Sold STC Terraced

33 NEW ROAD

CALNE, WILTSHIRE SN11 0JQ

2 beds 1 baths 786 sq ft Listed 12 Jun 2024 (-731d)

£185,000

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# 2 bedroom terraced house for sale (SN11 0JQ)

## Property Details

| Key | Value |
|-----|-------|
| Address | 33 NEW ROAD, CALNE, WILTSHIRE SN11 0JQ |
| Price | £185,000 |
| Bedrooms | 2 |
| Bathrooms | 1 |
| Council tax | A |
| Construction age | England and Wales: 2003-2006 |
| Floor area | 73 m² |
| Last sold | £185,000 Oct 2024 |

## EPC Rating & Upgrade Cost

- **Current rating:** D
- **Potential rating:** B
- **Expiry date:** 09/11/2024 — **EXPIRED** (no longer valid for marketing or letting)
- **Current heating cost:** £632/year
- **Est. upgrade cost to C:** £17,625

### Recommendations
- E (£75)
- L (£900 - £1,200)
- N (£4,000 - £6,000)
- U (£9,000 - £14,000)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/9108-3982-7279-2394-8994)

## Description

Ref: AS0367

**The Home**

NO CHAIN! VACANT POSSESSION. A two bedroom period home with a living dining room featuring an open fire, kitchen, bathroom and a coutyard. The home is located in the historic centre of Calne and is steps from both the Town centre and access to open countryside walks. **Entrance Porch**

Upon entry to the home there is a small entrance porch separating the living room from the front door. Space for hanging coats and storing shoes. A door leads to the living-dining room. **Living Dining Room** - 7.04m x 3.66m (23'1" x 12'0") MAX

Placed to the front of the home is the living dining room. Space allows for multiple sofas, further living room furniture and a dining table and chairs. The focal point of the space is an exposed chimney breast with open fire. The room is dual aspect having windows to the front and rear. A door leads to the inner hall. **Inner Hall**

A door opens to the kitchen. Stairs rise to the first floor landing. **Kitchen** - 2.13m x 1.93m (7'0" x 6'4")

Placed to the rear of the home with a door leading to the rear courtyard. The kitchen comprises matching wall and base units with an integrated microwave, electric oven and hob. Inset to the worktops is a sink with drainer. **First Floor Landing**

Leading to the family bathroom and main bedroom. A door opens to the stairs that rise to the top floor/second bedroom. **Master Bedroom** - 3.73m x 3.53m (12'3" x 11'7")

The master bedroom will allow a king size bed and further bedroom furniture. The focal point of the space is an exposed brick chimney breast. Window to the front. **Bathroom** - 3.15m x 1.73m (10'4" x 5'8")

Comprising a wash basin, water closet and shower cubicle. A door opens to a storage cupboard that has plumbing to allow for a washing machine. **Bedroom Two** - 3.48m x 3.23m (11'5" x 10'7")

Bedroom two will allow a double bed and further bedroom furniture. Two velux windows to the rear offer views across old Calne. There are two eaves storage cupboards. **External**

**Courtyard**

The rear courtyard is spacious enough to allow for a bistro table and chairs, or smaller outdoor lounge furniture. There is a side access gate.

## Property Photos

- ![Photo](/listings/photos/149038985/532100)
- ![Photo](/listings/photos/149038985/532102)
- ![Photo](/listings/photos/149038985/532108)
- ![Photo](/listings/photos/149038985/532111)
- ![Photo](/listings/photos/149038985/532119)
- ![Photo](/listings/photos/149038985/532123)
- ![Photo](/listings/photos/149038985/532127)
- ![Photo](/listings/photos/149038985/532132)
- ![Photo](/listings/photos/149038985/532137)
- ![Photo](/listings/photos/149038985/532139)

