Sold Terraced

53 GEORGIAN CROFT

BEDFORD, STEWARTBY, BEDFORD MK43 9TA

2 beds 2 baths 797 sq ft Listed 10 Dec 2023 (-954d)

£285,000

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# 2 bedroom terraced house for sale (MK43 9TA)

## Property Details

| Key | Value |
|-----|-------|
| Address | 53 GEORGIAN CROFT, BEDFORD, STEWARTBY, BEDFORD MK43 9TA |
| Price | £285,000 |
| Bedrooms | 2 |
| Bathrooms | 2 |
| Council tax | C |
| Floor area | 74 m² |
| Last sold | £239,000 Sep 2020 |

## EPC Rating & Upgrade Cost

- **Current rating:** B
- **Potential rating:** A
- **Expiry date:** 31/08/2030
- **Current heating cost:** £197/year
- **Est. upgrade cost to C:** £9,500

### Recommendations
- N (£4,000 - £6,000)
- U (£3,500 - £5,500)

[View full EPC on gov.uk](https://find-energy-certificate.service.gov.uk/energy-certificate/0578-3819-7616-2800-1465)

## Description

Stewartby is a village that is steeped in history originally built for the workers of the London brick company. The village was designed and built to the plans of their architect. There is a train station which is on the Marston Vale line with Marston Vale Millenium park being located in nearby Marston. There is also a post office in the village, Broadmead lower school and a new Sixth form college which opened in 2013 and a new pre-school is being built. There is also a park which has a zip wire and slides. There are excellent road links with good access to the A421 bypass and being a 10 min drive to the M1.

Disclaimer: Please note we do not test any fixtures, fittings, apparatus or services. Any interested parties should undertake their own investigation into the working order of these items. All measurements provided are approximate and photos are provided for guidance only. Potential buyers are advised to re-check the measurements before committing to any expense. Potential buyers are advised to check and confirm the EPC, estate management charges and council tax before committing to any expense. Floorplans are for illustration purposes only. Cooper Wallace do not verify the legal title of the property and the potential buyers should obtain verification from their solicitors committing to any expense.

## Property Photos

- ![Front](/listings/photos/142830494/1320587) - Front
- ![Living Room](/listings/photos/142830494/1320589) - Living Room
- ![Living Room](/listings/photos/142830494/1320590) - Living Room
- ![Rear Garden](/listings/photos/142830494/1320591) - Rear Garden
- ![Living Room](/listings/photos/142830494/1320592) - Living Room
- ![Living Room](/listings/photos/142830494/1320593) - Living Room
- ![Living Room](/listings/photos/142830494/1320598) - Living Room
- ![Cloakroom](/listings/photos/142830494/1320605) - Cloakroom
- ![Rear Garden](/listings/photos/142830494/1320612) - Rear Garden
- ![Bedroom One](/listings/photos/142830494/1320616) - Bedroom One
- ![Bedroom Two](/listings/photos/142830494/1320619) - Bedroom Two
- ![Family Bathroom](/listings/photos/142830494/1320621) - Family Bathroom
- ![Rear Garden](/listings/photos/142830494/1320623) - Rear Garden
- ![Front](/listings/photos/142830494/1320625) - Front

## Floorplans

- ![Floorplan 1](/listings/photos/142830494/1320627) - Floorplan 1

## Sales History

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

| Address | Price | Date | Type |
|---------|-------|------|------|
| 53 GEORGIAN CROFT, STEWARTBY, BEDFORD, MK43 9TA | £239,000 | 30/09/2020 | 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 |
|---------|-------|------|------|
| 35 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR | £332,500 | 03/10/2025 | Terraced |
| 73 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR | £337,000 | 01/08/2025 | Terraced |
| 69 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR | £335,000 | 07/12/2023 | Terraced |
| 2 KITCHENER PLACE, STEWARTBY, BEDFORD, MK43 9PN | £265,000 | 31/07/2023 | Terraced |
| 20 THE MEADOWS, STEWARTBY, BEDFORD, MK43 9PF | £256,000 | 30/06/2023 | Terraced |
| 2 THE MEADOWS, STEWARTBY, BEDFORD, MK43 9PF | £255,000 | 02/02/2023 | Terraced |
| 14 HEATHER MEAD, STEWARTBY, BEDFORD, CENTRAL BEDFORDSHIRE, MK43 9TD | £480,000 | 19/12/2022 | Terraced |
| 8 STEWART ROAD, STEWARTBY, BEDFORD, MK43 9TF | £264,000 | 11/11/2022 | Terraced |
| 10 STEWART ROAD, STEWARTBY, BEDFORD, MK43 9TF | £280,000 | 28/10/2022 | Terraced |
| 8 KITCHENER PLACE, STEWARTBY, BEDFORD, MK43 9PN | £280,000 | 02/09/2022 | Terraced |
| 25 HEREWOOD GREEN, STEWARTBY, BEDFORD, CENTRAL BEDFORDSHIRE, MK43 9SZ | £407,400 | 28/06/2022 | Terraced |
| 39 HEREWOOD GREEN, STEWARTBY, BEDFORD, MK43 9SZ | £407,400 | 31/05/2022 | Terraced |
| 23 HEREWOOD GREEN, STEWARTBY, BEDFORD, MK43 9SZ | £407,400 | 27/05/2022 | Terraced |
| 6 THE PASTURES, STEWARTBY, BEDFORD, MK43 9NZ | £165,000 | 13/05/2022 | Terraced |
| [Same street] 25 GEORGIAN CROFT, STEWARTBY, BEDFORD, MK43 9TA | £407,400 | 04/02/2022 | Detached |
| 14 HEATHER MEAD, STEWARTBY, BEDFORD, MK43 9TD | £407,400 | 22/12/2021 | Terraced |
| [Same street] 23 GEORGIAN CROFT, STEWARTBY, BEDFORD, MK43 9TA | £407,400 | 30/11/2021 | Detached |
| 23 OXFORD BLUE WAY, STEWARTBY, BEDFORD, MK43 9GF | £290,000 | 14/10/2021 | Terraced |
| 73 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR | £283,000 | 25/08/2021 | Terraced |
| 71 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR | £283,000 | 20/08/2021 | Terraced |
| 69 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR | £288,000 | 20/08/2021 | Terraced |

