# 3 bedroom semi-detached house for sale (SK22 2JE) ## Property Details | Key | Value | |-----|-------| | Address | Church Street, Hayfield, High Peak, SK22 2JE | | Price | £450,000 | | Bedrooms | 3 | | Bathrooms | 2 | | Council tax | D | ## Description A charming stone-built semi-detached home situated in the picturesque and highly sought-after village of Hayfield. This deceptively spacious cottage is beautifully presented throughout and offers versatile accommodation arranged over four floors. The property retains a wealth of character features, including traditional inglenook fireplaces with wood-burning stoves and exposed beams, creating a warm and inviting atmosphere. The accommodation comprises an entrance hall, a cosy living room and a separate dining room—both featuring inglenook fireplaces—along with a well-appointed kitchen with patio doors opening onto the rear garden. To the first floor are three bedrooms and a family bathroom, while the second floor boasts a loft room with its own en suite, ideal as a guest suite or principal bedroom. A useful cellar room with plumbing, currently used as a utility area, provides additional practical space. Externally, the property benefits from a delightful enclosed rear garden, complete with a patio area, lawn, and traditional stone storage sheds. **Ground Floor** - **Entrance Hall** - **Living Room** - 3.86m x 3.63m (12'8 x 11'11) - **Dining Room** - 4.17m x 3.63m (13'8 x 11'11) - **Kitchen** - 3.91m x 2.21m (12'10 x 7'3) - **Lower Ground Floor** - **Cellar** - **First Floor** - **Landing** - **Bedroom** - 3.76m x 3.12m (12'4 x 10'3) - **Bedroom** - 2.59m x 2.41m (8'6 x 7'11) - **Bedroom** - 2.62m x 2.49m (8'7 x 8'2) - **Bathroom** - **Second Floor** - **Loft Room** - 5.23m max x 3.51m (17'2 max x 11'6) - **En Suite** - **Outside** - **Rear Garden** - **Agents Notes - Hmrc Compliance** - To be able to sell or purchase a property in the United Kingdom all agents have a legal requirement to conduct Identity checks on all customers involved in the transaction to fulfil their obligations under Anti Money Laundering regulations. We outsource this check to a third party and a charge will apply. Ask the branch for further details. ## Property Photos - ![Photo](/listings/photos/174603083/143997) - ![Photo](/listings/photos/174603083/143999) - ![Photo](/listings/photos/174603083/144000) - ![Photo](/listings/photos/174603083/144001) - ![Photo](/listings/photos/174603083/144002) - ![Photo](/listings/photos/174603083/144003) - ![Photo](/listings/photos/174603083/144004) - ![Photo](/listings/photos/174603083/144005) - ![Photo](/listings/photos/174603083/144006) - ![Photo](/listings/photos/174603083/144007) - ![Photo](/listings/photos/174603083/144008) - ![Photo](/listings/photos/174603083/144009) - ![Photo](/listings/photos/174603083/144010) - ![Photo](/listings/photos/174603083/144011) - ![Photo](/listings/photos/174603083/144012) - ![Photo](/listings/photos/174603083/144013) - ![Photo](/listings/photos/174603083/144014) - ![Photo](/listings/photos/174603083/144015) - ![Photo](/listings/photos/174603083/144017) - ![Photo](/listings/photos/174603083/144019) ## Floorplans - ![18 church street hayfield-high (2).jpg](/listings/photos/174603083/144022) - 18 church street hayfield-high (2).jpg ## EPC Graphs - ![EE Rating](/listings/photos/174603083/144024) - EE Rating ## Sales History *Recorded sales for this property. Data from Land Registry Price Paid.* | Address | Price | Date | Type | |---------|-------|------|------| | 22 CHURCH STREET, HAYFIELD, HIGH PEAK, DERBYSHIRE, SK22 2JE | £442,500 | 08/10/2020 | Semi-detached | | 22 CHURCH STREET, HAYFIELD, HIGH PEAK, DERBYSHIRE, SK22 2JE | £177,000 | 02/04/2004 | Semi-detached | | 22 CHURCH STREET, HAYFIELD, HIGH PEAK, DERBYSHIRE, SK22 2JE | £95,000 | 19/09/2000 | Semi-detached | ## Sold Comparables *Same street and nearby sales within 0.25 miles. Data from Land Registry Price Paid. Last 5 years.* | Address | Price | Date | Type | |---------|-------|------|------| | 6 KINDER ROAD, HAYFIELD, HIGH PEAK, DERBYSHIRE, SK22 2HS | £150,000 | 28/11/2023 | Semi-detached | | 11 MEADOWS ROAD, HAYFIELD, HIGH PEAK, DERBYSHIRE, SK22 2JH | £265,000 | 09/12/2022 | Semi-detached | | [Same street] 11 CHURCH STREET, HAYFIELD, HIGH PEAK, DERBYSHIRE, SK22 2JE | £195,000 | 02/12/2022 | Terraced | | 4 FISHERS BRIDGE, HAYFIELD, HIGH PEAK, DERBYSHIRE, SK22 2JZ | £212,000 | 09/12/2021 | Semi-detached | | [Same street] 47 CHURCH STREET, HAYFIELD, HIGH PEAK, DERBYSHIRE, SK22 2JE | £160,000 | 21/07/2021 | Terraced | **Street average:** £177,500 (2 sales) **Area average:** £209,000 (3 sales) ## Price vs local average *Outcode + property type (HousePrices, last 2 years).* - **Local average:** £303,900 (15 Semi-detached, SK22, 2024–2026) - **Deviation:** +48.1% ## Rental Range *ONS Price Index of Private Rents (High Peak). Low / Realistic / Optimistic = conservative / average / best case.* - **Low:** £813/mo - **Realistic:** £903/mo - **Optimistic:** £993/mo ## LHA (Local Housing Allowance) *VOA 30th percentile rent floor for Southern Greater Manchester (Apr 2025 – Mar 2026).* - **LHA floor (this property size):** £898/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 | |------|------|------|------|------| | 3 Bed Flat, New Mills Road, SK22 | £1,300/mo | 3 | 0.88 miles | OpenRent | **Average rent: £1,300/mo (1 listing)** ## 1% Rule - **Rent ratio:** 0.29% (weak for cashflow) - **Max investor price (0.8%):** £162,500 - **Target investor price (1%):** £130,000 *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 £1,300/mo).* - **Gross yield:** 3.5% - **Cost-to-rent:** 28.8× - **Monthly cashflow:** £-627/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term) - **Cash-on-cash ROI:** -5.8% *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).* ## Capital growth trend *Land Registry outcode average from sold prices: last 12 months vs 5y and 10y ago.* - **5y growth:** 17.2% - **10y growth:** 16.2% ## House Price Index (HM Land Registry) *Official index for High Peak; Semi-detached series; as of March 2026.* - **1y growth (index):** 3.2% - **5y growth (index):** 27.8% - **10y growth (index):** 65.3% ## 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)