## EPC Graphs

- ![EPC 1](/listings/photos/149038985/532143) - EPC 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 33 NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ | £185,000 | 18/10/2024 | 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 |
|---------|-------|------|------|
| 40 CHURCH STREET, CALNE, WILTSHIRE, SN11 0HZ | £352,000 | 14/01/2026 | Terraced |
| 24 LONDON ROAD, CALNE, WILTSHIRE, SN11 0AB | £185,000 | 09/01/2026 | Terraced |
| 5 HORSEBROOK, CALNE, WILTSHIRE, SN11 8DL | £200,000 | 19/12/2025 | Terraced |
| 23 THE GREEN, CALNE, WILTSHIRE, SN11 8DJ | £675,000 | 16/12/2025 | Terraced |
| 38 CHURCH STREET, CALNE, WILTSHIRE, SN11 0HZ | £675,000 | 16/12/2025 | Terraced |
| 5 THE GREEN, CALNE, WILTSHIRE, SN11 8DG | £500,000 | 27/03/2025 | Terraced |
| 4 CARNEGIE MEWS, CALNE, WILTSHIRE, SN11 0SQ | £196,500 | 20/12/2023 | Terraced |
| 21 THE GREEN, CALNE, WILTSHIRE, SN11 8DJ | £400,000 | 07/11/2023 | Terraced |
| 54 LONDON ROAD, CALNE, WILTSHIRE, SN11 0AB | £124,000 | 01/09/2023 | Terraced |
| 79 LONDON ROAD, CALNE, WILTSHIRE, SN11 0AA | £232,500 | 25/08/2023 | Terraced |
| 53 CHURCH STREET, CALNE, WILTSHIRE, SN11 0HZ | £253,000 | 27/07/2023 | Terraced |
| [Same street] 23B NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ | £207,000 | 21/07/2023 | Terraced |
| [Same street] 9B NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ | £170,000 | 12/01/2023 | Terraced |
| 41 LONDON ROAD, CALNE, WILTSHIRE, SN11 0AA | £207,000 | 16/12/2022 | Terraced |
| [Same street] 10 NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ | £240,000 | 16/09/2022 | Terraced |
| [Same street] 23A NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ | £225,000 | 15/08/2022 | Terraced |
| [Same street] 32 NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ | £205,000 | 27/07/2022 | Terraced |
| 42 CHURCH STREET, CALNE, WILTSHIRE, SN11 0HZ | £243,500 | 26/07/2022 | Terraced |
| 4 WOODLAND PARK, CALNE, WILTSHIRE, SN11 0JX | £203,000 | 08/07/2022 | Terraced |
| 17 MILL STREET, CALNE, WILTSHIRE, SN11 8DP | £263,500 | 17/06/2022 | Terraced |
| [Same street] 20 NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ | £240,000 | 10/05/2022 | Terraced |
| 83A LONDON ROAD, CALNE, WILTSHIRE, SN11 0AA | £170,000 | 06/05/2022 | Terraced |
| [Same street] 10A NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ | £353,000 | 22/03/2022 | Terraced |
| [Same street] 17 NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ | £353,000 | 22/03/2022 | Detached |
| 59A CHURCH STREET, CALNE, WILTSHIRE, SN11 0HZ | £287,500 | 21/03/2022 | Terraced |
| 7 EDREDS COURT, CALNE, WILTSHIRE, SN11 8BA | £288,000 | 08/02/2022 | Terraced |
| 50 LONDON ROAD, CALNE, WILTSHIRE, SN11 0AB | £186,500 | 10/12/2021 | Terraced |
| [Same street] BAKERY COTTAGE NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ | £265,000 | 30/09/2021 | Detached |
| 52 CHURCH STREET, CALNE, WILTSHIRE, SN11 0HZ | £185,000 | 10/09/2021 | Terraced |

**Street average:** £250,889 (9 sales)
**Area average:** £291,350 (20 sales)

## Price vs local average

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

- **Local average:** £269,581 (34 Terraced, SN11, 2024–2026)
- **Deviation:** -31.4%