**Street average:** £407,400 (2 sales)
**Area average:** £317,005 (19 sales)

## Price vs local average

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

- **Local average:** £292,677 (29 Terraced, MK43, 2024–2026)
- **Deviation:** -2.6%

## Rental Range

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

- **Low:** £1,122/mo
- **Realistic:** £1,247/mo
- **Optimistic:** £1,372/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 Terraced House, Bedford Road, MK45 | £1,100/mo | 2 | 1.29 miles | OpenRent |

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

## 1% Rule

- **Rent ratio:** 0.39% (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:** 4.6%
- **Cost-to-rent:** 21.6×
- **Monthly cashflow:** £-157/mo (75% LTV, 3.95% APR (5yr fixed), 25yr term)
- **Cash-on-cash ROI:** -2.3%

*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:** £3,851/m²

## Capital growth trend

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

- **5y growth:** 2.6%
- **10y growth:** 23.4%

## House Price Index (HM Land Registry)

*Official index for Central Bedfordshire; Terraced series; as of April 2026.*

- **1y growth (index):** 4.4%
- **5y growth (index):** 19.1%
- **10y growth (index):** 37.2%

## 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)

Front Living Room Living Room Rear Garden Living Room Living Room Living Room Cloakroom Rear Garden Bedroom One Bedroom Two Family Bathroom Rear Garden Front

/ 14

Property details

Tenure

FREEHOLD

Floor area

74 m²

Council tax band

EPC rating

Last sold

£239,000 Sep 2020

Price per m²

£3,851/m²

Local average

£292,677 (-2.6%)

Street crime

11 incidents within 1 mile (May 2026)

Key features

Immaculately Presented Throughout
Low Maintenance Garden
Open-Plan Living
Double Bedrooms
Parking For Two Cars
Easy Access To A421, M1, A1 And A6

Additional details

Parking: Yes
Garden: Yes

Description

A great opportunity to buy this immaculately presented two double bedroom terrace home located on the popular Hansons Reach development by Persimmon homes in 2020, with 7 years to run on the NHBC. This has been well maintained throughout with smart touches and finishes and is ready to move in. Features include a cloakroom, large 27ft living room creating a great social space with an access door out onto the rear garden. The kitchen area has been upgraded from new via permission and features a integrated fridge freezer and washer/dryer. There are two large double bedrooms and a fitted three piece family bathroom. Outside there are two parking spaces and an landscaped enclosed rear garden.

Stewartby is a village that is steeped in history originally built for the workers of the London brick company. The village was designed and built to the plans of their architect. There is a train station which is on the Marston Vale line with Marston Vale Millenium park being located in nearby Marston. There is also a post office in the village, Broadmead lower school and a new Sixth form college which opened in 2013 and a new pre-school is being built. There is also a park which has a zip wire and slides. There are excellent road links with good access to the A421 bypass and being a 10 min drive to the M1.

Disclaimer: Please note we do not test any fixtures, fittings, apparatus or services. Any interested parties should undertake their own investigation into the working order of these items. All measurements provided are approximate and photos are provided for guidance only. Potential buyers are advised to re-check the measurements before committing to any expense. Potential buyers are advised to check and confirm the EPC, estate management charges and council tax before committing to any expense. Floorplans are for illustration purposes only. Cooper Wallace do not verify the legal title of the property and the potential buyers should obtain verification from their solicitors committing to any expense.

