, 14ft kitchen/diner, two bedrooms and first floor bathroom. Outside there is a nice sized rear garden. The property would make an ideal First Time Purchase.

Lounge - 3.45 x 3.15 - Window to front, uPVC double glazed entrance door, radiator, laminate flooring, cast iron fireplace with hearth.

Kitchen/Diner - 4.27 x 2.44 - Range of base and eye level units with roll top work surfaces, stainless steel sink unit with mixer tap, integrated oven and hob, wall mounted gas boiler, uPVC door to garden, window to rear, stairs leading to first floor, understairs cupboard.

Bedroom One - 3.05 x 3.05 - Window to front, radiator, fitted five door wardrobe.

Bedroom Two - 2.44 x 3.05 - Window to rear, radiator.

Bathroom - Refitted white suite comprising of panelled bath with mixer tap and wall mounted shower attachment, glass shower screen, low level w.c and wash hand basin in vanity unit, part tiled walls, inset spotlights.

Rear Garden - Patio area, steps down to large fully enclosed lawned area, with additional patio, summer house. Shared passageway leading to front of property.

Agents Notes - Freehold
Council Tax band B.
EPC band C.

Listed by

Shefford

Sheridans

Reference: 85832871

EPC Rating & Upgrade Cost

Current rating: C

Potential rating: A

Inspection date: 21/03/2014

Current heating cost: £372/year

Potential heating cost: £282/year

Est. upgrade cost to C: £32,250

Recommendations

50 mm internal or external wall insulation (£4,000 - £14,000)
Floor insulation (£800 - £1,200)
Upgrade heating controls (£350 - £450)
Replace boiler with new condensing boiler (£2,200 - £3,000)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£9,000 - £14,000)
Wind turbine (£1,500 - £4,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

EPC Graphs

EE Rating

Price history

77% since 2014

Event	Date	Price	% change
Sold	27/01/2023 (3 years ago)	£265,000	+76.7%
Sold	19/09/2014 (11 years ago)	£150,000	—

Source: HM Land Registry Price Paid Data. Crown copyright.

Sold Comparables

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

Address	Price	Date	Type
Same street 28 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW	£200,000	16/01/2026	Terraced
20 SHEPHERDS PLACE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BF	£425,000	11/12/2025	Detached
4 WYNCHWOOD LANE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5XJ	£645,000	11/12/2025	Detached
Same street 56 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW	£476,800	26/09/2025	Semi-detached
Same street 1B NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW	£280,000	12/09/2025	Flat
Same street 23 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW	£320,000	05/09/2025	Semi-detached
Same street 4 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW	£330,000	23/05/2025	Semi-detached
Same street 42 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW	£547,000	24/11/2023	Detached
Same street 15 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW	£604,500	23/10/2023	Semi-detached
15 KINGFISHER ROAD, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YQ	£440,000	25/08/2023	Detached
19 KINGFISHER ROAD, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YQ	£422,500	04/08/2023	Detached
20 CHURCHILL WAY, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5UG	£680,000	05/07/2023	Detached
Same street 13 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW	£320,000	21/04/2023	Terraced
43 KINGFISHER ROAD, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YQ	£420,000	16/12/2022	Detached
Same street 1A NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW	£257,500	25/11/2022	Flat
2 MIDLAND GARDENS, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YF	£445,000	21/09/2022	Detached
5 WYNCHWOOD LANE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5XJ	£625,000	01/07/2022	Detached
22 AMPTHILL ROAD, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BD	£355,916	24/06/2022	Detached
1 MALLARD CLOSE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YS	£528,000	16/05/2022	Detached
6 WYNCHWOOD LANE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5XJ	£640,000	20/04/2022	Detached
25 THE HOLLIES, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BX	£500,000	07/03/2022	Detached
7 ARNHEM PLACE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5UJ	£435,000	25/02/2022	Detached
1 KINGFISHER ROAD, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YQ	£465,000	26/01/2022	Detached
Same street 30 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW	£192,500	17/12/2021	Terraced
3 AMPTHILL ROAD, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BD	£505,000	17/12/2021	Detached
25 SHEPHERDS PLACE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BF	£373,000	17/12/2021	Detached
20 NIGHTINGALE MEWS, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YX	£335,000	14/12/2021	Detached
82 KINGFISHER ROAD, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5YQ	£450,000	10/12/2021	Detached
Same street 39 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW	£278,000	28/09/2021	Terraced
3 WYNCHWOOD LANE, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5XJ	£475,000	21/09/2021	Detached
Same street 54 NEW STREET, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5BW	£460,000	20/09/2021	Semi-detached
7 SCOTGRANGE MEADOW, SHEFFORD, CENTRAL BEDFORDSHIRE, SG17 5PU	£690,000	06/08/2021	Detached

Street average: £355,525 (12 sales)

Area average: £492,721 (20 sales)

Capital growth trend

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

5y growth 10.3%

10y growth 48.8%

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

1y (index) 2.9%

5y (index) 20.4%

10y (index) 35.8%

Rental Range

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

Low £1,118/mo

Realistic £1,242/mo

Optimistic £1,366/mo

Based on Local Authority from postcode lookup → Central Bedfordshire.

LHA (30th percentile) floor for Bedford: £823/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View SG17 5BW

Nearby

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

Type	Name	Distance
Shop	Shefford Convenience Store	0.1 miles
Shop	Shefford Building Supplies	0.2 miles
Bus stop	High Street	0.2 miles
Bus stop	Unknown	0.2 miles
Train station	Arlesey	3.1 miles
University	University of Bedfordshire	3.5 miles
Train station	Biggleswade	4.7 miles
Hospital	Biggleswade Hospital	5.8 miles
Hospital	Courtenay House Surgery	6.4 miles
University	University of Bedfordshire Polhill Campus	8.6 miles

Street-level crime

Category	Count
Vehicle crime	28
Violence and sexual offences	24
Anti-social behaviour	15
Shoplifting	15
Public order	8
Criminal damage and arson	7
Other crime	2
Other theft	2
Bicycle theft	1
Drugs	1
Possession of weapons	1
Robbery	1
Total incidents	105

Within 1 mile during Apr 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
Robert Bloomfield Academy	Primary	0.2 miles	Outstanding — 15 Jul 2014
Shefford Lower School	Primary	0.2 miles	Good — 15 Dec 2017
Samuel Whitbread Academy	Secondary	0.8 miles	Good — 11 Dec 2017
Campton Academy	Primary	0.9 miles	Good — 13 Dec 2023
Clifton All Saints Academy	Primary	1.5 miles	Good — 1 Feb 2023

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
2 Bed Maisonette, St. Francis Court, SG17	£1,355/mo	2	0.16 miles	OpenRent

Average rent: £1,355/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.5%

Max investor price (0.8%) £169,375

Target investor price (1%) £135,500

Gross yield 6%

Cost-to-rent ratio 16.6×

Monthly cashflow £131/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 2%

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).

Download brochure