## Rental Range

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

- **Low:** £953/mo
- **Realistic:** £1,059/mo
- **Optimistic:** £1,165/mo

## LHA (Local Housing Allowance)

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

- **LHA floor (this property size):** £798/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 Flat, Horsebrook, SN11 | £950/mo | 2 | 0.18 miles | OpenRent |
| 2 Bed Maisonette, Horsebrook, SN11 | £875/mo | 2 | 0.21 miles | OpenRent |
| 2 Bed Bungalow, Wood Street, SN11 | £900/mo | 2 | 0.29 miles | OpenRent |
| 2 Bed Bungalow, Curzon Street, SN11 | £1,200/mo | 2 | 0.4 miles | OpenRent |
| 2 Bed Semi-Detached House, Comet Crescent, SN11 | £890/mo | 2 | 0.75 miles | OpenRent |
| 2 Bed Terraced House, Morgans Road, SN11 | £1,100/mo | 2 | 0.79 miles | OpenRent |
| 2 Bed Flat, Zander Road, SN11 | £895/mo | 2 | 0.86 miles | OpenRent |
| 2 Bed Flat, Zander Road, SN11 | £875/mo | 2 | 0.87 miles | OpenRent |
| 2 Bed End Terrace, Peregrine Court, SN11 | £810/mo | 2 | 0.88 miles | OpenRent |
| 2 Bed Flat, Salmons Leap, SN11 | £1,050/mo | 2 | 1 miles | OpenRent |
| 2 Bed Semi-Detached House, Lovage Lane, SN11 | £1,200/mo | 2 | 1.01 miles | OpenRent |

**Average rent: £977/mo (11 listings)**

## 1% Rule

- **Rent ratio:** 0.49% (weak for cashflow)
- **Max investor price (0.8%):** £112,500
- **Target investor price (1%):** £90,000

*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 £900/mo).*

- **Gross yield:** 5.8%
- **Cost-to-rent:** 17.1×
- **Monthly cashflow:** £56/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** 1.3%

*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:** £2,534/m²

## Capital growth trend

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

- **5y growth:** 8.1%
- **10y growth:** 30.5%

## House Price Index (HM Land Registry)

*Official index for Wiltshire; Terraced series; as of March 2026.*

- **1y growth (index):** 0.1%
- **5y growth (index):** 14.7%
- **10y growth (index):** 34.2%

## 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)

Photo 1 Photo 2 Photo 3 Photo 4 Photo 5 Photo 6 Photo 7 Photo 8 Photo 9 Photo 10

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Property details

Tenure

FREEHOLD

Floor area

73 m²

Council tax band

EPC rating

Year built

England and Wales: 2003-2006

Last sold

£185,000 Oct 2024

Price per m²

£2,534/m²

Local average

£269,581 (-31.4%)

Deprivation

Decile 4 (12,433 of 33,755)

Street crime

80 incidents within 1 mile (Apr 2026)

Key features

Ref: AS0367
NO CHAIN
VACANT POSSESSION
TWO BEDROOMS
KITCHEN
COURTYARD
OPEN FIRE
PERIOD HOME
TOWN CENTRE
PERIOD FEATURES THROUGHOUT

Additional details

Electricity: Mains supply
Water: Mains supply
Sewerage: Mains supply
Heating: Electric
Garden: Yes

Description

Ref: AS0367
The Home
NO CHAIN! VACANT POSSESSION. A two bedroom period home with a living dining room featuring an open fire, kitchen, bathroom and a coutyard. The home is located in the historic centre of Calne and is steps from both the Town centre and access to open countryside walks. Entrance Porch
Upon entry to the home there is a small entrance porch separating the living room from the front door. Space for hanging coats and storing shoes. A door leads to the living-dining room. Living Dining Room - 7.04m x 3.66m (23'1" x 12'0") MAX
Placed to the front of the home is the living dining room. Space allows for multiple sofas, further living room furniture and a dining table and chairs. The focal point of the space is an exposed chimney breast with open fire. The room is dual aspect having windows to the front and rear. A door leads to the inner hall. Inner Hall
A door opens to the kitchen. Stairs rise to the first floor landing. Kitchen - 2.13m x 1.93m (7'0" x 6'4")
Placed to the rear of the home with a door leading to the rear courtyard. The kitchen comprises matching wall and base units with an integrated microwave, electric oven and hob. Inset to the worktops is a sink with drainer. First Floor Landing
Leading to the family bathroom and main bedroom. A door opens to the stairs that rise to the top floor/second bedroom. Master Bedroom - 3.73m x 3.53m (12'3" x 11'7")
The master bedroom will allow a king size bed and further bedroom furniture. The focal point of the space is an exposed brick chimney breast. Window to the front. Bathroom - 3.15m x 1.73m (10'4" x 5'8")
Comprising a wash basin, water closet and shower cubicle. A door opens to a storage cupboard that has plumbing to allow for a washing machine. Bedroom Two - 3.48m x 3.23m (11'5" x 10'7")
Bedroom two will allow a double bed and further bedroom furniture. Two velux windows to the rear offer views across old Calne. There are two eaves storage cupboards. External
Courtyard
The rear courtyard is spacious enough to allow for a bistro table and chairs, or smaller outdoor lounge furniture. There is a side access gate.