Listed by

Bedford

Cooper Wallace

Reference: 142830494

EPC Rating & Upgrade Cost

Current rating: B

Potential rating: A

Inspection date: 01/09/2020

Expiry date: 31/08/2030

Current heating cost: £197/year

Potential heating cost: £197/year

Est. upgrade cost to C: £9,500

Recommendations

Solar water heating (£4,000 - £6,000)
Solar photovoltaic panels, 2.5 kWp (£3,500 - £5,500)

View full EPC on gov.uk

Flood risk

Zone: 1

Risk: Low

Job (default Low)

Floorplans

Floorplan 1

Price history

Event	Date	Price	% change
Sold	30/09/2020 (5 years ago)	£239,000	—

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
35 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR	£332,500	03/10/2025	Terraced
73 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR	£337,000	01/08/2025	Terraced
69 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR	£335,000	07/12/2023	Terraced
2 KITCHENER PLACE, STEWARTBY, BEDFORD, MK43 9PN	£265,000	31/07/2023	Terraced
20 THE MEADOWS, STEWARTBY, BEDFORD, MK43 9PF	£256,000	30/06/2023	Terraced
2 THE MEADOWS, STEWARTBY, BEDFORD, MK43 9PF	£255,000	02/02/2023	Terraced
14 HEATHER MEAD, STEWARTBY, BEDFORD, CENTRAL BEDFORDSHIRE, MK43 9TD	£480,000	19/12/2022	Terraced
8 STEWART ROAD, STEWARTBY, BEDFORD, MK43 9TF	£264,000	11/11/2022	Terraced
10 STEWART ROAD, STEWARTBY, BEDFORD, MK43 9TF	£280,000	28/10/2022	Terraced
8 KITCHENER PLACE, STEWARTBY, BEDFORD, MK43 9PN	£280,000	02/09/2022	Terraced
25 HEREWOOD GREEN, STEWARTBY, BEDFORD, CENTRAL BEDFORDSHIRE, MK43 9SZ	£407,400	28/06/2022	Terraced
39 HEREWOOD GREEN, STEWARTBY, BEDFORD, MK43 9SZ	£407,400	31/05/2022	Terraced
23 HEREWOOD GREEN, STEWARTBY, BEDFORD, MK43 9SZ	£407,400	27/05/2022	Terraced
6 THE PASTURES, STEWARTBY, BEDFORD, MK43 9NZ	£165,000	13/05/2022	Terraced
Same street 25 GEORGIAN CROFT, STEWARTBY, BEDFORD, MK43 9TA	£407,400	04/02/2022	Detached
14 HEATHER MEAD, STEWARTBY, BEDFORD, MK43 9TD	£407,400	22/12/2021	Terraced
Same street 23 GEORGIAN CROFT, STEWARTBY, BEDFORD, MK43 9TA	£407,400	30/11/2021	Detached
23 OXFORD BLUE WAY, STEWARTBY, BEDFORD, MK43 9GF	£290,000	14/10/2021	Terraced
73 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR	£283,000	25/08/2021	Terraced
71 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR	£283,000	20/08/2021	Terraced
69 SAXON GOLD DRIVE, STEWARTBY, BEDFORD, MK43 9SR	£288,000	20/08/2021	Terraced

Street average: £407,400 (2 sales)

Area average: £317,005 (19 sales)

Capital growth trend

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

5y growth 2.6%

10y growth 23.4%

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

1y (index) 4.4%

5y (index) 19.1%

10y (index) 37.2%

Rental Range

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

Low £1,122/mo

Realistic £1,247/mo

Optimistic £1,372/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 MK43 9TA

Nearby

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

Type	Name	Distance
Bus stop	Stewartby Turn	0.6 miles
Train station	Stewartby	0.7 miles
Bus stop	How End Bus Stop	1.0 miles
Shop	Houghton Conquest Stores & PO	1.3 miles
Train station	Kempston Hardwick	1.4 miles
Shop	Sainsbury's Local	1.7 miles
Hospital	Bedford Hospital SDEC - Same Day Emergency Care	4.1 miles
Hospital	The Manor	4.6 miles
University	University of Bedfordshire Polhill Campus	5.6 miles
University	University of Bedfordshire	5.8 miles

Street-level crime

Category	Count
Violence and sexual offences	6
Anti-social behaviour	1
Burglary	1
Other crime	1
Shoplifting	1
Vehicle crime	1
Total incidents	11

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. Data from Get Information about Schools and Ofsted.

Name	Type	Distance	Ofsted
Broadmead Lower School	Primary	0.3 miles	Good — 17 Sep 2023
Marston Vale Middle School	Primary	0.4 miles	— (Inspected (no overall grade))
Kimberley 16 - 19 Stem College	Other	0.9 miles	— (No rating)
Houghton Conquest Lower School	Primary	1.4 miles	Good — 1 Jul 2024
Wixams Academy	Secondary	1.9 miles	Requires improvement — 9 Jun 2024

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 Terraced House, Bedford Road, MK45	£1,100/mo	2	1.29 miles	OpenRent

Average rent: £1,100/mo (1 listing)

Rent-driven metrics

Based on OpenRent comparables.

Rent ratio 0.39%

Max investor price (0.8%) £137,500

Target investor price (1%) £110,000

Gross yield 4.6%

Cost-to-rent ratio 21.6×

Monthly cashflow £-157/mo 75% LTV, 3.95% APR (5yr fixed), 25yr term

Cash-on-cash ROI -2.3%

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).