Listed by

South West

exp world uk limited

Reference: 149038985

EPC Rating & Upgrade Cost

This certificate expired on 09/11/2024. A new EPC may be required before the property can be marketed or let.

Current rating: D

Potential rating: B

Inspection date: 10/11/2014

Expiry date: 09/11/2024 (expired)

Current heating cost: £632/year

Potential heating cost: £377/year

Est. upgrade cost to C: £17,625

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

Recommendations

Low energy lighting for all fixed outlets (£75)
Fan-assisted storage heaters (£900 - £1,200)
Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£9,000 - £14,000)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

EPC Graphs

EPC 1

Price history

Event	Date	Price	% change
Sold	18/10/2024 (1 year ago)	£185,000	—

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
40 CHURCH STREET, CALNE, WILTSHIRE, SN11 0HZ	£352,000	14/01/2026	Terraced
24 LONDON ROAD, CALNE, WILTSHIRE, SN11 0AB	£185,000	09/01/2026	Terraced
5 HORSEBROOK, CALNE, WILTSHIRE, SN11 8DL	£200,000	19/12/2025	Terraced
23 THE GREEN, CALNE, WILTSHIRE, SN11 8DJ	£675,000	16/12/2025	Terraced
38 CHURCH STREET, CALNE, WILTSHIRE, SN11 0HZ	£675,000	16/12/2025	Terraced
5 THE GREEN, CALNE, WILTSHIRE, SN11 8DG	£500,000	27/03/2025	Terraced
4 CARNEGIE MEWS, CALNE, WILTSHIRE, SN11 0SQ	£196,500	20/12/2023	Terraced
21 THE GREEN, CALNE, WILTSHIRE, SN11 8DJ	£400,000	07/11/2023	Terraced
54 LONDON ROAD, CALNE, WILTSHIRE, SN11 0AB	£124,000	01/09/2023	Terraced
79 LONDON ROAD, CALNE, WILTSHIRE, SN11 0AA	£232,500	25/08/2023	Terraced
53 CHURCH STREET, CALNE, WILTSHIRE, SN11 0HZ	£253,000	27/07/2023	Terraced
Same street 23B NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ	£207,000	21/07/2023	Terraced
Same street 9B NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ	£170,000	12/01/2023	Terraced
41 LONDON ROAD, CALNE, WILTSHIRE, SN11 0AA	£207,000	16/12/2022	Terraced
Same street 10 NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ	£240,000	16/09/2022	Terraced
Same street 23A NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ	£225,000	15/08/2022	Terraced
Same street 32 NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ	£205,000	27/07/2022	Terraced
42 CHURCH STREET, CALNE, WILTSHIRE, SN11 0HZ	£243,500	26/07/2022	Terraced
4 WOODLAND PARK, CALNE, WILTSHIRE, SN11 0JX	£203,000	08/07/2022	Terraced
17 MILL STREET, CALNE, WILTSHIRE, SN11 8DP	£263,500	17/06/2022	Terraced
Same street 20 NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ	£240,000	10/05/2022	Terraced
83A LONDON ROAD, CALNE, WILTSHIRE, SN11 0AA	£170,000	06/05/2022	Terraced
Same street 10A NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ	£353,000	22/03/2022	Terraced
Same street 17 NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ	£353,000	22/03/2022	Detached
59A CHURCH STREET, CALNE, WILTSHIRE, SN11 0HZ	£287,500	21/03/2022	Terraced
7 EDREDS COURT, CALNE, WILTSHIRE, SN11 8BA	£288,000	08/02/2022	Terraced
50 LONDON ROAD, CALNE, WILTSHIRE, SN11 0AB	£186,500	10/12/2021	Terraced
Same street BAKERY COTTAGE NEW ROAD, CALNE, WILTSHIRE, SN11 0JQ	£265,000	30/09/2021	Detached
52 CHURCH STREET, CALNE, WILTSHIRE, SN11 0HZ	£185,000	10/09/2021	Terraced

Street average: £250,889 (9 sales)

Area average: £291,350 (20 sales)

Capital growth trend

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

5y growth 8.1%

10y growth 30.5%

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

1y (index) 0.1%

5y (index) 14.7%

10y (index) 34.2%

Rental Range

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

Low £953/mo

Realistic £1,059/mo

Optimistic £1,165/mo

Based on Local Authority from postcode lookup → Wiltshire.

LHA (30th percentile) floor for Cheltenham: £798/mo (Apr 2025 – Mar 2026)

Location

Map view View on Google Maps View on OpenStreetMap Street View SN11 0JQ

Nearby

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

Type	Name	Distance
Shop	Hair & Beauty by Solo	0.0 miles
Shop	The English Rose	0.1 miles
Bus stop	Methodist Church	0.1 miles
Train station	Chippenham	5.2 miles
Hospital	Green Lane Hospital	6.7 miles
Train station	Melksham	7.2 miles
Hospital	The Ridgeway Hospital	11.2 miles
University	Oxford Brookes University - Swindon Campus	11.8 miles

Street-level crime

Category	Count
Violence and sexual offences	44
Anti-social behaviour	10
Criminal damage and arson	7
Other theft	6
Public order	6
Shoplifting	3
Drugs	2
Other crime	1
Possession of weapons	1
Total incidents	80

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
St Mary's School (Snr) and St Margaret's School (Prep)	Other	0.4 miles	— (No rating)
Priestley Primary School	Primary	0.4 miles	Good — 8 Sep 2024
Kingsbury Green Academy	Secondary	0.5 miles	Good — 19 Jun 2022
Holy Trinity Church of England Academy	Primary	0.5 miles	Good — 21 Apr 2016
The Springfields Academy	Other	0.6 miles	Good — 5 May 2022

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 Flat, Horsebrook, SN11	£950/mo	2	0.18 miles	OpenRent
2 Bed Maisonette, Horsebrook, SN11	£875/mo	2	0.21 miles	OpenRent
2 Bed Bungalow, Wood Street, SN11	£900/mo	2	0.29 miles	OpenRent
2 Bed Bungalow, Curzon Street, SN11	£1,200/mo	2	0.4 miles	OpenRent
2 Bed Semi-Detached House, Comet Crescent, SN11	£890/mo	2	0.75 miles	OpenRent
2 Bed Terraced House, Morgans Road, SN11	£1,100/mo	2	0.79 miles	OpenRent
2 Bed Flat, Zander Road, SN11	£895/mo	2	0.86 miles	OpenRent
2 Bed Flat, Zander Road, SN11	£875/mo	2	0.87 miles	OpenRent
2 Bed End Terrace, Peregrine Court, SN11	£810/mo	2	0.88 miles	OpenRent
2 Bed Flat, Salmons Leap, SN11	£1,050/mo	2	1 miles	OpenRent
2 Bed Semi-Detached House, Lovage Lane, SN11	£1,200/mo	2	1.01 miles	OpenRent

Average rent: £977/mo (11 listings)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.49%

Max investor price (0.8%) £112,500

Target investor price (1%) £90,000

Gross yield 5.8%

Cost-to-rent ratio 17.1×

Monthly cashflow £56/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI 1.3%

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).